Which credit card is best for Esso?

The best credit cards for Esso fuel are the Citi Cash Back Card and DBS Esso Card. Both cards are considered good all-rounded credit cards. To choose, simply look at the minimum spend requirement and the categories you get rewarded for. Citi Cash Back Card may have a higher minimum spend, but it offers 8% cash back on your nett fuel spend, while the DBS Esso Card has a much lower minimum spend and you get rewarded with Smile Points that can be redeemed for other rewards.

How do I get an Esso point card?

The Esso point card is branded Esso Smiles Loyalty Card. You can get a loyalty card at any Esso petrol station. Your Esso Smile Points never expire as long as you pump once a year.

How many Esso points is a dollar?

In Singapore, pumping 1 litre of Synergy fuel gives you 1 Esso Smiles point. Esso Smiles can be converted to fuel savings at the rate of 300 Smiles Points for $10 worth of Synergy fuel or 750 Smiles Points for $30 worth of Synergy fuel, which is equivalent to about 1.7% fuel savings. Based on this conversion, 30 to 25 Esso points = $1, but it's better to think in terms of conversion blocks of 300 or 750. Before accumulating points, you need to register your Esso Smiles card.

Esso Petrol Credit Card Discounts (2025)

For drivers, a credit card that offers petrol discounts is practically a must. If the nearest station near you is an Esso one, you need to get one that offers Esso promotions and discounts. Here are the top credit cards that give you Esso discounts.

Best Credit Cards For Esso Petrol Station Discounts

Here are the best cards to apply if you frequently pump petrol at Esso.

Which Esso petrol credit card should you go for?

Good for everyday expenditure
OCBC 365 Card
Biggest savings
Citi Cash Back Card

Ways To Maximise Your Esso Credit Card Benefits in Singapore

To make the most of your Esso credit card, there are some strategies worth considering:

1. Leverage Esso Smiles

Pump Synergy fuel so that you can earn more Esso Smiles points by using Synergy fuel.
Achieve a 35% bonus on Esso Smiles points by pumping over 250 litres of Synergy fuel monthly.
Redeem your points for fuel discounts or other rewards.

2. Choose a co-branded card that is specific to Esso only

The DBS Esso card is one example of such a card that caters specifically to the preferences of car owners and drivers who refuel their vehicles at Esso stations. Due to the co-branding, you'll be eligible for greater perks such as the one-time conversion of your Esso Smiles points to Asia Miles or KrisFlyer miles as long as you are a member of these programmes.

3. Optimize your spending

Consolidate fuel purchases whenever you refuel your vehicle at Esso to maximise points and discounts.
Consider options like hybrid or electric vehicles for long-term savings.
Pay on time so as to avoid late fees and interest charges to preserve your credit score.

Exclusive: Most Popular Credit Cards in Singapore

MoneySmart has helped over 3 million users find the best credit cards in the market. Curious to know what people searched for? Find out in this members-only report and get insights on which card you can apply for next! Plus, try out our personality quiz to find which card matches your taste!

Frequently Asked Questions

Which credit card is best for Esso?: The best credit cards for Esso fuel are the Citi Cash Back Card and DBS Esso Card. Both cards are considered good all-rounded credit cards. To choose, simply look at the minimum spend requirement and the categories you get rewarded for. Citi Cash Back Card may have a higher minimum spend, but it offers 8% cash back on your nett fuel spend, while the DBS Esso Card has a much lower minimum spend and you get rewarded with Smile Points that can be redeemed for other rewards.
How do I get an Esso point card?: The Esso point card is branded Esso Smiles Loyalty Card. You can get a loyalty card at any Esso petrol station. Your Esso Smile Points never expire as long as you pump once a year.
How many Esso points is a dollar?: In Singapore, pumping 1 litre of Synergy fuel gives you 1 Esso Smiles point. Esso Smiles can be converted to fuel savings at the rate of 300 Smiles Points for $10 worth of Synergy fuel or 750 Smiles Points for $30 worth of Synergy fuel, which is equivalent to about 1.7% fuel savings. Based on this conversion, 30 to 25 Esso points = $1, but it's better to think in terms of conversion blocks of 300 or 750. Before accumulating points, you need to register your Esso Smiles card.