Esso¶
Public Reference MCC Records¶
| MCC | Description | Source |
|---|---|---|
| 5411 | Grocery Stores, Supermarkets | Non-official reference (db) |
| 5541 | Service Stations (with Or Without Ancillary Services) | Non-official reference (db) |
| 5542 | Automated Fuel Dispensers | Non-official reference (db) |
Top Miles Cards¶
| Card | Reward | Cap | Min spend | Conditions |
|---|---|---|---|---|
| UOB Lady's Card Esso |
4 mpd | S$1,000 | Must select Transport category | |
| UOB Lady's Solitaire Card Esso |
4 mpd | S$750 | Must select Transport category | |
| UOB Preferred Visa Card Esso |
4 mpd | S$600 | Must complete transaction via contactless payment to be eligible for this reward | |
| UOB Visa Signature Card Esso |
4 mpd | S$1,200 | S$1,000 | Must complete transaction via contactless payment to be eligible for this reward |
| Standard Chartered Visa Infinite Credit Card Esso |
3 mpd | S$2,000 | Reward on foreign currency expenditure | |
| HSBC TravelOne Card Esso |
2.4 mpd | Reward on foreign currency expenditure | ||
| UOB Reserve Credit Card Esso |
2.4 mpd | Reward on foreign currency expenditure | ||
| UOB PRVI Miles American Express Card Esso |
2.4 mpd | Reward on foreign currency expenditure | ||
| UOB PRVI Miles Mastercard Esso |
2.4 mpd | Reward on foreign currency expenditure | ||
| UOB PRVI Miles Visa Esso |
2.4 mpd | Reward on foreign currency expenditure |
Top Cashback Cards¶
| Card | Reward | Cap | Min spend | Conditions |
|---|---|---|---|---|
| DCS VICOM Credit Card Esso |
23.2% | Applicable at Esso only | ||
| DBS Esso Card Esso |
21.6% | Applicable at Esso only | ||
| Trust Cashback Credit Card Esso |
15% | S$250 | S$2,000 | Must select Transport category; You must hit the minimum spending for 3 consecutive months; Cashback is given quarterly |
| UOB EVOL Credit Card Esso |
10% | S$30 | S$800 | Must complete transaction via contactless payment to be eligible for this reward |
| Citi Cashback Master Card Esso |
8% | S$80 | S$800 | This is an eligible Private Commute and Petrol merchant |
Street Truth / User-Reported Exceptions¶
Suica via Apple Pay: MCC 4111 (exception, user verified, risk: low)¶
User reported that topping up a Suica card with Japanese Yen via Apple Wallet/Apple Pay successfully triggers the American Express overseas spend promotion credits.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | Suica |
| Card | American Express Cards |
| Route | Apple Pay |
| MCC | 4111 |
| Programme | Amex Offers |
| Programme type | other |
| Points currency | cashback |
| Award route / region | Japan |
| Sweet spot | yes |
| Devaluation risk | medium |
| Last verified | 2024-11-28 |
| Last seen | 2024-11-28T05:21:52+00:00 |
| Observed result | User topped up 1,200 JPY to Suica on Nov 18 and received the Amex overseas spend credit on Nov 27. |
| Caveat | Only American Express-issued cards are eligible for Amex Offers; bank-issued Amex cards (e.g., UOB/DBS) are excluded. |
Gogo Energy via Amaze: MCC 5541 (exception, user verified, risk: low)¶
User reported that paying for petrol via Gogo Energy corporate card (Shell/Esso) linked to Amaze + Citi Rewards Mastercard earns 4 mpd on top of a 23% upfront discount, though a 1.8% credit card fee is levied.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | Gogo Energy |
| Card | Citi Rewards Mastercard |
| Route | Amaze |
| MCC | 5541 |
| Programme | Citi ThankYou |
| Programme type | bank_transfer |
| Points currency | ThankYou Points |
| Miles / points | 4 mpd |
| Fees / surcharges | 1.8% credit card fee |
| Sweet spot | yes |
| Devaluation risk | low |
| Last verified | 2024-11-26 |
| Last seen | 2024-11-26T01:47:44+00:00 |
| Observed result | Earned 4 mpd on top of 23% upfront discount with 1.8% fee |
| Caveat | A 1.8% credit card fee is levied by the merchant. |
Esso: MCC 5541 (exception, user verified, risk: low)¶
User reported that uOB Preferred Platinum Visa (PPV) does not earn 4 mpd (10X UNI$) at Esso petrol stations due to Esso being a SMART$ merchant, whereas Caltex successfully awards 4 mpd.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | Esso |
| Card | UOB Preferred Platinum Visa |
| MCC | 5541 |
| Programme | UOB UNI$ |
| Programme type | bank_transfer |
| Points currency | UNI$ |
| Miles / points | 4 mpd |
| Devaluation risk | low |
| Last verified | 2018-12-12 |
| Last seen | 2018-12-12T05:33:05+00:00 |
| Observed result | Contactless payment at Esso earned only base 2 mpd (or SMART$) instead of 4 mpd, while Caltex earned 4 mpd. |
| Public/official layer | UOB SMART$ merchants are excluded from earning regular UNI$ / bonus UNI$. |
| Caveat | Esso is a UOB SMART$ merchant, which excludes it from earning 10X UNI$ on UOB cards. |