Best Credit Cards with Esso Promotions 2020

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: Up to 21,000 welcome & 10,000 renewal miles (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% discount on food & petrol (Up to 20.88% fuel savings at Esso)
  • POSB Everyday: Top promotional rates on daily essentials (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: Rebates on essentials with easy fee-waiver (Up to 20.40% 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: Everyday rebates + no minimum spend requirement (Up to 14% fuel savings at Esso)
Best Credit Card for Esso Loyalists
  • DBS Esso: Discounts, rewards & vouchers for fuel (Up to 21.2% 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 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

  • Free lounge access & golf privileges, waivable fee
  • Current Discount: Up to 14% fuel savings at Esso
  • Promotions: Choose between free AirPods w/ Charging Case (worth S$239) OR 38k miles w/ S$2k spend in 1st 60 days
  • Receive 8% off online shopping by reaching monthly Personalised Spend Goal online (rewards capped at S$16-S$120/mo)
  • Read Our Full Review
  • Annual fee: S$192.6, 1-year waiver, subsequently with S$25,000 annual spend
  • Alternative: 10,000 bonus miles w/ payment of annual fee
  • 1.2 miles per S$1 locally, 2 miles overseas, 3 miles for online travel bookings
  • 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.
  • Stand-Out: Free lounge access & golf privileges, waivable fee
  • Current Petrol Discount: Up to 14% fuel savings at Esso
  • Promotions: Choose between free AirPods w/ Charging Case (worth S$239) OR 38k miles w/ S$2k spend in 1st 60 days
  • Receive 8% off online shopping by reaching monthly Personalised Spend Goal online (rewards capped at S$16-S$120/mo)
  • Read Our Full Review
  • Annual fee: S$192.6, 1-year waiver, subsequently with S$25,000 annual spend
  • Alternative: 10,000 bonus miles w/ payment of annual fee
  • 1.2 miles per S$1 locally, 2 miles overseas, 3 miles for online travel bookings
  • 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: Free S$200 cash via PayNow (new customers) via our partnership with SGSaver
  • S$30 cash via PayNow (existing customers)
  • Additional 26,500 bonus miles w/ 1st annual fee payment & S$9k spend within 3 months (or 6,4000 miles with 1st year annual fee waiver with S$3k spend within 3 months)
  • Read Our Full Review
  • Annual fee: S$192.6, 1-year waiver
  • 10,000 bonus annual renewal miles (worth S$100)
  • 1.2 miles per S$1 local spend, 2 miles overseas
  • Miles earned never expire
  • 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 10k 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: Free S$200 cash via PayNow (new customers) via our partnership with SGSaver
  • S$30 cash via PayNow (existing customers)
  • Additional 26,500 bonus miles w/ 1st annual fee payment & S$9k spend within 3 months (or 6,4000 miles with 1st year annual fee waiver with S$3k spend within 3 months)
  • Read Our Full Review
  • Annual fee: S$192.6, 1-year waiver
  • 10,000 bonus annual renewal miles (worth S$100)
  • 1.2 miles per S$1 local spend, 2 miles overseas
  • Miles earned never expire
  • 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 10k 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

  • Earn unlimited cashback & miles, no conversion fees
  • Promotions: Up to 10% off Expedia bookings
  • Read Our Full Review
  • Annual fee: S$192.6, 1-year waiver
  • Renewal bonus: 10,000 Travel$ (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.

  • Stand-Out: Earn unlimited cashback & miles, no conversion fees
  • Promotions: Up to 10% off Expedia bookings
  • Read Our Full Review
  • Annual fee: S$192.6, 1-year waiver
  • Renewal bonus: 10,000 Travel$ (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 global dining, groceries & petrol
  • Current Discount: Up to 20.88% fuel savings at Esso
  • Promotions: Free S$200 cash via PayNow (new customers) via our partnership with SGSaver
  • S$30 cash via PayNow (existing customers)
  • Read Our Full Review
  • Annual fee: S$192.6, 1-year waiver
  • 8% cashback on dining, grocery, & petrol (any station)
  • Up to 20.88% fuel savings at Esso & Shell
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$888 minimum spend, and rewards are capped at S$25/category (up to S$75/month). This means consumers can max out earnings by spending just S$313 on each, and can ultimately earn up to S$900/year. 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.
  • Stand-Out: Up to 8% rebate on global dining, groceries & petrol
  • Current Petrol Discount: Up to 20.88% fuel savings at Esso
  • Promotions: Free S$200 cash via PayNow (new customers) via our partnership with SGSaver
  • S$30 cash via PayNow (existing customers)
  • Read Our Full Review
  • Annual fee: S$192.6, 1-year waiver
  • 8% cashback on dining, grocery, & petrol (any station)
  • Up to 20.88% fuel savings at Esso & Shell
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$888 minimum spend, and rewards are capped at S$25/category (up to S$75/month). This means consumers can max out earnings by spending just S$313 on each, and can ultimately earn up to S$900/year. 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

