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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 21.6% 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

  • Instant fuel discount. Get up to 21.6% instant fuel discount when you use your card to fill up at Esso.
  • 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, $10 instant fuel redemption with as low as 300 Smiles Points earned or $30 instant fuel redemption with 750 Smiles Points earned. T&Cs apply. Ends 31 December 2022.

Features of the DBS Esso Card

  • Annual fee. The yearly fee for principal cardholders is $192.60 p.a. and each supplementary card is $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 $30,000 for Singaporeans and PR, and $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.

Compare other credit cards

Name Product Cashback Offer Reward Annual Fee
HSBC Revolution Credit Card
Receive up to $200 cashback. T&Cs apply. Ends 31 Dec 2022.
Earn up to 10X Reward points or 4 miles per $1 spent on qualifying purchases.
$0
New cardholders can choose from a Samsonite Prestige 69cm Spinner Exp with built-in scale (worth $670) or $200 cashback upon $500 minimum spend. Plus, receive up to $150 cashback when you apply for supplementary cards. Existing HSBC credit cardholders are eligible to receive $50 cashback. T&Cs apply. Ends 31 Dec 2022.
American Express Singapore Airlines KrisFlyer Ascend Credit Card
N/A
For every $1 spent, earn 1.2 KrisFlyer miles on local purchases, 2 KrisFlyer miles on overseas spend in June and December, Singapore Airlines and KrisShop and 3.2 KrisFlyer miles on Grab.
$337.05
Get 10,000 KrisFlyer miles upon annual fee payment and first transaction within 30 days from card approval. An additional 15,000 KrisFlyer miles when you spend $3,000 within the first 3 months of card approval. Valid until 31 Jan 2023. Also, earn 3,600 KrisFlyer miles based on the $3,000 spend above (based on 1.2 KrisFlyer miles per $1 spent locally). T&Cs apply.
Citi Prestige Card
Up to 20% cashback at selected merchants
Deals and discounts in more than 90 countries. Also, get six complimentary golf games across Asia
$535
Receive 120,000 ThankYou Points (48,000 Miles) when you pay the annual fee ($535) and spend $800 within two months. T&Cs apply. Valid until 31 Jan 2023.
HSBC Visa Platinum Credit Card
Up to 5% cash rebates on groceries, dining and fuel with minimum monthly spend of at least $600.
Earn 1 Reward point for every $1 on all spend.
$0 annual fee for 2 years - $192.60 thereafter
New cardholders can choose from a Samsonite Prestige 69cm Spinner Exp with built-in scale (worth $670) or $200 cashback upon $500 minimum spend. Plus, receive up to $150 cashback when you apply for supplementary cards. Existing HSBC credit cardholders are eligible to receive $50 cashback. T&Cs apply. Ends 31 Dec 2022.
American Express Platinum Credit Card
N/A
Up to 50% off your food bill for unlimited visits at hotels around Singapore
$321
Get $100 CapitaVoucher upon payment of annual fee and first transaction within 30 days from card approval. An additional $100 worth of CapitaVouchers when you spend $2,000 within the first 3 months of card approval. Also, receive 2,500 Membership Rewards points from your base earn rate for the $2,000 spent. T&Cs apply. Valid until 31 Jan 2023.
Citi Cash Back+ Credit Card
1.6% cash back on selected retail purchases
Get up to 14% fuel discounts at Esso and Shell and 1.6% cash back on eligible retail purchases.
$0 annual fee for 1 year - $192.60 thereafter
Receive 10% cash back (up to $300 cash back) on up to $3,000 spend in the first 2 months. T&Cs apply. Valid until 31 Jan 2023.
HSBC Advance Credit Card
Enjoy up to 3.5% cashback on all purchases with no minimum spend
Receive up to $200 cashback when minimum spend requirements are met.
$0 annual fee for 1 year (permanently waived for HSBC Advance banking customers) - $192.60 thereafter
New cardholders can choose from a Samsonite Prestige 69cm Spinner Exp with built-in scale (worth $670) or $200 cashback upon $500 minimum spend. Plus, receive up to $150 cashback when you apply for supplementary cards. Existing HSBC credit cardholders are eligible to receive $50 cashback. T&Cs apply. Ends 31 Dec 2022.
American Express True Cashback Card
Earn 1.5% cashback on all eligible spending with no minimum spend or cap
