Best Credit Cards with Esso Promotions 2022

As petrol costs continue to rise, fuel discounts are becoming increasingly important. We've reviewed Singapore's best credit cards to identify those which not only offer promotions at Esso–one of the most popular petrol brands in Singapore–but that also provide rewards and perks that add value to an everyday lifestyle. Our in-depth reviews provide insights that can help you to choose the credit card that best fits your budget and spending habits.

Best Miles Credit Cards for Esso Promotions
  • DBS Altitude: Fee-waiver & perks like lounge access (Up to 14% fuel savings at Esso)
  • Citi PMV: 45,000 Welcome Citi Miles with S$9,000 spend in 3 mo (Up to 14% fuel savings at Esso)
  • OCBC 90°N: Unlimited cashback + miles & annual renewal bonus (Up to 14% fuel savings at Esso)
Best Cashback Credit Cards for Esso Promotions
  • Citi Cash Back: Up to 8% rebate on groceries & petrol, 6% on dining (Up to 20.88% fuel savings at Esso)
  • POSB Everyday: Rebates up to 10% in Singapore (Up to 14% fuel savings at Esso)
  • DBS Live Fresh: Rebates for online & contactless spend (Up to 14% fuel savings at Esso)
Best No-Fee Card for Esso Promotions:
  • OCBC 365: 6% rebate on dining, 3% rebate on groceries, utilities and travel, Visa Concierge Services (Up to 20.2% fuel savings at Esso)
Best Shopping Cards for Esso Promotions
  • Citi Rewards: Up to 4 miles per S$1 for fashion & online spend (Up to 14% fuel savings at Esso)
  • OCBC Titanium: 4 miles per S$1 on fashion & select retail (Up to 14% fuel savings at Esso)
  • DBS Woman's World: 4 miles per S$1 for online shopping (Up to 14% fuel savings at Esso)
  • OCBC Cashflo: Rewards for split payments, no processing fee (Up to 14% fuel savings at Esso)
Best Cards with Esso Promotions for Young Adults
  • OCBC Frank: 6% rebate online, low S$400 min. spend requirement (Up to 14% fuel savings at Esso)
  • Citi SMRT: 5% everyday rebates w/S$500 min spend (Up to 14% fuel savings at Esso)
Best Credit Card for Esso Loyalists
  • DBS Esso: Discounts, rewards & vouchers for fuel (Up to 23.6% fuel savings at Esso)

Compare the Best Credit Cards with Esso Promotions in Singapore by Dollar Value

Based on a high monthly spend of S$2,000, we analysed the best credit cards on the market to estimate returned value-to-consumer after 2 years, accounting for rebates and netting out annual fees. As a note, dollar value is heavily dependent on spending habits; intangible benefits (like free travel insurance and airport lounge access) are valuable but difficult to quantify.

A graph displaying how the best credit cards with Esso promotions compare to one another in terms of their rewards
Best Credit Cards with Esso Promotions in Singapore by Estimated 2-Year Dollar Value
Best Miles Cards for Esso Promos Best Cashback Cards for Esso Promos Best No-Fee Card for Esso Promos: Best Shopping Cards for Esso Promos Best Cards w/ Esso Promos for YA Best Credit Card for Esso Loyalists

Compare the Best Credit Cards with Esso Promotions in Singapore by Dollar Value

Based on a high monthly spend of S$2,000, we analysed the best credit cards on the market to estimate returned value-to-consumer after 2 years, accounting for rebates and netting out annual fees. As a note, dollar value is heavily dependent on spending habits; intangible benefits (like free travel insurance and airport lounge access) are valuable but difficult to quantify.

A graph displaying how the best credit cards with Esso promotions compare to one another in terms of their rewards
Best Credit Cards with Esso Promotions in Singapore by Estimated 2-Year Dollar Value
Best Miles Cards for Esso Promos Best Cashback Cards for Esso Promos Best No-Fee Card for Esso Promos: Best Shopping Cards for Esso Promos Best Cards w/ Esso Promos for YA Best Credit Card for Esso Loyalists

Compare Credit Cards with Esso Promotions by Dollar Value

Based on a high monthly spend of S$2,000, we analysed the best credit cards on the market to estimate returned value-to-consumer after 2 years, accounting for rebates and netting out annual fees. As a note, dollar value is heavily dependent on spending habits; intangible benefits (like free travel insurance and airport lounge access) are valuable but difficult to quantify.

A graph displaying how the best credit cards with Esso promotions compare to one another in terms of their rewards
Best Credit Cards with Esso Promotions in Singapore by Estimated 2-Year Dollar Value

Esso in Singapore: How Do Petrol Discounts Work?

Many credit cards offer petrol promotions with Esso, but understanding just how these discounts work can be difficult. In most cases, there are several layers of savings from different sources that contribute to the final discount rate. First, cardholders earn a 5% Esso station discount, simply for making their purchase on-site. Next, Esso Smiles loyalty members earn an additional 5% discount; you can register for the Esso Smiles Driver Rewards programme for free at an Esso station. Next, the card issuer may apply an extra discount–typically 4%. Finally, credit cards with a special petrol boost (i.e., 8% cashback on petrol) can add additional savings to impact the total discount earned.

Best Air Miles Cards with Esso Petrol Promotions

If you're looking to earn miles while also saving at Esso, consider these options.