  • Promotional rebates of up to 15% in key spend categories
  • Current Discount: Up to 14% fuel savings at Esso
  • Promotions: Choose between free AirPods w/ Charging Case (worth S$239) OR S$200 cashback w/ S$2k spend in 1st 60 days
  • Receive 8% off online shopping by reaching monthly Personalised Spend Goal online (rewards capped at S$16-S$120/mo)
  • Read Our Full Review
  • Annual fee: S$192.6, 1-year waiver
  • 15% rebate on online food delivery, 5% dining, 5% groceries at Sheng Siong
  • 15% rebate with select merchants for parking & public transit
  • 5% rebate on select taxis & ride-hailing services
  • 3% rebate on personal care at Watsons
  • 1% rebate on recurring bills with select merchants (capped at S$1/month)
  • SimplyGo/ABT capabilities for public transit fares
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 15%–on key categories like online food delivery & catering, groceries, dining, transport & parking, 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, Gojek & more). Finally, while there's a S$192.6 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: Promotional rebates of up to 15% in key spend categories
  • Current Petrol Discount: Up to 14% fuel savings at Esso
  • Promotions: Choose between free AirPods w/ Charging Case (worth S$239) OR S$200 cashback w/ S$2k spend in 1st 60 days
  • Receive 8% off online shopping by reaching monthly Personalised Spend Goal online (rewards capped at S$16-S$120/mo)
  • Read Our Full Review
  • Annual fee: S$192.6, 1-year waiver
  • 15% rebate on online food delivery, 5% dining, 5% groceries at Sheng Siong
  • 15% rebate with select merchants for parking & public transit
  • 5% rebate on select taxis & ride-hailing services
  • 3% rebate on personal care at Watsons
  • 1% rebate on recurring bills with select merchants (capped at S$1/month)
  • SimplyGo/ABT capabilities for public transit fares
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 15%–on key categories like online food delivery & catering, groceries, dining, transport & parking, 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, Gojek & more). Finally, while there's a S$192.6 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

  • Up to 5% rebates on online & contactless spend
  • Current Discount: Up to 14% fuel savings at Esso
  • Promotions: Choose between free AirPods w/ Charging Case (worth S$239) OR S$200 cashback w/ S$2k spend in 1st 60 days
  • Receive 8% off online shopping by reaching monthly Personalised Spend Goal online (rewards capped at S$16-S$120/mo)
  • Read Our Full Review
  • Annual fee: S$128.4, 1-year waiver
  • 5% rebate on online spend & contactless purchases
  • All-in-one card with SimplyGo functionality
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$128.4 fee is lower than the S$192.6 market norm, and is waived the 1st year.
  • Stand-Out: Up to 5% rebates on online & contactless spend
  • Current Petrol Discount: Up to 14% fuel savings at Esso
  • Promotions: Choose between free AirPods w/ Charging Case (worth S$239) OR S$200 cashback w/ S$2k spend in 1st 60 days
  • Receive 8% off online shopping by reaching monthly Personalised Spend Goal online (rewards capped at S$16-S$120/mo)
  • Read Our Full Review
  • Annual fee: S$128.4, 1-year waiver
  • 5% rebate on online spend & contactless purchases
  • All-in-one card with SimplyGo
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$128.4 fee is lower than the S$192.6 market norm, and 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