Enjoy 1.5% cashback on all purchases with no minimum spend or cap.
$0 annual fee for 1 year - $171.20 thereafter
Apply today and get a 3% cashback bonus when you spend $5,000 in the first six months.
Citi Cash Back Card
6% cash back on dining, 8% cashback on groceries and petrol transactions. 0.25% cashback on other retail purchases, capped at $80 for all transactions per statement month.
Get up to 20.88% fuel discounts at Esso and Shell, 6% cashback on dining and 8% cashback on groceries.
$0 annual fee for 1 year - $192.60 thereafter
Get a welcome gift of $300 cash back when you spend $800 in the first two months. T&Cs apply. Ends 31 Jan 2023.
Aspire Corporate Card
1% Cashback for qualified spend of above S$5,000. T&Cs apply
Enjoy exclusive perks and discounts with Aspire's extensive range of partners, redeemable at anytime
$0
A corporate debit card for SMEs and Startups with no annual fee and low FX fees. Enjoy 1% cashback on marketing and SaaS spend. T&Cs apply.
Volopay Business Credit Card
Up to 5% cashback on all transactions. T&Cs apply
N/A
$0
Enjoy better visibility and control with customisable built-in budgets for each card, while earning up to 5% cashback on all eligible spends
Citi SMRT Card
Up to 5% savings on groceries, online shopping, taxis (including private hire rides), and EZ-Link Auto Top-up/SimplyGo. Plus, 0.3% savings on all other spend
Up to 5% savings on groceries, online shopping, taxis (including private hire rides), and EZ-Link Auto Top-up/SimplyGo. Plus, 0.3% savings on all other spend
$0 annual fee for 2 years - $192.60 thereafter
All new cardholders are qualified to receive $300 cash back, as long as you meet the $1,000 qualifying spend. This offer is only available within three months from card approval. Terms and conditions apply and offers are subject to change from time to time at the bank’s discretion. Valid until 31 Jan 2023.
Citi PremierMiles Card
Up to 20% cashback at selected merchants
Earn 1.2 Citi Miles for every $1 spent locally and 2 Citi Miles for every $1 spent overseas.
$192.60
New cardholders can earn 30,000 Citi Miles as a welcome bonus upon payment of the annual fee and $800 minimum spend requirement within two months from date of card approval. Alternatively, cardholders can get 8,000 Citi Miles as a welcome bonus if the $800 minimum spend requirements are met within two months from date of card approval. T&Cs apply. Ends 31 Jan 2023.
American Express Singapore Airlines KrisFlyer Credit Card
$150 cashback for use at singaporeair.com when you spend a minimum of $12,000 until 30 June 2023.
For every $1 spent, earn 1.1 KrisFlyer miles on all eligible purchases, 2 KrisFlyer miles in foreign currency spent overseas during June & December and 3.1 KrisFlyer miles on eligible Grab Singapore transactions.
$0 annual fee for 1 year - $176.55 thereafter
Get 15,000 KrisFlyer miles with a minimum spend of $2,000 in the first 3 months and an additional 2,200 KrisFlyer miles based on the $2,000 spending above (based on 1.1 KrisFlyer miles per $1 spent locally). T&Cs apply. Valid until 31 Jan 2023.
Citi Lazada Card
Enjoy shipping rebates on eligible purchases of at least $50 at Lazada.
Earn 10x rewards on eligible Lazada purchases and 5x rewards on qualifying dining, entertainment and commute purchases
$0 annual fee for 1 year - $192.60 thereafter
Citi Rewards Credit Card
Up to 26% cashback at selected merchants
10X Rewards on eligible online (except travel), fashion shopping, department stores, taxi/ride hailing apps, food delivery and online groceries, capped at 10,000 points per statement month.
1X Rewards for other retail purchases.
$0 annual fee for 1 year - $192.60 thereafter
Get up to 40,000 Citi ThankYou Points when you spend $800 in the first 2 months. T&Cs apply. Ends 31 Jan 2023.
American Express CapitaCard
N/A
Earn up to 3% rebate (6X STAR$) at participating merchants in CapitaLand Malls in town.​ An additional 5% rebate (10X STAR$ or 50 STAR$) at participating STAR$ X’tra Partners in CapitaLand Malls.​
$0 annual fee for 1 year - $171.20 thereafter
New members can receive 150,000 STAR$ by spending $1,500 in the first 3 months of card membership and up to 45,000 STAR$ upon $1,200 per calendar month, based on 6X STAR$ at participating merchants in CapitaLand Malls in town. T&Cs apply. Ends 31 Jan 2023.
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