Compare Citi SMRT Card vs DBS Esso Card

Hightlight
Name	DBS Esso Card	Citi SMRT Card

Brand	DBS	Citi Bank
[Key Features]	• a guaranteed minimum discount of 6% at Esso • Smiles Driver Rewards 750 Smiles Points for every S$30 • Instant Fuel Redemption. (This works out to more than 3% savings) • 12-month instalment plan on your road tax • 10% off the Mobil 1 0W40 or 5W50 Service Package • 3 hours* of free parking at at Holland Village (charge a minimum of S$60 )	• Earn up to 2% rebate for ez-link auto top-up • Earn up to 5% rebate on your daily spend • Redeem your rebates for free rides and more
Eligibility
[Minimum annual income]	$30000	$30000
Annual fee
[Principal]	$80	$150
[Supplementary]	$40	$80
[Annual fee waiver]	First one year	First three years
Rewards
[Expiration]	1 year	1 year
Payment
[Repayment]	Internet Banking,GIRO,Bank Branch,AXS	AXS,ATM,CDM,Cheque,Branch(15),Interbank GIRO
[Grace Period]	22 days	25 days
Interest&Charges
[Effetive Interest Rate]	24% per annum (minimum $2.5)	24% per annum (minimum $3)
[Minimum Payment]	$50 or 3% of total Balance	$50 or 1% of total Balance
[Late Fee]	$45	$40
Other fees
[Foreign currency]	1%	1.5%
[Cash Advance]	$15 or 5% of amount	$10 or 5% of amount
Rank:
Brief:	For bigger savings, better value and exclusive motoring offers that will help you lower the costs of driving.	Making your daily journey even more rewarding.