DBS Esso Card
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Summary
DBS Esso Card
DBS Esso Credit Card is the best card for frequent drivers or riders who wants to enjoy benefits whenever they refuel at Esso. Cardmembers get to enjoy up to discounts and additional Smiles savings on their fuel expenses. This is on of the points earned for every litre of Synergy fuel and an interest-free Instalment Payment Plan for vehicle-related expenses such as insurance and road tax.
Card Features & Details
1) Key Features
- Enjoy sign-up promotion of up to S$120 in the form of cash rebates
- Earn up to 21.6% fuel savings
- Automatic enrolment in Esso Smiles Driver Rewards Programme to earn Smiles Points for fuel purchases at Esso and other retail spend outside of Esso
- Track your Smiles Points conveniently with DBS PayLah! app
2) Benefits
Fuel Savings
- Enjoy an 18% instant fuel discount for DBS Esso Cardholders
- Enjoy an additional S$8 cash savings (equivalent to 3.6% savings) when you make a minimum of S$180 nett fuel spend per calendar month at any Esso service stations
Esso Smiles Points & Rewards
- Automatic enrolment into Esso Smiles Driver Rewards Programme, where you can earn Smiles points for all other retail spend to redeem fuel for free
undefinedundefined - Smiles points redemption:
undefinedundefined - Earn bonus 3X Smiles Points on spending outside of Esso for every S$800 qualifying spend charged to your DBS Esso Card, capped at 640 Bonus Smiles Points per calendar month
3) Eligibility
- Age: 21 years old and above
- Citizenship: Singaporeans and PRs only
- Minimum annual income:
- Singaporean and PR: S$30,000 and above per annum
- Foreigner: S$45,000 and above per annum
4) Fees & Charges
- Annual principal fee: S$196.20 (first year waived)
- Supplementary card annual fee: S$96.30 each
- Late payment fees: S$100
- Repayment grace period: 25 days
- Minimum monthly payment: 3% of statement balance or S$50, whichever is greater
- Cash advance charges: S$15 or 8% of the amount drawn
- Overlimit fee: S$40
Frequently Asked Questions
Why you should apply for DBS Esso Card?
- Instant fuel discounts of up to 21.2% with the DBS Esso Card
- Up to 2.4% Smiles savings
- You can earn 1 Smiles point for every litre of Synergy fuel from any Esso Station
- Cardholders get to enjoy 0% interest-free instalment Payment Plan for Motor Insurance and Road Tax
- Up to S$100 fuel savings as a cash rebate
Can you enjoy an annual fee waiver for DBS Esso Card?
- Yes, the annual fee for the DBS Esso Card of $196.20 (inclusive of GST) is waived for the first year
Who should apply for the DBS Esso Card?
- Drivers or riders who frequent petrol stations for fuel
What is the minimum income requirement for the DBS Esso Card?
- Singapore/PR: Minimum Income of S$30,000
- Non-Singaporean Minimum Income of S$45,000
Find out about the card's host of benefits, charges, promotions and eligibility criteria below.
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Summary
DBS Esso Card
DBS Esso Credit Card is the best card for frequent drivers or riders who wants to enjoy benefits whenever they refuel at Esso. Cardmembers get to enjoy up to discounts and additional Smiles savings on their fuel expenses. This is on of the points earned for every litre of Synergy fuel and an interest-free Instalment Payment Plan for vehicle-related expenses such as insurance and road tax.