DBS Altitude Visa: No-Fee Miles & Luxury Perks

DBS Altitude Visa Signature Card
DBS Altitude Visa Signature Card
  • Free lounge access & golf privileges, waivable fee
  • Current Discount: Up to 14% fuel savings at Esso
  • Promotions:
  • Read Our Full Review
  • Annual fee: S$192.60 (first year- waived)
  • Alternative: pay the annual fee and receive 10,000 bonus miles or charge min S$25,000/year and receive annual fee waiver + 10,000 bonus miles
  • 1.2 miles per S$1 locally, 2 miles overseas
  • 3 miles per S$1 spend on online shopping, online flight and hotel transactions
  • Miles earned never expire
  • Free travel insurance, 2x lounge visits, golfing & dining privileges
  • DBS My Preferred Payment Plan (0% interest instalments)
Travellers with a moderate budget can enjoy competitive rates and a broad variety of high-end perks with DBS Altitude Visa Card–all without having to pay an annual fee. Cardholders earn 1.2 miles per S$1 spend, 2 miles overseas and 3 miles for online travel bookings. Miles earned never expire. DBS Altitude Card really stands out, however, by offering 2 free lounge visits per year, complimentary travel insurance, green fee discounts & dining privileges across SE Asia. Those spending S$25,000 per year (about S$2,083 per month) are also exempt from the S$192.6 annual fee. All in all, travellers seeking no-fee miles and special perks when they travel should consider DBS Altitude Card.
DBS Altitude Visa Signature Card
DBS Altitude Visa Signature Card
  • Stand-Out: Free lounge access & golf privileges, waivable fee
  • Current Petrol Discount: Up to 14% fuel savings at Esso
  • Promotions:
  • Read Our Full Review
  • Annual fee: S$192.60 (first year- waived)
  • Alternative: pay the annual fee and receive 10,000 bonus miles or charge min S$25,000/year and receive annual fee waiver + 10,000 bonus miles
  • 1.2 miles per S$1 locally, 2 miles overseas
  • 3 miles per S$1 spend on online shopping, online flight and hotel transactions
  • Miles earned never expire
  • Free travel insurance, 2x lounge visits, golfing & dining privileges
  • DBS My Preferred Payment Plan (0% interest instalments)
Travellers with a moderate budget can enjoy competitive rates and a broad variety of high-end perks with DBS Altitude Visa Card–all without having to pay an annual fee. Cardholders earn 1.2 miles per S$1 spend, 2 miles overseas and 3 miles for online travel bookings. Miles earned never expire. DBS Altitude Card really stands out, however, by offering 2 free lounge visits per year, complimentary travel insurance, green fee discounts & dining privileges across SE Asia. Those spending S$25,000 per year (about S$2,083 per month) are also exempt from the S$192.6 annual fee. All in all, travellers seeking no-fee miles and special perks when they travel should consider DBS Altitude Card.

Citi PremierMiles Visa: Free Lounge + Bonus Miles

  • Earn 2mi/S$1 overseas, 2 free lounge visits/yr
  • Current Discount: Up to 14% fuel savings at Esso
  • Promotions: PROMO: Receive Apple AirPods Pro (worth S$379) or Ninja OP300 Multi Cooker (worth S$499) or S$350 Cash via PayNow with a min. spend of S$500
  • Existing cardmembers will receive S$30 cash via PayNow with no minimum spend.
  • Read Our Full Review
  • Annual fee: S$192.60 (first year - waived)
  • 10,000 bonus annual renewal miles (worth S$100)
  • 2 miles/S$1 spend abroad and 1.2 miles/S$1 on local spend
  • Miles earned never expire
  • Customers can redeem miles with points or for cash
  • 2 free lounge visits & free travel insurance
Citi PremierMiles Visa Card offers average spenders an affordable way to enjoy exclusive travel perks and benefits. Cardholders earn 1.2 miles per S$1 locally and 2 miles overseas, which aligns with market standards. Citi PMV stands out, however, by offering 2 free lounge visits and 10,000 bonus miles (worth about S$100) annually–perks typically limited to far more expensive travel cards. Citi PMV's annual fee is a moderate S$192.6, and is also waived for the 1st year. Overall, travellers who want a taste of luxury without the costs may want to consider Citi PMV Card.
  • Stand-Out: Earn 2mi/S$1 overseas, 2 free lounge visits/yr
  • Current Petrol Discount: Up to 14% fuel savings at Esso
  • Promotions: PROMO: Receive Apple AirPods Pro (worth S$379) or Ninja OP300 Multi Cooker (worth S$499) or S$350 Cash via PayNow with a min. spend of S$500
  • Existing cardmembers will receive S$30 cash via PayNow with no minimum spend.
  • Read Our Full Review
  • Annual fee: S$192.60 (first year - waived)
  • 10,000 bonus annual renewal miles (worth S$100)
  • 2 miles/S$1 spend abroad and 1.2 miles/S$1 on local spend
  • Miles earned never expire
  • Customers can redeem miles with points or for cash
  • 2 free lounge visits & free travel insurance
Citi PremierMiles Visa Card offers average spenders an affordable way to enjoy exclusive travel perks and benefits. Cardholders earn 1.2 miles per S$1 locally and 2 miles overseas, which aligns with market standards. Citi PMV stands out, however, by offering 2 free lounge visits and 10,000 bonus miles (worth about S$100) annually–perks typically limited to far more expensive travel cards. Citi PMV's annual fee is a moderate S$192.6, and is also waived for the 1st year. Overall, travellers who want a taste of luxury without the costs may want to consider Citi PMV Card.

