Esso Petrol Credit Card Discounts (2026)

For drivers, a credit card that offers petrol discounts is practically a must. If the nearest station near you is an Esso one, you need to get one that offers Esso promotions and discounts. Here are the top credit cards that give you Esso discounts.
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Best Credit Cards For Esso Petrol Station Discounts

Here are the best cards to apply if you frequently pump petrol at Esso.

Which Esso petrol credit card should you go for?

Citi Cash Back Card Esso Fuel Discounts

MoneySmart Exclusive
FASTER REWARD FULFILMENT | UP TO 8% CASHBACK
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MoneySmart Exclusive
FASTER REWARD FULFILMENT | UP TO 8% CASHBACK

Citi Cash Back Card

Cash Back on Groceries, Petrol & Private Commute
Up to 8%
Total Cash Back Cap, per month
S$80
at Caltex, Shell & Esso
Up to 23.64% savings

First 200 to submit the claim form and meet the S$500 spend within 30 days to enjoy S$420 CASH or a S$500 Amazon.sg Gift Card
 
Or still grab S$400 Cash or 6,140 SmartPoints (use SmartPoints earned to redeem the latest Apple products on our Rewards Store) if you come after.
 
Celebrate 11.11 with MoneySmart! Be among the first 11 customers to submit the Claim Form at 11am/11pm each day and get an additional S$11 CASH BONUS! T&Cs apply.

Valid until 17 Nov 2026

Citi Cash Back Card offers a generous 8% cash rebate on your nett fuel spend. This means that in addition to the instant savings of 14% (5% station discount, 5% Smiles Card discount, 4% Citi Card discount), the effective total savings is 20.88%.

This makes the Citi Cash Back card superior to other cards in Citibank’s arsenal for pumping at Esso Petrol Station such as the Citi Rewards which gives you a maximum of 14%. Decent, but not as amazing.

The minimum spend requirement of $800 is quite high, but if you consolidate your family’s dining, groceries and petrol expenses in just this one card, it may be worth it.

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OCBC 365 Esso Card Esso Fuel Discounts

MoneySmart Exclusive
High Spend on Dining
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MoneySmart Exclusive
High Spend on Dining

OCBC 365 Credit Card

Fuel Savings at Caltex
Up to 22.92%
Fuel Savings at Esso
Up to 24.24%
Fuel Savings at Sinopec
Up to 33.20%

Get $200 Cash or 3,000 SmartPoints (enough to redeem an AirPods 5 worth S$219) when you apply and spend a min. of S$400 within 30 days!
 
Celebrate 11.11 with MoneySmart! Be among the first 11 customers to submit the Claim Form at 11am/11pm each day and get an additional S$11 CASH BONUS! T&Cs apply.

Valid until 17 Nov 2026

The OCBC 365 gives you 16% instant discount and up to 21.04% fuel savings at Esso. The good thing is that the card has a monthly cashback cap of $80 per month, with no split categories, so you can easily get up to 6% cashback on your overall fuel spend at all petrol service stations (besides Esso) as long as you hit the minimum spend requirement of $800.

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Ways To Maximise Your Esso Credit Card Benefits in Singapore

To make the most of your Esso credit card, there are some strategies worth considering:

1. Leverage Esso Smiles

  • Pump Synergy fuel so that you can earn more Esso Smiles points by using Synergy fuel.
  • Achieve a 35% bonus on Esso Smiles points by pumping over 250 litres of Synergy fuel monthly.
  • Redeem your points for fuel discounts or other rewards.

2. Choose a co-branded card that is specific to Esso only

The DBS Esso card is one example of such a card that caters specifically to the preferences of car owners and drivers who refuel their vehicles at Esso stations. Due to the co-branding, you'll be eligible for greater perks such as the one-time conversion of your Esso Smiles points to Asia Miles or KrisFlyer miles as long as you are a member of these programmes.

3. Optimize your spending

  • Consolidate fuel purchases whenever you refuel your vehicle at Esso to maximise points and discounts.
  • Consider options like hybrid or electric vehicles for long-term savings.
  • Pay on time so as to avoid late fees and interest charges to preserve your credit score.
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MoneySmart has helped over 3 million users find the best credit cards in the market. Curious to know what people searched for? Find out in this members-only report and get insights on which card you can apply for next! Plus, try out our personality quiz to find which card matches your taste!
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Frequently Asked Questions

Which credit card is best for Esso?

The best credit cards for Esso fuel are the Citi Cash Back Card and DBS Esso Card. Both cards are considered good all-rounded credit cards. To choose, simply look at the minimum spend requirement and the categories you get rewarded for. Citi Cash Back Card may have a higher minimum spend, but it offers 8% cash back on your nett fuel spend, while the DBS Esso Card has a much lower minimum spend and you get rewarded with Smile Points that can be redeemed for other rewards.

How do I get an Esso point card?

The Esso point card is branded Esso Smiles Loyalty Card. You can get a loyalty card at any Esso petrol station. Your Esso Smile Points never expire as long as you pump once a year.

How many Esso points is a dollar?

In Singapore, pumping 1 litre of Synergy fuel gives you 1 Esso Smiles point. Esso Smiles can be converted to fuel savings at the rate of 300 Smiles Points for $10 worth of Synergy fuel or 750 Smiles Points for $30 worth of Synergy fuel, which is equivalent to about 1.7% fuel savings. Based on this conversion, 30 to 25 Esso points = $1, but it's better to think in terms of conversion blocks of 300 or 750. Before accumulating points, you need to register your Esso Smiles card.
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