Card Features & Details
1) Key Features
- Enjoy sign-up promotion of up to S$120 in the form of cash rebates
- Earn up to 21.6% fuel savings
- Automatic enrolment in Esso Smiles Driver Rewards Programme to earn Smiles Points for fuel purchases at Esso and other retail spend outside of Esso
- Track your Smiles Points conveniently with DBS PayLah! app
2) Benefits
Fuel Savings
- Enjoy an 18% instant fuel discount for DBS Esso Cardholders
- Enjoy an additional S$8 cash savings (equivalent to 3.6% savings) when you make a minimum of S$180 nett fuel spend per calendar month at any Esso service stations
Esso Smiles Points & Rewards
- Automatic enrolment into Esso Smiles Driver Rewards Programme, where you can earn Smiles points for all other retail spend to redeem fuel for free
undefinedundefined - Smiles points redemption:
undefinedundefined - Earn bonus 3X Smiles Points on spending outside of Esso for every S$800 qualifying spend charged to your DBS Esso Card, capped at 640 Bonus Smiles Points per calendar month
3) Eligibility
- Age: 21 years old and above
- Citizenship: Singaporeans and PRs only
- Minimum annual income:
- Singaporean and PR: S$30,000 and above per annum
- Foreigner: S$45,000 and above per annum
4) Fees & Charges
- Annual principal fee: S$196.20 (first year waived)
- Supplementary card annual fee: S$96.30 each
- Late payment fees: S$100
- Repayment grace period: 25 days
- Minimum monthly payment: 3% of statement balance or S$50, whichever is greater
- Cash advance charges: S$15 or 8% of the amount drawn
- Overlimit fee: S$40
Frequently Asked Questions
Why you should apply for DBS Esso Card?
- Instant fuel discounts of up to 21.2% with the DBS Esso Card
- Up to 2.4% Smiles savings
- You can earn 1 Smiles point for every litre of Synergy fuel from any Esso Station
- Cardholders get to enjoy 0% interest-free instalment Payment Plan for Motor Insurance and Road Tax
- Up to S$100 fuel savings as a cash rebate
Can you enjoy an annual fee waiver for DBS Esso Card?
- Yes, the annual fee for the DBS Esso Card of $196.20 (inclusive of GST) is waived for the first year
Who should apply for the DBS Esso Card?
- Drivers or riders who frequent petrol stations for fuel
What is the minimum income requirement for the DBS Esso Card?
- Singapore/PR: Minimum Income of S$30,000
- Non-Singaporean Minimum Income of S$45,000
Find out about the card's host of benefits, charges, promotions and eligibility criteria below.
DBS Esso Card
DBS Esso Card
1 Smiles Point per litre of Synergy fuel
SELECTED SPEND
1 Smiles Point per $10
OTHER SPEND
2 Miles per DBS Point
CONVERSION
3.7
7 Reviews
High to Low
23 Nov 2020
Purchased
DBS Esso Card
[Useful For...] Utilise this card mainly for petrol. Great % of discount with smiles points. Did not make any other purchase with this card. [Fee Waivers] Wasn't the easiest process to request for a fee waiver given the frequent usage of it. But still got it in the end, so, no complains.0
What are your thoughts?Posted 16 Nov 2019
Purchased
DBS Esso Card
This is a great card for fuel savings when paired with existing discount cards. Good to have as a secondary card for the sole purpose of purchasing fuel.0
What are your thoughts?Posted 13 Nov 2019
Purchased
DBS Esso Card
useful for car owners who pump at Esso. Great discounts for fuel. Fee waiver is also easy to apply for.0
What are your thoughts?Posted 20 Nov 2019
Purchased
DBS Esso Card
Applying for the card online was a breeze provided you have a pre-existing DBS / POSB account. The automated process was painless. The card allows you to get great savings at Esso fuel stations, and more than that, you can rack up Smiles Points even more easily as every $10 charged to the card elsewhere is also converted to Smiles points, resulting in further fuel savings.0
What are your thoughts?Posted 20 Nov 2019
Purchased
DBS Esso Card
If purely used for Esso purchase is highly recommended. But for other purposes, read fine prints. Sign up instalment plans for a purchase but was penalised by its rules. Also no reward points. Take note. Dun take up instalments with credit card if can.0
What are your thoughts?Posted 13 Nov 2019
Purchased
DBS Esso Card
High standard interest per annum. But good discount for esso. Pay in time, its fine. Late payment accur heavy interest and you ended up posting only interest monthly that never clears your bill0
What are your thoughts?Posted 08 Mar 2023
Purchased
DBS Esso Card
[Useful For...] Very useful for Esso savings. [Fee Waivers] However the drawback is, Fee Waivers is no guarantee. If you forget, you incurred a $100 late payment fee that cannot be waived. Bear in mind that there is no SMS notification and there is no APP notification of due date. There is only an email notification that look so much like their frequently sent ADS email that you can easily miss out. Personally, I find this quite unacceptable. I ended up with $100 late payment fee that does not help with any Esso savings. I was only 2 days late! At the very least in this age and time, to implement a system to have an app or sms to notify us of due date. Personally, I believe DBS intentionally plans to rip profits of late payment fees. I paid everything including the late payment fee and cancelled the card within 4 months. [Customer Service] Customer service is almost non-existent. Their online chat to fee waive comes with generic responses. Unfortunately for me, they are adamant and refused to waive my fee. [Conclusion] I will stay clear of ALL DBS cards with a 10m pole regardless of rewards. 100% guaranteed any DBS users will be paying more simply because late payment fees potentially cannot be waive. It's a sooner or later scenario because there is NO SMS and APP notification of credit card payment due date, get DBS card only if you can remember to pay your card on time to avoid late payment fee. Otherwise stick to Citi Cash Back Card which still gives as much Esso fuel savings as this card.0
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Key Features and Benefits of DBS Esso Card
These are some features of the DBS Esso Card and the cashback benefits it has to offer.