OCBC 90°N Card: Hassle-Free Miles & Cashback Rewards

OCBC 90°N Card
OCBC 90°N Card
  • Earn unlimited cashback & miles, no conversion fees
  • Current Discount: Up to 14% fuel savings at Esso
  • Promotions:
  • Read Our Full Review
  • Annual fee: S$192.60 (first year - waived)
  • Renewal bonus: 10,000 Travel$ (worth 10,000 miles or S$100)
  • Miles Option: 1.2 miles per S$1 locally, 2.1 miles overseas
  • Cashback Option: 1.2% rebate locally, 2.1% overseas
  • No conversion fees & rewards never expire
  • Access to Mastercard Airport Experiences
If you're a high spender seeking unlimited cashback, but are also interested in occasionally earning miles, you might want to consider OCBC 90°N Card. Spend is rewarded with Travel$ upfront. These points can then each be redeemed for 1 air mile or S$0.01 cash rebate. As such, cardholders can earn 1.2 miles per S$1 locally & 2.1 miles overseas, or 1.2% local cashback and 2.1% overseas. In both cases, these overseas rates are reasonably competitive. In fact, travel cards with a similar annual fee typically offer a slightly lower 2 miles per S$1 foreign currency spend. In addition, unlimited cashback cards offer 2% rebate overseas at most–and require S$2k minimum spend just to unlock this rate. Finally, rewards earned with OCBC 90°N Card never expire and can be redeemed without extra costs or conversion fees. These features are great for consumers who value flexibility and may want to switch between rewards types without losing out on weaker redemption values.


Cardholders also receive a few added perks. With each annual fee payment of S$192.6, consumers receive 10,000 bonus Travel$, which is equal to 10,000 air miles or S$100 cash rebate. Additionally, cardholders can enjoy discounted access to lounges worldwide with Mastercard Airport Experiences. Overall, OCBC 90°N Card is one of the most flexible rewards cards on the market, offering wealthy cardholders a seamless way to earn both miles and cashback while also avoiding rewards caps.

OCBC 90°N Card
OCBC 90°N Card
  • Stand-Out: Earn unlimited cashback & miles, no conversion fees
  • Current Discount: Up to 14% fuel savings at Esso
  • Promotions:
  • Read Our Full Review
  • Annual fee: S$192.60 (first year - waived)
  • Renewal bonus: 10,000 Travel$ (worth 10,000 miles or S$100)
  • Miles Option: 1.2 miles per S$1 locally, 2.1 miles overseas
  • Cashback Option: 1.2% rebate locally, 2.1% overseas
  • No conversion fees & rewards never expire
  • Access to Mastercard Airport Experiences
If you're a high spender seeking unlimited cashback, but are also interested in occasionally earning miles, you might want to consider OCBC 90°N Card. Spend is rewarded with Travel$ upfront. These points can then each be redeemed for 1 air mile or S$0.01 cash rebate. As such, cardholders can earn 1.2 miles per S$1 locally & 2.1 miles overseas, or 1.2% local cashback and 2.1% overseas. In both cases, these overseas rates are reasonably competitive. In fact, travel cards with a similar annual fee typically offer a slightly lower 2 miles per S$1 foreign currency spend. In addition, unlimited cashback cards offer 2% rebate overseas at most–and require S$2k minimum spend just to unlock this rate. Finally, rewards earned with OCBC 90°N Card never expire and can be redeemed without extra costs or conversion fees. These features are great for consumers who value flexibility and may want to switch between rewards types without losing out on weaker redemption values.


Cardholders also receive a few added perks. With each annual fee payment of S$192.6, consumers receive 10,000 bonus Travel$, which is equal to 10,000 air miles or S$100 cash rebate. Additionally, cardholders can enjoy discounted access to lounges worldwide with Mastercard Airport Experiences. Overall, OCBC 90°N Card is one of the most flexible rewards cards on the market, offering wealthy cardholders a seamless way to earn both miles and cashback while also avoiding rewards caps.

Best Cashback Cards with Esso Petrol Promotions

These credit cards offer top rebates on daily spend as well as on petrol at Esso.

Citi Cash Back Card: Top Rebates on Food & Petrol

  • Up to 8% rebate on groceries & petrol, 6% on dining
  • Current Discount: Up to 20.88% fuel savings at Esso
  • Promotions:
  • Read Our Full Review
  • Annual fee: S$192.60 (first year- waived)
  • 8% cashback on groceries
  • 6% cashback on dining
  • Up to 20.88% fuel savings at Esso & Shell and 8% cashback at other petrol stations
  • 0.25% cashback on all other purchases
  • Cashback capped at S$80/month
  • Stand-Out: Up to 8% rebate on groceries & petrol, 6% on dining
  • Current Petrol Discount: Up to 20.88% fuel savings at Esso
  • Promotions:
  • Read Our Full Review
  • Annual fee: S$192.60 (first year- waived)
  • 8% cashback on groceries
  • 6% cashback on dining
  • Up to 20.88% fuel savings at Esso & Shell and 8% cashback at other petrol stations
  • 0.25% cashback on all other purchases
  • Cashback capped at S$80/month
If you're an average spender looking for a card that rewards your biggest daily spend categories, consider Citi Cash Back Card. Cardholders earn 8% cashback on dining, groceries and petrol–which make up a large part of many Singaporean's budgets. This rate is unlocked with S$800 minimum spend, and rewards are capped at S$80/month. Even better, the moderate S$192.6 fee is waived the first year. Paired with special petrol perks–both at Esso and Shell–Citi Cash Back Card's great rates make it easy for everyday consumers to earn and save on daily spend.