  • Up to 6% rebate on dining, groceries, transport & more
  • Current Discount: Up to 20.40% fuel savings at Esso
  • Promotions: Free S$100 cash via PayNow (new customers) via our partnership with SGSaver
  • Free S$50 cash w/ S$300 min. spend in 1st mo
  • Boost to 6% cashback on groceries & at convenience stores
  • Read Our Full Review
  • Annual fee: S$192.6, 2-year waiver, subsequently with S$10,000 annual spend
  • 6% rebate on dining & online food delivery
  • 3% rebate on groceries, land transport, recurring bills & online travel
  • Up to 23% fuel savings with Caltex, 20.4% with Esso, 5% other stations
  • Free travel insurance, 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: Up to 6% rebate on dining, groceries, transport & more
  • Current Petrol Discount: Up to 20.40% fuel savings at Esso
  • Promotions: Free S$100 cash via PayNow (new customers) via our partnership with SGSaver
  • Free S$50 cash w/ S$300 min. spend in 1st mo
  • Boost to 6% cashback on groceries & at convenience stores
  • Read Our Full Review
  • Annual fee: S$192.6, 2-year waiver, subsequently with S$10,000 annual spend
  • 6% rebate on dining & online food delivery
  • 3% rebate on groceries, land transport, recurring bills & online travel
  • Up to 23% fuel savings with Caltex, 20.4% with Esso, 5% other stations
  • Free travel insurance, 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: Free S$200 cash via PayNow (new customers) via our partnership with SGSaver
  • S$30 cash via PayNow (existing customers)
  • Read Our Full Review
  • Annual fee: S$192.6, 1-year waiver
  • 4 miles (10pts) per S$1 fashion retail spend
  • 4 miles (10pts) per S$1 online (inc. food delivery & ride-hailing services)
  • 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: Free S$200 cash via PayNow (new customers) via our partnership with SGSaver
  • S$30 cash via PayNow (existing customers)
  • Read Our Full Review
  • Annual fee: S$192.6, 1-year waiver
  • 4 miles (10pts) per S$1 fashion retail spend
  • 4 miles (10pts) per S$1 online (inc. food delivery & ride-hailing services)
  • 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: Free S$100 cash via PayNow (new customers) via our partnership with SGSaver
  • Free S$50 Grabfood vouchers w/ S$300 min. spend in 1st mo
  • 2% cash rebate at BEST Denki
  • Read Our Full Review
  • Annual fee: S$192.6, 2-year waiver, subsequently w/ S$10k annual spend
  • 10 Pts (4 miles) per S$1 spend on fashion retail & select merchants
  • Discounted airport lounge & JetQuay Quayside access
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: Free S$100 cash via PayNow (new customers) via our partnership with SGSaver
  • Free S$50 Grabfood vouchers w/ S$300 min. spend in 1st mo
  • 2% cash rebate at BEST Denki
  • Read Our Full Review
  • Annual fee: S$192.6, 2-year waiver, subsequently w/ S$10k annual spend
  • 10 Pts (4 miles) per S$1 spend on fashion retail & select merchants
  • Discounted airport lounge & JetQuay Quayside access
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

  • Up to 4 miles/S$1 spend on online shopping
  • Current Discount: Up to 14% fuel savings at Esso
  • Promotions: Choose between free AirPods w/ Charging Case (worth S$239) OR S$200 cashback w/ S$2k spend in 1st 60 days
  • Receive 8% off online shopping by reaching monthly Personalised Spend Goal online (rewards capped at S$16-S$120/mo)
  • Read Our Full Review
  • Annual fee: S$192.6, 1-year waiver, subsequently with S$25,000 annual spend
  • 4 miles per S$1 spend on online shopping
  • DBS My Preferred Payment Plan (0% interest instalments)
  • Hertz Gold Plus Rewards membership & access to Quayside
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.

  • Stand-Out: Up to 4 miles/S$1 spend on online shopping
  • Current Petrol Discount: Up to 14% fuel savings at Esso
  • Promotions: Choose between free AirPods w/ Charging Case (worth S$239) OR S$200 cashback w/ S$2k spend in 1st 60 days
  • Receive 8% off online shopping by reaching monthly Personalised Spend Goal online (rewards capped at S$16-S$120/mo)
  • Read Our Full Review
  • Annual fee: S$192.6, 1-year waiver, subsequently with S$25,000 annual spend
  • 4 miles per S$1 spend on online shopping
  • DBS My Preferred Payment Plan (0% interest instalments)
  • Hertz Gold Plus Rewards membership & access to Quayside
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

  • 1% rebate on purchases made w/ 0% interest instalment plan
  • Current Discount: Up to 14% fuel savings at Esso
  • Promotions: Receive & use card instantly when you apply via MyInfo
  • Up to 55% off single trip travel insurance
  • Read Our Full Review
  • Annual fee: S$160.5, 2-year waiver, subsequently with S$10,000 annual spend
  • 1% flat rebate with S$1,000 minimum spend (0.5% if below)
  • 0% Interest Instalment Plan with no processing fee, payments earn rebates
  • Trigger scheme automatically splits payments at specified threshold
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.