With a Spending of S$180 spending on fuel at Esso | Savings in Discount | Savings in Dollar |
|---|---|---|
Instant Fuel Discount | 18% | S$39.51 |
Additional Savings (min spend of S$180) | 3.2% | S$7 |
Total Fuel Savings | 21.2% | S$46.51 |
Additional Smiles Savings | Up to 2.4% |
DBS Esso Card - Benefits
Eligibility for DBS Esso
- Be at least 21 years old
- Income of S$30,000 and above per annum for Singaporeans and PR
- Income of S$45,000 and above per annum for foreigner
Fees and Charges for DBS Esso Card
- Annual Principle Fee: $196.20 (Waived for the 1st year)
- Annual Supplementary Card fee: S$96.30 for each supplementary card
- Fee Waiver: First-year annual fee waiver
- Interest-Free Period: 20 days
- Charges for Card Transactions: At the prevailing effective interest rate of 26.80% p.a. (subject to compounding if charges are not paid in full), chargeable on a daily basis from the date of transaction until receipt of full payment. A minimum charge of $2.50 applies.
- Charges for Cash Advance: At the prevailing effective interest rate of 28% p.a. (subject to compounding if charges are not paid in full) on the amount withdrawn, chargeable on a daily basis from the date of withdrawal until receipt of full payment. A minimum charge of $2.50 applies.
- Minimum Monthly Payment: 3% of the outstanding balance, in addition to: i) the total sum of any overdue minimum payment, ii) late payment charges, and iii) any amount exceeding your credit limit, or S$50 (whichever is greater).
- Late Payment Charge: A charge of $100 applies for outstanding balances of $50.01 and up, if payment is not received by the due date. For outstanding balances of $50 and below, no charge applies.
- $0, if the minimum payment specified in the statement is not received by the payment date.
- Cash Advance Fee: The fee for a cash advance is $15 or 6% of the transaction, whichever is greater.
Terms and Conditions of DBS Esso Card
- Esso Smiles Driver Rewards programme gives you up to 2.4% in additional fuel savings
- For every litre of Synergy fuel purchased at any Esso station = Earn 1 Smiles Point
- S$10 instant fuel redemption with 300 Smiles Point with your DBS Esso Card
- S$30 Instant fuel redemption with 750 Smiles Point with your DBS Esso Card
- 0% interest-free instalment payment plan for Motor Insurance and Road Tax:
- You can use your DBS Esso Card to pay off your Motor Insurance and Road Tax fees. DBS will charge you with a 12 months instalment with S$0 administrative fee
DBS Contact Info
- Loss of ATM card(s): 1800 339 6963 (SG) or +65 6339 6963 (if overseas)
- Banking and general enquiries: 1800 111 1111 (SG) or +65 6327 2265 (if overseas)
About DBS
Singapore bank DBS was founded in 1968, and currently has over 100 branches islandwide. With assets totalling some $518 million (as of end-Dec 2017), DBS is the largest bank in Southeast Asia - of which its primary shareholder is Temasek Holdings. The bank's key areas of focus include consumer banking, asset management, securities brokerage, treasury and debt fund-raising in Singapore and Hong Kong.
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