POSB Everyday Card: High Promotional Rates on Essentials

  • Best for rebates in SG w/ S$800 min. spend
  • Current Discount: Up to 14% fuel savings at Esso
  • Promotions:
  • Read Our Full Review
  • Annual fee: S$192.60 (first year - waived)
  • 10% cash rebates on online food delivery (foodpanda, Deliveroo and WhyQ ) and 3% on other dining spend
  • 8% cash rebates on fuel (up to 21.8% at SPC)
  • 5% cash rebates on groceries (Sheng Siong)
  • 5% cash rebates on online shopping (Amazon, Lazada, Qoo10, Shopee, RedMart & iHerb)
  • 3% cash rebates on personal care at Watsons
  • 1% cash rebates on recurring bills with select merchants (capped at S$1/month)
  • 0.3% cash rebate on all other spend
  • DBS Payment Plan: pay 0% interest, up to 6 months
If you're looking for a card that rewards all kinds of daily spending, especially with popular merchants across Singapore, POSB Everyday Card may be right for you. Cardholders earn at market-leading promotional rates – often up to 10% – on key categories like online food delivery, groceries, dining, transport, personal care and even recurring bills. While some of these categories tend to be merchant restricted, eligible vendors are often quite popular (Sheng Siong, Watsons, Lazada, Qoo10, Amazon & more). Finally, while there's a S$192.60 annual fee, it's waived the 1st year. With POSB Everyday Card, average spenders willing to shop with select merchants can quickly accrue cashback on the majority of their daily spend.
  • Stand-Out: Best for rebates in SG w/ S$800 min. spend
  • Current Petrol Discount: Up to 14% fuel savings at Esso
  • Promotions:
  • Read Our Full Review
  • Annual fee: S$192.60 (first year - waived)
  • 10% cash rebates on online food delivery (foodpanda, Deliveroo and WhyQ ) and 3% on other dining spend
  • 8% cash rebates on fuel (up to 21.8% at SPC)
  • 5% cash rebates on groceries (Sheng Siong)
  • 5% cash rebates on online shopping (Amazon, Lazada, Qoo10, Shopee, RedMart & iHerb)
  • 3% cash rebates on personal care at Watsons
  • 1% cash rebates on recurring bills with select merchants (capped at S$1/month)
  • 0.3% cash rebate on all other spend
  • DBS Payment Plan: pay 0% interest, up to 6 months
If you're looking for a card that rewards all kinds of daily spending, especially with popular merchants across Singapore, POSB Everyday Card may be right for you. Cardholders earn at market-leading promotional rates – often up to 10% – on key categories like online food delivery, groceries, dining, transport, personal care and even recurring bills. While some of these categories tend to be merchant restricted, eligible vendors are often quite popular (Sheng Siong, Watsons, Lazada, Qoo10, Amazon & more). Finally, while there's a S$192.60 annual fee, it's waived the 1st year. With POSB Everyday Card, average spenders willing to shop with select merchants can quickly accrue cashback on the majority of their daily spend.

DBS Live Fresh: Best for Online & Contactless Spend

DBS Live Fresh Card
DBS Live Fresh Card
  • Up to 5% rebates on online & contactless spend, additional 5% green cashback
  • Current Discount: Up to 14% fuel savings at Esso
  • Promotions:
  • Read Our Full Review
  • Annual fee: S$192.60 (first year- waived)
  • 5% rebate on online spend & visa contactless spend, including games purhases and SimplyGo rides
  • Additional 5% cashback on sustainable spend (eco-eateries, eco-retailers and eco-transport)
  • 0.3% cashback on all other spend
  • Split your income tax, education and insurance payments with 0% interest and no fees with DBS Payment Plan
  • 14% fuel savings at Esso
  • Cashback capped at S$75/month
DBS Live Fresh Card
DBS Live Fresh Card
  • Stand-Out: Up to 5% rebates on online & contactless spend, additional 5% green cashback
  • Current Petrol Discount: Up to 14% fuel savings at Esso
  • Promotions:
  • Read Our Full Review
  • Annual fee: S$192.60 (first year- waived)
  • 5% rebate on online spend & visa contactless spend, including games purhases and SimplyGo rides
  • Additional 5% cashback on sustainable spend (eco-eateries, eco-retailers and eco-transport)
  • 0.3% cashback on all other spend
  • Split your income tax, education and insurance payments with 0% interest and no fees with DBS Payment Plan
  • 14% fuel savings at Esso
  • Cashback capped at S$75/month
Modern spenders who are comfortable with contactless spending can benefit from DBS Live Fresh Card. Cardholders earn 5% cashback on transactions made both online and with Visa payWave, which includes Google Pay, Apple Pay, Samsung Pay & more. Given that many merchants across Singapore now support contactless payments, it's relatively easy to reach the rewards cap of S$60 every month (maxed out with S$1,200 spend), potentially earning up to S$720 per year. There is a S$600 minimum spend requirement to access these rates, but this is just half the amount a consumer would need to take full advantage of the card regardless. Finally, the S$192.6 fee is waived the 1st year.

Best No Fee Cards with Esso Petrol Promotions

Consider the card below if you want to earn without worrying about extra fees.

OCBC 365 Card: No-Fee Rebates on Daily Budgets

  • High travel & dining cashback plus exclusive travel deals
  • Current Discount: Up to 20.2% fuel savings at Esso
  • Promotions:
  • Read Our Full Review
  • Annual fee: S$192.60 (automatic annual fee waiver with min annual spend of S$10,000)
  • 6% rebate on local, overseas dining & online food delivery
  • 3% rebate on local, overseas and online groceries
  • 3% rebate on land transport, utilities (telco and electricity bills) & online travel
  • 5% rebate on petrol (up to 22.1% fuel savings at Caltex and 20.2% with Esso)
  • 0.3% cashback on all other spend
  • Visa Signature Privileges
If you want a card that provides rewards on everyday spend–but what to avoid the annual fee charged by most cards that fall within this category–you may want to consider OCBC 365 Card. Cardholders earn an impressive 6% rebate on dining & online food delivery and 3% on groceries, land transport, travel bookings and recurring electricity & telco bills (which are typically exempt from earning rewards). These rates are unlocked with just S$800 minimum spend. Those spending S$833/month (S$10k/year), however, are also exempt from the S$192.6 annual fee. As a result, those who are truly benefitting from OCBC 365 Card are also quite likely to avoid paying any added costs.