  • Stand-Out: 1% rebate on purchases made w/ 0% interest instalment plan
  • Current Petrol Discount: Up to 14% fuel savings at Esso
  • Promotions: Receive & use card instantly when you apply via MyInfo
  • Up to 55% off single trip travel insurance
  • Read Our Full Review
  • Annual fee: S$160.5, 2-year waiver, subsequently with S$10,000 annual spend
  • 1% flat rebate with S$1,000 minimum spend (0.5% if below)
  • 0% Interest Instalment Plan with no processing fee, payments earn rebates
  • Trigger scheme automatically splits payments at specified threshold
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

  • Up to 6% rebate online after just S$400 offline spend
  • Current Discount: Up to 14% fuel savings at Esso
  • Promotions: Receive & use card instantly when you apply via MyInfo
  • Read Our Full Review
  • Annual fee: S$80.0, 2-year waiver, subsequently with S$10,000 annual spend
  • 6% rebate on online spend
  • 5% weekend rebate on local entertainment & select cafes (3% weekdays)
OCBC Frank Card is the best no-fee rebate card for young adults, especially those with high social and online spend. Cardholders ean 6% cashback on online shopping and 5% on weekend entertainment & at select cafes (3% on weekdays)–all after just S$400 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 social young adults.
  • Stand-Out: Up to 6% rebate online after just S$400 offline spend
  • Current Petrol Discount: Up to 14% fuel savings at Esso
  • Promotions: Receive & use card instantly when you apply via MyInfo
  • Read Our Full Review
  • Annual fee: S$80.0, 2-year waiver, subsequently with S$10,000 annual spend
  • 6% rebate on online spend
  • 5% weekend rebate on local entertainment & select cafes (3% weekdays)
OCBC Frank Card is the best no-fee rebate card for young adults, especially those with high social and online spend. Cardholders ean 6% cashback on online shopping and 5% on weekend entertainment & at select cafes (3% on weekdays)–all after just S$400 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 social young adults.

Citi SMRT Card: Rebates for Young Professionals

  • Rebates w/ popular merchants, 2% on Auto Top-Ups
  • Current Discount: Up to 14% fuel savings at Esso
  • Promotions: Receive up to S$120 cashback with S$1.2k min. spend in 1st 3mo
  • Read Our Full Review
  • Annual fee: S$192.6, 2-year waiver
  • Up to 7% rebate on groceries, 5% on fast food, movies & coffee
  • 3% online shopping, 2% on health & wellness
  • EZ-Reload functionality with 2% rebate on Auto Top-Ups
  • SimplyGo/ABT compatible
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 7% cashback on groceries, 5% on coffee, movies & fast food, 3% online, and 2% for personal care. 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 2% 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: Rebates w/ popular merchants, 2% on Auto Top-Ups
  • Current Petrol Discount: Up to 14% fuel savings at Esso
  • Promotions: Receive up to S$120 cashback with S$1.2k min. spend in 1st 3mo
  • Read Our Full Review
  • Annual fee: S$192.6, 2-year waiver
  • Up to 7% rebate on groceries, 5% on fast food, movies & coffee
  • 3% online shopping, 2% on health & wellness
  • EZ-Reload functionality with 2% rebate on Auto Top-Ups
  • SimplyGo/ABT compatible
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 7% cashback on groceries, 5% on coffee, movies & fast food, 3% online, and 2% for personal care. 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 2% 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 Platinum Card
DBS Esso Platinum Card
  • Top discounts & savings on Synergy fuel at Esso
  • Current Discount: Up to 21.2% fuel savings at Esso
  • Promotions: Up to S$120 fuel savings with min. S$200 nett fuel spend at Esso per month, for 3 months
  • Read Our Full Review
  • Up to 21.2% fuel savings at Esso
  • Annual fee: S$85.6, 1-year waiver
  • Up to 21.1% fuel savings at Esso (+2.2% with purchase of 250 litres Synergy fuel)
  • Auto-enrolment into Esso Smiles Driver Rewards Programme
  • 0% interest, no-fee instalment plan for motor insurance & 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 Platinum Card
DBS Esso Platinum Card
  • Stand-Out: Top discounts & savings on Synergy fuel at Esso
  • Up to 21.2% fuel savings at Esso
  • Current Petrol Discount: Up to 21.2% fuel savings at Esso
  • Promotions: Up to S$120 fuel savings with min. S$200 nett fuel spend at Esso per month, for 3 months
  • Read Our Full Review
  • Annual fee: S$85.6, 1-year waiver
  • Up to 21.1% fuel savings at Esso (+2.2% with purchase of 250 litres Synergy fuel)
  • Auto-enrolment into Esso Smiles Driver Rewards Programme
  • 0% interest, no-fee instalment plan for motor insurance & 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

Carrie Arndt

Carrie is a Senior Analyst at ValueChampion, specialising in credit cards in Singapore. She previously led consumer studies worldwide as a Senior Research Executive at MMR Research.

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