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DBS Esso Card Review

Enjoy instant fuel discounts, a first year annual fee waiver and added savings with the DBS Esso Card.

With an instant fuel discount of 18% and other ways to save when you fill up at Esso, the DBS Esso Card is a must for Singapore drivers. As well as additional savings when you spend a certain amount each month, you get automatic enrolment into the Esso rewards programme for more savings and the chance to earn free fuel.

If you’re frequently on the road and would like to save on the cost of running a car, read on to find out if the DBS Esso Card is right for you.

Benefits of using DBS Esso Card

  • Bonus fuel savings offer. When you sign up for the DBS Esso Card you’ll get up to $110 fuel savings if you spend a minimum of S$180 per month for the three months following card approval date at Esso service stations (ends 30 Sep 2021).
  • Instant fuel discount. Get 18% instant fuel discount when you use your card to fill up at Esso.
  • Even more savings. Take advantage of an added saving of S$7 when you spend a minimum of S$180 on fuel at Esso each calendar month (this offer ends on 31 Dec 2021).
  • Additional Smiles savings. When you sign up for the DBS Esso Card you’ll get automatic enrollment in the Esso Smiles Driver Rewards programme. You can earn an additional 2.4% fuel savings and earn Smiles Points for fuel redemption. 1 litre of Synergy fuel = 1 Smiles Point. Plus, Smiles Private Hire Drivers who use their DBS Esso Card can get an additional 8% rebate on nett fuel spend (until 31 Dec 2021).

Features of the DBS Esso Card

  • Annual fee. The yearly fee for principal cardholders is S$192.60 p.a. and each supplementary card is S$96.30. An annual fee waiver applies for the first year.
  • Pay at the pump. Use your DBS Esso Card to pay at the pump for greater convenience.
  • 0% interest payment plan for motor insurance and road tax. Enjoy 12 months to pay your motor insurance and road tax interest-free and with no administration fee.

How to apply for the DBS Esso Card?

New DBS customers can use MyInfo with your SingPass, but if you do not have a SingPass account, you will need to manually complete a form and then provide documentation to support your application. Make sure to have this ready to go before applying and that you meet the eligibility criteria. If you are an existing DBS customer you can apply through your internet banking.

Eligibility criteria

  • Be 21 years or older
  • Have an income of at least S$30,000 for Singaporeans and PR, and S$45,000 for foreigners

Required documents

For Singaporeans and PR

  • A photocopy of your NRIC (both front and back)
  • A copy of your phone or utility bill
  • Latest 3 months computerized payslips; or
  • Latest min 3 months CPF Contribution History Statement; or
  • Latest 1 year of Income Tax Notice Assessment with latest 3 months computerized payslips / 12 Months CPF Statement

If you have been in your current role for less than three months, you will need to supply the following:

  • A photocopy of your NRIC (both front and back)
  • A photocopy of your staff pass
  • A letter from your company with confirmation of your employment and your salary in SGD
  • A photocopy of your utility or telephone bill

For self-employed or commission-based employees

  • A photocopy of your NRIC (both front and back)
  • Latest 1 year of Income Tax Notice Assessment
  • A copy of your phone or utility bill

For foreigners

  • A photocopy of your passport
  • A photocopy of your Employment Pass (with minimum 6 months validity)
  • A photocopy of your In-Principal Approval (IPA) if your Employment Pass has less than 6 months validity
  • Latest 1 year of Income Tax Notice Assessment with latest computerized payslips
  • A photocopy of your phone or utility bill

If you have been in your role for less than three months, you will also need to supply a letter from your company confirming your employment and your salary in SGD. If you are self-employed or in a commission-based role, you will need to show the latest two years Income Tax Notice Assessment.

Bottom line

The DBS Esso Card is worth considering if you do a lot of driving and would like to keep your fuel costs down. Of course, if you don’t have a car then this card is not right for you so you may want to consider a rewards card or an air miles card that better suits your lifestyle.

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