Finally, OCBC 365 Card surpasses alternatives as there are no merchant restrictions, and rewards are capped at a rather lofty S$80/month. All in all, average spenders who want to earn rewards on their day-to-day budget without paying extra for the right to do so should consider OCBC 365 Card.

  • Stand-Out: High travel & dining cashback plus exclusive travel deals
  • Current Petrol Discount: Up to 20.2% fuel savings at Esso
  • Promotions:
  • Read Our Full Review
  • Annual fee: S$192.60 (automatic annual fee waiver with min annual spend of S$10,000)
  • 6% rebate on local, overseas dining & online food delivery
  • 3% rebate on local, overseas and online groceries
  • 3% rebate on land transport, utilities (telco and electricity bills) & online travel
  • 5% rebate on petrol (up to 22.1% fuel savings at Caltex and 20.2% with Esso)
  • 0.3% cashback on all other spend
  • Visa Signature Privileges
If you want a card that provides rewards on everyday spend–but what to avoid the annual fee charged by most cards that fall within this category–you may want to consider OCBC 365 Card. Cardholders earn an impressive 6% rebate on dining & online food delivery and 3% on groceries, land transport, travel bookings and recurring electricity & telco bills (which are typically exempt from earning rewards). These rates are unlocked with just S$800 minimum spend. Those spending S$833/month (S$10k/year), however, are also exempt from the S$192.6 annual fee. As a result, those who are truly benefitting from OCBC 365 Card are also quite likely to avoid paying any added costs.


Finally, OCBC 365 Card surpasses alternatives as there are no merchant restrictions, and rewards are capped at a rather lofty S$80/month. All in all, average spenders who want to earn rewards on their day-to-day budget without paying extra for the right to do so should consider OCBC 365 Card.

Best Online & Shopping Cards with Esso Petrol Promotions

Frequent shoppers can also take advantage of discounts at Esso with these cards.

Citi Rewards: Miles Rewards for Online & Fashion

  • Up to 4mi/S$1 spend on fashion retail & all online spend
  • Current Discount: Up to 14% fuel savings at Esso
  • Promotions: Receive Apple AirPods Pro (worth S$379) or Ninja OP300 Multi Cooker (worth S$499) or S$350 cash via PayNow upon activating and spending a min. of S$500 within 30 days of card approval. Promotion valid from 14 January 2022 to 30 January 2022
  • Existing cardmembers will receive S$30 cash via PayNow with no minimum spend.
  • Read Our Full Review
  • Annual fee: S$192.60 (first year- waived)
  • 4 miles (10pts) per S$1 fashion retail spend
  • 4 miles (10pts) per S$1 online (inc. food delivery & ride-hailing services)
  • 0.4 miles (1pt) on all other retail spend
  • Free travel insurance
Citi Rewards Card is one of the absolute best cards on the market for people who do most of their shopping online. Cardholders earn 4 miles per S$1 spend on all types of online spend, including retail as well as food and grocery delivery and even ride-hailing services. Consumers also earn 4 miles per S$1 spend on fashion retail–online, offline, locally or overseas. There is no minimum spend requirement to unlock these rates, making Citi Rewards Card great for shoppers with variable spend levels.


It is worth mentioning that earnings are capped at 4,000 miles/month (worth about S$40 value-to-consumer). This can be maxed out with S$1,000 monthly spend. As a result, Citi Rewards Card is best suited to those with a shopping budget of about S$1k/month, and–while there's a S$192.6 fee–the card still could be used supplement to an everyday card that rewards broader spending.

  • Stand-Out: Up to 4mi/S$1 spend on fashion retail & all online spend
  • Current Petrol Discount: Up to 14% fuel savings at Esso
  • Promotions: Receive Apple AirPods Pro (worth S$379) or Ninja OP300 Multi Cooker (worth S$499) or S$350 cash via PayNow upon activating and spending a min. of S$500 within 30 days of card approval. Promotion valid from 14 January 2022 to 30 January 2022
  • Existing cardmembers will receive S$30 cash via PayNow with no minimum spend.
  • Read Our Full Review
  • Annual fee: S$192.60 (first year- waived)
  • 4 miles (10pts) per S$1 fashion retail spend
  • 4 miles (10pts) per S$1 online (inc. food delivery & ride-hailing services)
  • 0.4 miles (1pt) on all other retail spend
  • Free travel insurance
Citi Rewards Card is one of the absolute best cards on the market for people who do most of their shopping online. Cardholders earn 4 miles per S$1 spend on all types of online spend, including retail as well as food and grocery delivery and even ride-hailing services. Consumers also earn 4 miles per S$1 spend on fashion retail–online, offline, locally or overseas. There is no minimum spend requirement to unlock these rates, making Citi Rewards Card great for shoppers with variable spend levels.


It is worth mentioning that earnings are capped at 4,000 miles/month (worth about S$40 value-to-consumer). This can be maxed out with S$1,000 monthly spend. As a result, Citi Rewards Card is best suited to those with a shopping budget of about S$1k/month, and–while there's a S$192.6 fee–the card still could be used supplement to an everyday card that rewards broader spending.

