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    DBS Esso Mastercard For Saving More While Spending On Petrol: Yet to Get Reviews

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    DBS Bank in Singapore has collaborated with Esso, the fuel giant, to bring out this card for fuel purchases. The highlights are:

    • Up to 21.6% discount on petrol purchases.
    • Automatic enrolment in the Esso Smiles Driver Rewards Programme.
    • Quick payment for fuel at Esso using the Pay-at-the-Pump system.

    Best suited to: Save money on petrol.

    Key Features & Benefits

    Feauture Description
    Annual Fee S$85.60 (waived for the first year)
    Instant petrol discount 17% comprising:
    • 5% Esso spot discount
    • 5% Smiles member discount
    • 7% DBS Esso Card discount
    Rewards points at Esso 1 Smiles Point per litre of Synergy fuel
    Rewards points on all other retail spends 1 Smiles Point per S$10
    Complimentary travel insurance Not available

    Additional Benefits?

    • There are many promotions available to the cardholders from time to time, mostly involving cashback or benefits on fuel purchase.
    • Pay your vehicle insurance premiums and road tax in instalments at 0% interest.

    Earn Rewards While Spending at Esso

    Earn Smiles Points in addition to the instant fuel discounts. Let’s take a look at how that works:

    • Become an Esso Smiles Driver Rewards programme member automatically with the DBS Esso Card.
    • Get 1 Smiles Point for every litre of Synergy fuel you buy from Esso.
    • Get 1 Smiles Point on every S$10 spent on non-Esso purchases.
    • Make at least one qualifying purchase every 12 months to keep the Smiles Points active.
    • The points earned through a purchase will be credited only 90 days after the end of the month in which it was made.

    Let Us Illustrate:

    Suppose your card spends for a month look like the table below, and the price of 1 litre of Synergy fuel is S$2.21. The table below shows the number of points earned per category:

    Spend category Monthly spend Points earned Fuel Discount
    Fuel from Esso (50 litres) S$110 50 S$18.70
    Other retail spends S$1,200 120
    Total S$1,310 170 S$18.70

    Redeem Earned Reward Points

    • The easiest way to redeem Smiles Points is to convert them to fuel vouchers. The redemption rates are:
      • 300 Smiles Points will give you Synergy fuel worth S$10
      • 750 Smiles Points will give you Synergy fuel worth S$30
    • Combine your Smiles Point with someone to enjoy a higher redemption value. Do the following:
      • Fill out the Smiles Redemption Form for both of you.
      • Mention the total number of Smiles Points in your possession.
      • Sign the form.
    • The redemption of rewards will take 3 weeks to be processed and the conversion of Smiles Points will take 6 weeks.

    The Smiles Points earned can also be used in other loyalty programmes. There are two ways to do this:

    • Go for auto-conversion. Here, you choose one loyalty programme, and let the Smiles Points be automatically converted into that account.
    • Go for flexi-conversion or ad-hoc requests. Under this plan, you can choose the number of set points you want to convert into a particular loyalty programme. Make a request for a redemption each time you want to convert points.

    Smiles Points can be converted to loyalty points of the following partners:

    • KrisFlyer: Redeem for flight and class upgrades, and award tickets on Singapore Airlines, SilkAir and their other airline partners.
    • Asia Miles: Redeem for tickets and upgrades on partner airlines such as Cathay Pacific, British Airways and Dragonair.

    Interest Rate

    Type of interest Charge
    Retail Purchases 25.90% p.a.
    Cash Advance 28% p.a.
    Instalment Payment Plan 0%

    Other Fees & Charges

    Type of charge Charge
    Overseas Transaction Fee 2.8% comprising 1% charged by Mastercard and 1.8% admin fee charged by the bank
    Late Payment Fee S$100 for bill dues above S$50
    Over-limit Fee S$40
    Cash Advance Fee 6% of the amount taken (minimum S$15)
    Supplementary Card Annual Fee S$42.80

    Activating the Card for Overseas Use

    Many countries outside Singapore still rely on non-EMV POS terminals for retail transactions. To use your card at such terminals, the magnetic stripe of your card has to be activated, which by default, is in the deactivated state.

    Activate the magnetic stripe on the back of your card by using the following channels:

    • SMS Banking
    • iBanking
    • digibank
    • DBS or POSB ATMs in Singapore

    Instalment Payment Plans

    • Pay for vehicle insurance premiums and road tax with a unique 0% interest-free Instalment Payment Plan offered by your card.
    • No processing fee will be charged on this facility till 31 December 2018.
    • Split the payment of your road tax and motor insurance to 12 equally divided monthly instalments.
    • DBS will may take up to seven days to process your request for this plan.
    • Use the approved amount, deposited in your respective DBS or POSB Savings or Current account, to pay for road tax and vehicle insurance premiums.
    • Up to 95% of the credit limit available on your card can be approved under this plan.
    • The approved amount can’t be less than S$500.
    • Pay a fee of S$150 for early redemption or termination of the plan.
    • Only DBS/POSB savings or current account holders are eligible to apply.

