Credit Card Compare

DBS Esso Mastercard Card

Data last updated 23 October 2026
27.80%
Purchase rate
S$0
Annual fee
25 days
Interest-free
Application

CardIQ

35Basic

Basic

Overall score, out of 100 · How this works

  • No annual fee42
  • Rewards28

Customer reviews

No reviews yet. Be the first to review the DBS Esso Mastercard Card.

Pros & cons

What's good

  • The 27.8% p.a. purchase rate is among the lowest ongoing purchase rates (the median card charges 27.9% p.a.).
  • No annual fee.

Worth noting

  • The annual fee increases from S$0 to S$196 in the second year.
  • Earns 1 point per S$1 on everyday spend, around the dataset average.
  • No balance transfer or introductory purchase offer.

Card details

The basics

Additional cardholder fee
S$98.10 p.a.
Card tier
Platinum
Card type
Mastercard
Card use
Personal
Credit limit
Not published
Credit rating
Not published
Rewards program
Esso Smiles Driver Rewards

Eligibility

Instant approval
Not published
Joint application
Not published
Minimum age
21 years old
Minimum income
S$30,000 p.a.
Residency
Singaporeans/PR and Foreigners
Temporary residents
Not published

Rates & fees

Ongoing interest rates

Cash advances
28.50% p.a.
Purchases
27.80% p.a.

Fees

Additional cardholder fee
S$98.10
Annual fee
No annual fee
Annual fee (year 2+)
S$196.20 p.a.
Cash advance fee
8% of the amount
Foreign transaction fee
3.25%
Late payment fee
S$100
Over limit fee
S$40

Repayments

Interest-free period
Up to 25 days on purchases
Minimum repayment
3% of the statement balance (or S$50, whichever is greater) plus any amount that is overdue and/or exceeds your credit limit.

Balance transfers

This card has no promotional balance transfer offer. To move existing debt to a lower rate, compare balance transfer cards.

Introductory purchase offer

This card has no introductory purchase rate offer. If you're carrying a balance or planning a big spend, compare 0% purchase cards.

Rewards

Earn rate

Everyday spend
None
Bonus categories
None
Other purchases
None
Overseas spend
None
Reduced rate above monthly cap
None
Points cap
Uncapped
Points expiry
Smiles Points expire if no Esso station transactions earning Smiles Points are made within 12 months from the date the last points were awarded.

Sign-up bonus

Bonus spend required
—
Sign-up bonus
—

Where this card sits vs similar cards

Compared with every other personal credit card we list that has the feature. The further right the dot, the better this card does.

Interest-free days25 daysTied for best (1st of 17 cards)
Purchase rate27.80%Top 25% (3rd of 19 cards)
Annual feeS$196 a yearBetter than most (6th of 19 cards)
Overseas fee3.25%Better than most (6th of 19 cards)

Data as at October 2026. Rates change often, so check the issuer's terms. Factual information, not a recommendation.

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Sources

Credit Card Compare
How CardIQ scores cards
Issuer
DBS