OCBC Titanium Card: No-Fee Shopping Miles

  • 4 mi/S$1 on fashion & merchants like Amazon, Lazada
  • Current Discount: Up to 14% fuel savings at Esso
  • Promotions: New cardholders get welcome gift vouchers worth up to S$300 via STACK loyalty platform within 7 business days of card approval
  • Redeem 10,000 KrisFlyer Miles when you earn 25,000 OCBC$
  • Read Our Full Review
  • Annual fee: S$192.60 (two years fee waiver + automatic annual fee waiver with min annual spend of S$10,000)
  • Subsequently waived w/ min annual spend of S$25,000
  • 4 miles (10 OCBC$ Pts) per S$1 spend on select online and retail purchases (Lazada, Shopee, Amazon and Qoo10)
  • 0.4 miles (1 OCBC$ Pts.) on all other spend
  • 2% cash rebate on BEST Denki spend
OCBC Titanium Rewards Card is one of the best no-fee shopping cards on the market, offering 4 miles per S$1 spend on all fashion retail and with popular online merchants (Amazon, Lazada, Qoo10 & more). There's no minimum spend requirement, and cardholders can earn up to 4,000 miles/month–maxed out after just S$1,000 spend. Even better, those who are able to max out their earnings will more than achieve the S$10,000 annual minimum required to waive the card's S$192.6 annual fee. Altogether, OCBC Titanium Card is great for fashion & online shoppers with a budget within this range, especially those who often shop with the selected vendors.
  • Stand-Out: 4 mi/S$1 on fashion & merchants like Amazon, Lazada
  • Current Petrol Discount: Up to 14% fuel savings at Esso
  • Promotions: New cardholders get welcome gift vouchers worth up to S$300 via STACK loyalty platform within 7 business days of card approval
  • Redeem 10,000 KrisFlyer Miles when you earn 25,000 OCBC$
  • Read Our Full Review
  • Annual fee: S$192.60 (two years fee waiver + automatic annual fee waiver with min annual spend of S$10,000)
  • Subsequently waived w/ min annual spend of S$25,000
  • 4 miles (10 OCBC$ Pts) per S$1 spend on select online and retail purchases (Lazada, Shopee, Amazon and Qoo10)
  • 0.4 miles (1 OCBC$ Pts.) on all other spend
  • 2% cash rebate on BEST Denki spend
OCBC Titanium Rewards Card is one of the best no-fee shopping cards on the market, offering 4 miles per S$1 spend on all fashion retail and with popular online merchants (Amazon, Lazada, Qoo10 & more). There's no minimum spend requirement, and cardholders can earn up to 4,000 miles/month–maxed out after just S$1,000 spend. Even better, those who are able to max out their earnings will more than achieve the S$10,000 annual minimum required to waive the card's S$192.6 annual fee. Altogether, OCBC Titanium Card is great for fashion & online shoppers with a budget within this range, especially those who often shop with the selected vendors.

DBS Woman's World: Shopping Miles & 0% Instal Plan

DBS Woman's World Card
DBS Woman's World Card
  • Up to 4 miles/S$1 spend on online shopping
  • Current Discount: Up to 14% fuel savings at Esso
  • Promotions:
  • Read Our Full Review
  • Annual fee: S$192.60 (first year- waived)
  • Subsequently waived w/ min annual spend of S$25,000
  • 4 miles per S$1 spend on online purchase and, 1.2 miles on overseas spend
  • 0.4 miles per S$1 spend on all other purchases
  • DBS My Preferred Payment Plan (0% interest instalments)
  • e-Commerce protection on online purchases
DBS Woman’s World Card is a great no-fee option for online fashion shoppers, especially those that tend to make big purchases that they prefer to pay off over time. Cardholders earn 4 miles per S$1 spend on online retail, capped at 8,000 miles/month–double that offered by competitor cards–plus 0.4 miles per S$1 on general local and 1.2 miles for overseas spend. Even better, those who spend S$25,000/year (about S$2,083/month) are exempt from the S$192.6 fee.


DBS Woman's World also stands out by offering access to its My Preferred Payment Plan. Under this plan, consumers can split large transactions into instalments, paying them off over time with 0% interest and no processing fees. Ultimately, DBS Woman's World is a great option for online shoppers who often make big purchases they can't fully pay for upfront.

DBS Woman's World Card
DBS Woman's World Card
  • Stand-Out: Up to 4 miles/S$1 spend on online shopping
  • Current Petrol Discount: Up to 14% fuel savings at Esso
  • Promotions:
  • Read Our Full Review
  • Annual fee: S$192.60 (first year- waived)
  • Subsequently waived w/ min annual spend of S$25,000
  • 4 miles per S$1 spend on online purchase and, 1.2 miles on overseas spend
  • 0.4 miles per S$1 spend on all other purchases
  • DBS My Preferred Payment Plan (0% interest instalments)
  • e-Commerce protection on online purchases
DBS Woman’s World Card is a great no-fee option for online fashion shoppers, especially those that tend to make big purchases that they prefer to pay off over time. Cardholders earn 4 miles per S$1 spend on online retail, capped at 8,000 miles/month–double that offered by competitor cards–plus 0.4 miles per S$1 on general local and 1.2 miles for overseas spend. Even better, those who spend S$25,000/year (about S$2,083/month) are exempt from the S$192.6 fee.


DBS Woman's World also stands out by offering access to its My Preferred Payment Plan. Under this plan, consumers can split large transactions into instalments, paying them off over time with 0% interest and no processing fees. Ultimately, DBS Woman's World is a great option for online shoppers who often make big purchases they can't fully pay for upfront.