    Cash Withdrawn on Credit Card

    • The withdrawal amount depends on the credit limit available.
    • Cash can be withdrawn in the following ways:
      • From a POSB or DBS ATM
      • At any POSB or DBS branch or affiliated overseas bank branch
      • Via Phone Banking
      • By calling the customer care hotline.
      • Via iBanking
    • Up to S$3,000 can be withdrawn from an ATM every day with this card.
    • There is no minimum withdrawal limit.

    Eligiblity Criteria

    To know whether you can apply for this card or not, visit our DBS credit cards page.

    Card Is Lost/Stolen

    • Inform the bank of the incident immediately to prevent further misuse. This can be done:
      • By logging onto the bank’s website.
      • By calling the bank’s dedicated credit card hotline.
    • Provide the bank with a police report and a statutory form, in the prescribed format, if asked for.
    • Your liability for unauthorised transactions made on your card will be limited to S$100, provided:
      • The bank considers you to be a victim and not a perpetrator of the crime.
      • The bank establishes that you weren’t grossly negligent.
      • You took all possible precautions to prevent loss/damage/misuse of your card.
    • If proven otherwise, you may be held liable for all the unauthorised transactions made.

    When it comes to choosing one card, the easiest way to eliminate the options is annual fee and rate of interest associated with each one of them. Once you are aware of that information, you can easily choose the best from 7 types of credit cards.

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    What Else Do I Need to Know?

    How to Enable/Disable Auto Debit & Standing Instructions

    Through iBanking/Recurring Payment Form/Sign Up with Merchants

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    • You can set up auto debits by logging into your iBanking account.
    • If you are not an internet banking customer, then download and submit the ‘Recurring Payment Form’ to DBS.
    • Alternatively, you can also sign up for this service directly with merchants who offer this facility.

    To disable auto debits to a particular merchant, you will have to contact the concerned merchant directly.

    How to Apply for the Card & Check the Application Status

    Through iBanking/Card and PIN/Online and Follow Up With the Bank

    You can apply for the DBS Esso Card in 3 ways:

    • Using your iBanking login
    • Using an existing card and its PIN
    • Through the bank’s website

    You can check the status of your application by logging into your iBanking account or through DBS’ phone banking service.

    How to Check Balance

    Through iBanking/SMS/Phone Banking/Digibank

    • If you are a registered iBanking user, then check your balance by logging into your account.
    • You can subscribe to SMS notifications from DBS to receive information regarding the your card balance.
    • Phone banking services can also be used to check the balance on your card.
    • Alternatively, you can download the digibank app and set up the ‘Peek Balance’ feature and check your balance on the go.

    How Can the Bill Be Paid?

    iBanking/Digibank/GIRO/SMS/ATM/VTM/AXS/Cheque

    Any of the following modes of payment can be used to pay your credit card bill:

    • iBanking
    • Digibank
    • Interbank GIRO
    • SMS Banking
    • Any DBS/POSB ATM
    • Video Teller Machine (VTM)
    • AXS Station, AXS e-Station, AXS m-Station or AXS QuickBill
    • Cheque

    How Much Is the Minimum Payment to Be Made on the Card?

    3% of the Statement Balance or Min S$50

    The minimum amount to be paid each month is 3% of the outstanding balance on your card. This includes any overdue amount or any amount that has been charged to your card in excess of your credit limit.

    If this amount is lesser than S$50, then the minimum amount payable is S$50.

    What Is the Grace Period?

    20 days

    The interest-free period on the DBS Esso Mastercard is 20 days before the generation of your next statement.

    Which Mobile Wallets Can This Card Be Used With?

    Apple Pay/Samsung Pay/Google Pay

    You can link your credit card to mobile wallets such as Apple Pay, Samsung Pay, and Google Pay.

    Can It Be Used With EZ-Link?

    Yes

    Your DBS Esso Mastercard can be used for EZ-Link transactions during the validity period mentioned on your card. You will, however, not earn any rewards on these transactions.

    How to Block or Unblock the Card

    Online/Call Customer Service Hotline

    Your credit card can be blocked on DBS’ website or by calling their 24-hour Customer Service Hotline.

    Your card can be unblocked online as well.

    How to Reset the PIN

    Through iBanking/Call Customer Service/Online Form/VTM/Digibank

    • In case you have forgotten your PIN, you can reset it by logging into your iBanking account.
    • Alternatively, you can also call their 24-hour Customer Service Centre and request for a new PIN. This PIN will be sent to you by post.
    • If, however, your card is linked to your DBS savings account, then you will have to submit a PIN request form to DBS.
    • Reset your PIN at a Video Teller Machine (VTM).
    • Use digibank to reset your PIN

    What Is the Billing Cycle and the Bill Due Date?

    20 Calendar Days for Minimum Payment/1 Month for Full Payment (Can Start on Any Date)

    You will receive a statement of accounts every month starting from the date on which your card was approved. You can request for a change in the date of the billing cycle on the bank’s website.

    How to Get a Replacement Card

    Online/Call Customer Service

    Request for a replacement card by providing your card details on the bank’s website or by calling DBS’ Customer Service Centre.

    How to Temporarily Increase the Limit of the Card?

    Through iBanking/Digibank

    You can request for a temporary increase in the credit limit on your card by logging into your iBanking account or by using DBS’ digital banking services and providing the required details on the bank’s website.

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