Finest Petrol Credit score Card for Esso Petrol Reductions in Singapore (2020)

With Esso having probably the most branches in Singapore, discovering a very good card to benefit from our Esso visits is vital.

Fortunately, there are fairly a couple of Esso bank cards in Singapore combating for purchasers, which suggests the petrol reductions are fairly beneficiant.

Whereas DBS Esso Card nonetheless reigns high for its onsite reductions, there are a couple of different playing cards you may contemplate:

Finest Esso petrol bank cards in Singapore (2020)

	DBS Esso Card	OCBC 365 Card	Citi Money Again Card
Station Low cost	5%	5%	5%
Loyalty Card Low cost (Esso Smiles)	5%	5%	5%
Card Low cost	8%	4%	4%
Card Rebate (applies in any case reductions)	$7 (min. $180 gas spend per calendar month)	4.3% (min. spend $600/month)	8% (min. spend $888/month)
Further card rebate	As much as 2.4% for Smiles members when 250 litres of Synergy gas is bought inside a calendar month	2.1%	–
Complete Low cost	21.1%	20.4%	20.88%

Finest for whole financial savings – Citi Money Again Card

There are a lot of causes to get the Citi Money Again Card, whether or not you’re searching for petrol reductions at Esso, commute principally by Seize or just eat loads.

However since we’re right here to speak about petrol reductions, this card additionally will get you as much as 20.88% off your petrol at Esso.

Along with the station low cost of 5% and loyalty low cost of 5% that any buyer can obtain, the Citi Money Again Card will get you a further 4% low cost while you pay on the cashier.

When your assertion arrives on the finish of the month, you’ll get an extra 8% money rebate in your petrol spending, supplied you meet their minimal month-to-month spending requirement of $888.

$888 may sound prefer it’s on the excessive aspect for a petroleum bank card, nevertheless it’s actually not when you think about the truth that the cardboard additionally will get you 8% rebates on Seize rides, groceries and eating.

The one troublesome half is that you’re entitled to as much as $25 money rebates in every class (petrol, Seize, eating, groceries). However which means you benefit from the most rewards for as much as $312.50 price of petrol, which is greater than sufficient except you’re a Seize driver or one thing. For those who often spend greater than $312.50 in your petrol, contemplate OCBC 365 bank card.

Right here’s how a lot you’ll spend on $200 price of petrol with the Citi Money Again Card relying in your spending:

Month-to-month expenditure	$1000	$300
Station low cost	5%	5%
Esso Smiles loyalty card low cost	5%	5%
Citi Money Again card low cost	4%	4%
$200 of petrol after low cost	$172	$172
Further cashback rebate	8% ($13.76)	0% ($0)
Complete financial savings	20.88%	14%

Finest for fast reductions at Esso – DBS Esso Card

Cashback Cap per 30 days

^S$80

Min. Spend per 30 days

^S$800

Learn MoreMore Particulars

Key Options

6% cashback on on a regular basis eating (together with native, abroad and on-line meals supply)
3% cashback on grocery, land transport, on-line journey, recurring telco and electrical energy payments
0.3% cashback on all the things else
As much as S$200,000 of complimentary journey private accident insurance coverage
2 years charge waiver for principal card (S$192.60), subsequent years waived with min. spend of S$10,000 p.a.

See all card particulars

For many drivers, Singapore is simply too small to ever must spend greater than $300 or $400 a month on petrol.

However what should you’re a Seize/Uber/taxi driver, go on highway journeys to Malaysia on daily basis, have a gross sales job that requires you to run round loads, or are unfortunate sufficient to work in Changi whereas dwelling in Jurong West (and no method are you braving public transport for 3 hours a day)?

Most petrol bank cards impose a cap on the amount of money again you may obtain in a month, so for petrol guzzlers, it’s vital to decide on a card that can have the ability to reward you for as a lot of your consumption as attainable.

That’s the place the OCBC 365 turns out to be useful. The cardboard will get you as much as 20.4% gas financial savings at Esso stations (by the best way, it additionally will get you even higher reductions at Caltex, so should you occur to have a Caltex station close by, it is perhaps well worth the change).

However extra importantly, the month-to-month cashback cap is a really excessive at $80 per 30 days.

The way it works is that you just get a 14% upfront low cost while you pay due to the station low cost, Esso Smiles loyalty low cost and your OCBC 365 on-site low cost.

You then obtain 4.3% (cashback on the remaining quantity while you obtain your account assertion on the finish of the month, as long as you’ve gotten spent not less than $800 in a calendar month. Till 30 June 2019, you additionally obtain a further 2.1% rebate on gross gas spend, primarily based on a rebate of $5 for at least $200 nett Esso gas spend throughout the promotion interval. Your whole petrol low cost will likely be 20.4%.

For those who’re the form of one who has to pump that a lot petrol, assembly the $800 minimal spending requirement received’t be an issue, particularly as you additionally obtain 3% cashback on weekday and abroad eating, groceries, telco payments and on-line procuring, in addition to 6% on native weekend eating.

Right here’s how a lot you’ll spend on $200 price of petrol with the OCBC 365 card relying in your spending:

Month-to-month expenditure	$800	$300
Station low cost	5%	5%
Esso Smiles loyalty card low cost	5%	5%
OCBC 365 card low cost	4%	4%
$200 of petrol after low cost	$172	$172
Further cashback rebate	4.3% ($7.40)	0% ($0)
OCBC 365 further rebate	2.1% ($3.61)	2.1% (3.61)
Complete financial savings	19.5%	15.8%