OCBC Cashflo Card: Rebates on Instalment Payments

OCBC Cashflo Credit Card
OCBC Cashflo Credit Card
  • 1% rebate on purchases made w/ 0% interest instalment plan
  • Current Discount: Up to 14% fuel savings at Esso
  • Promotions: 23% off Best Available Rates at Dorsett Singapore with promo code OCBC (book and stay by Feb 28, 2022)
  • Use code OCBC10 to get 10% off online and in-store purchases at Epigram Books (until Jan 31, 2022)
  • Read Our Full Review
  • Annual fee: S$160.50 (waived for two years)
  • 1% flat rebate with S$1,000 minimum spend (0.5% if below), capped at S$100/mo
  • 0% Interest Instalment Plan with no processing fee, payments earn rebates
  • Trigger scheme automatically splits payments into 3- or 6-month instalments, at no extra cost
  • 1% processing fee imposed on GE premiums under 12-month instalment plan
If you're looking for a credit card that can accommodate especially large purchases, you may want to consider OCBC Cashflo Card. Cardholders can take advantage of a unique 0% interest instalment plan that automatically split transactions of a predetermined amount into instalments across 3 to 6 months. Not only are instalment payments completely interest free, there also aren't any processing fees, which can range up to 5% of the purchase price with other card plans. Even better, payments can still earn rebates through OCBC Cashflo. While some cards' plans waive fees and others reward payments, no others simultaneously provide both of these benefits. In fact, OCBC Cashflo Card is the only option on the market that allows consumers to effectively boost earnings from payments on its instalment plan.


OCBC Cashflo is best for large purchases, rather than general shopping or spending. Cardholders earn just 1% flat cashback after S$1,000 monthly spend, or 0.5% if below, which aren't particularly competitive rates. Still, the S$160.5 annual fee is waived 2 years, and then subsequently with S$10,000 annual spend. This means that those who frequently make particularly large purchases with OCBC Cashflo can not only nett positive from instalments, but also avoid annual card costs.

OCBC Cashflo Credit Card
OCBC Cashflo Credit Card
  • Stand-Out: 1% rebate on purchases made w/ 0% interest instalment plan
  • Current Petrol Discount: Up to 14% fuel savings at Esso
  • Promotions: 23% off Best Available Rates at Dorsett Singapore with promo code OCBC (book and stay by Feb 28, 2022)
  • Use code OCBC10 to get 10% off online and in-store purchases at Epigram Books (until Jan 31, 2022)
  • Read Our Full Review
  • Annual fee: S$160.50 (waived for two years)
  • 1% flat rebate with S$1,000 minimum spend (0.5% if below), capped at S$100/mo
  • 0% Interest Instalment Plan with no processing fee, payments earn rebates
  • Trigger scheme automatically splits payments into 3- or 6-month instalments, at no extra cost
  • 1% processing fee imposed on GE premiums under 12-month instalment plan
If you're looking for a credit card that can accommodate especially large purchases, you may want to consider OCBC Cashflo Card. Cardholders can take advantage of a unique 0% interest instalment plan that automatically split transactions of a predetermined amount into instalments across 3 to 6 months. Not only are instalment payments completely interest free, there also aren't any processing fees, which can range up to 5% of the purchase price with other card plans. Even better, payments can still earn rebates through OCBC Cashflo. While some cards' plans waive fees and others reward payments, no others simultaneously provide both of these benefits. In fact, OCBC Cashflo Card is the only option on the market that allows consumers to effectively boost earnings from payments on its instalment plan.


OCBC Cashflo is best for large purchases, rather than general shopping or spending. Cardholders earn just 1% flat cashback after S$1,000 monthly spend, or 0.5% if below, which aren't particularly competitive rates. Still, the S$160.5 annual fee is waived 2 years, and then subsequently with S$10,000 annual spend. This means that those who frequently make particularly large purchases with OCBC Cashflo can not only nett positive from instalments, but also avoid annual card costs.

Best Cards for Young Adults with Esso Petrol Promotions

Young drivers can enjoy discounts and rewards for daily spend with these credit cards.

OCBC Frank Card: No-Fee Online Rebates

  • 6% rebate on FX, online, and mobile purchases after just S$600 monthly spend
  • Current Discount: Up to 14% fuel savings at Esso
  • Promotions:
  • Read Our Full Review
  • Annual fee: S$80 (waived for two years)
  • Automatic annual fee waiver with min annual spend of S$10,000
  • 6% rebate on online and app spend
  • 6% rebate on mobile contactless payments (Apple Pay, Samsung Pay, Google Pay, Garmin Pay and Fitbit Pay)
  • 6% rebate on foreign currency spend
  • 0.3% cashback on all other spend
  • Monthly cashback capped at S$75
OCBC Frank Card is the best no-fee rebate card for young adults, especially those with high social and online spend. Cardholders earn 6% on their FX, online, and mobile contactless purchases (including mobile payments at petrol stations)–all after just S$600 offline minimum spend. This is quite low, given most cashback require S$800+ minimum spend. Even better, the S$80.0 fee is waived with just S$10,000 annual spend, making OCBC Frank Card both accessible and affordable–perfect for young adults.
  • Stand-Out: 6% rebate on FX, online, and mobile purchases after just S$600 monthly spend
  • Current Petrol Discount: Up to 14% fuel savings at Esso
  • Promotions:
  • Read Our Full Review
  • Annual fee: S$80 (waived for two years)
  • Automatic annual fee waiver with min annual spend of S$10,000
  • 6% rebate on online and app spend
  • 6% rebate on mobile contactless payments (Apple Pay, Samsung Pay, Google Pay, Garmin Pay and Fitbit Pay)
  • 6% rebate on foreign currency spend
  • 0.3% cashback on all other spend
  • Monthly cashback capped at S$75
OCBC Frank Card is the best no-fee rebate card for young adults, especially those with high social and online spend. Cardholders earn 6% on their FX, online, and mobile contactless purchases (including mobile payments at petrol stations)–all after just S$600 offline minimum spend. This is quite low, given most cashback require S$800+ minimum spend. Even better, the S$80.0 fee is waived with just S$10,000 annual spend, making OCBC Frank Card both accessible and affordable–perfect for young adults.

Citi SMRT Card: Rebates for Young Professionals

  • 5% everyday rebates w/S$500 min spend
  • Current Discount: Up to 14% fuel savings at Esso
  • Promotions:
  • Read Our Full Review
  • Annual fee: S$192.60 (first 2 years- waived)
  • Up to 5% SMRT$ on groceries and online spend
  • 5% SMRT$ on EZ-Link Auto Top-Up SimplyGo
  • 5% on Taxis and private-hire rides
  • Up to 14% fuel savings at Esso and Shell
  • S$600 cap on SMRT$ rebate annually.
With its high cashback rates and lack of a minimum spending requirement, Citi SMRT Card is a great option for young professionals on a budget. Cardholders earn up to 5% cashback on groceries, and 5% online. While there are merchant-restrictions, those eligible are quite popular–Starbucks, McDonald's, Cathay Cineplexes & more. Additionally, the card is EZ-Link compatible and rewards Auto Top-Ups with a 5% rebate. Overall, rewards are capped at S$50/month and the S$192.6 fee is waived for 2 years (giving young adults time to progress in their careers before having to worry about added costs). Citi SMRT Card is a great match for those looking to maximise cashback on a modest budget.
  • Stand-Out: 5% everyday rebates w/S$500 min spend
  • Current Petrol Discount: Up to 14% fuel savings at Esso
  • Promotions:
  • Read Our Full Review
  • Annual fee: S$192.60 (first 2 years- waived)
  • Up to 5% SMRT$ on groceries and online spend
  • 5% SMRT$ on EZ-Link Auto Top-Up SimplyGo
  • 5% on Taxis and private-hire rides
  • Up to 14% fuel savings at Esso and Shell
  • S$600 cap on SMRT$ rebate annually.
With its high cashback rates and lack of a minimum spending requirement, Citi SMRT Card s a great option for young professionals on a budget. Cardholders earn up to 5% cashback on groceries, and 5% online. While there are merchant-restrictions, those eligible are quite popular–Starbucks, McDonald's, Cathay Cineplexes & more. Additionally, the card is EZ-Link compatible and rewards Auto Top-Ups with a 5% rebate. Overall, rewards are capped at S$50/month and the S$192.6 fee is waived for 2 years (giving young adults time to progress in their careers before having to worry about added costs). Citi SMRT Card is a great match for those looking to maximise cashback on a modest budget.

Best Petrol Credit Card for Esso Loyalists

If you're an Esso loyalist looking specifically for a petrol card, consider the option below.

DBS Esso Platinum Card: Petrol Discounts & Vouchers

DBS Esso Card
DBS Esso Card
  • Top discounts & savings on Synergy fuel at Esso
  • Current Discount: Up to 23.6% fuel savings at Esso
  • Promotions:
  • Read Our Full Review
  • Annual fee: S$192.60
  • Up to 21.2% fuel savings
  • 2.4% Smiles savings
  • Earn Bonus 3 Smiles Points on Spend outisde of Esso
  • 0% Interest-Free Instalment Payment Plan for Motor Insurance and Road Tax
If you're an Esso loyalist seeking a card that explicitly rewards petrol spend, DBS Esso Card may be the best option for you. Cardholders can earn up to 21.2% fuel savings at Esso, plus an additional 2.2% savings after purchasing 250 litres of Synergy fuel. This discount is made up of a 5% on-site discount and 5% Esso Smiles loyalty programme discount (cardholders sign up with Esso), plus a 7% rebate specifically through DBS Esso Card. After S$200 nett fuel spend is reached, cardholders receive another S$10 off, which is effectively equal to up to a 4.1% discount as well.


DBS Esso Card primarily rewards Esso spend. Every 1 litre of Synergy fuel purchased earns 1 rewards point, and 300 points can be redeemed for a S$10 voucher for Synergy fuel. All non-Esso spend earns just 0.1 points per S$1, which is ultimately neglible. As a result, cardholders should consider DBS Esso Card as a supplement to their everyday credit cards, to be used only when filling up. Still, there's a S$85.6 annual fee, though it is waived for the 1st year.

DBS Esso Card
DBS Esso Card
  • Stand-Out: Top discounts & savings on Synergy fuel at Esso
  • Up to 21.2% fuel savings at Esso
  • Current Petrol Discount: Up to 23.6% fuel savings at Esso
  • Promotions:
  • Read Our Full Review
  • Annual fee: S$192.60
  • Up to 21.2% fuel savings
  • 2.4% Smiles savings
  • Earn Bonus 3 Smiles Points on Spend outisde of Esso
  • 0% Interest-Free Instalment Payment Plan for Motor Insurance and Road Tax
If you're an Esso loyalist seeking a card that explicitly rewards petrol spend, DBS Esso Card may be the best option for you. Cardholders can earn up to 21.2% fuel savings at Esso, plus an additional 2.2% savings after purchasing 250 litres of Synergy fuel. This discount is made up of a 5% on-site discount and 5% Esso Smiles loyalty programme discount (cardholders sign up with Esso), plus a 7% rebate specifically through DBS Esso Card. After S$200 nett fuel spend is reached, cardholders receive another S$10 off, which is effectively equal to up to a 4.1% discount as well.


DBS Esso Card primarily rewards Esso spend. Every 1 litre of Synergy fuel purchased earns 1 rewards point, and 300 points can be redeemed for a S$10 voucher for Synergy fuel. All non-Esso spend earns just 0.1 points per S$1, which is ultimately neglible. As a result, cardholders should consider DBS Esso Card as a supplement to their everyday credit cards, to be used only when filling up. Still, there's a S$85.6 annual fee, though it is waived for the 1st year.

Learn More About How to Find the Best Credit Card for You

Zoryana Melesh

Zoryana is a Senior Research Analyst at ValueChampion, who focuses on evaluating credit cards, savings and fixed deposits in Singapore. She holds a BA in Political Science and an MPA in International Finance and Economic Policy, both from Columbia University. Prior to joining ValueChampion, Zoryana worked in treasury management consulting.