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  • Best Petrol Credit Cards of 2018

    Finding a suitable credit card can be a daunting task, especially when you are looking for a card that can take care of your petrol purchases.

    The features and benefits of petrol cards are explained in this guide. Compare and then choose a petrol card that suits you the best.

    Here are the Best Petrol Credit Cards in Malaysia 2018

    Updated on 4th October 2018

    Card Name
    Petrol Savings
    Minimum Spend Criteria
    Annual Fee
    Know More

    Cash rebate of 7% on Petronas spends.

    Cash rebate of 3% on Petronas spends.

    (Petrol Savings)

    RM3,000 for 7% cashback.

    Below RM3,000 for 3% cashback.

    (Minimum Spend Criteria)

    Principal Card: Waived.

    Supplementary Card: Waived.

    (Annual Fee)

    1% cash rebate for weekday spends.

    5% cash rebate for weekend spends

    (Petrol Savings)

    None

    (Minimum Spend Criteria)

    Principal card: RM168

    Supplementary Card: RM30.

    (Annual Fee)

    10% cashback.

    (Petrol Savings)

    RM2,000

    (Minimum Spend Criteria)

    Principal card: RM300

    Supplementary Card: RM150.

    (Annual Fee)

    5% cashback

    (Petrol Savings)

    None

    (Minimum Spend Criteria)

    Principal Card: RM550.

    Supplementary Card: Free for life.

    (Annual Fee)

    Get a petrol credit of RM20 upon approval.

    (Petrol Savings)

    None

    (Minimum Spend Criteria)

    Principal Card: RM150.

    Supplementary Card: RM75. Waived for the first year. For subsequent years, annual fee is waived on a minimum spend of RM2,400 or 12 swipes in a year.

    (Minimum Spend Criteria)

    Up to 5% cashback on petrol expenses.

    (Petrol Savings)

    RM500

    (Minimum Spend Criteria)

    Principal Card: RM70.

    Supplementary Card: Waived.

    (Annual Fee)

    5x TreatsPoints for petrol purchase on the weekdays and 8x TreatsPoints for purchases made on the weekends (at PETRONAS Service Stations).

    (Petrol Savings)

    None

    (Minimum Spend Criteria)

    Principal Card: Waived.

    Supplementary Card: Waived.

    (Annual Fee)

    8% rebate on petrol purchases at any Shell petrol station across Malaysia RM2,500 and above (for 8% cash rebate on fuel purchases).

    (Petrol Savings)

    Maximum RM800 for Shell fuel purchases each month

    (Minimum Spend Criteria)

    No annual fee for the first year (if swiped for 3 times from 60 days of approval date).

    Subsequently, RM195.

    (Annual Fee)

    *Effective 1 September 2018, Sales and Services Tax (SST) of RM25 will be imposed on all the cards.

    Best Credit Cards for Petrol

    CIMB Petronas Platinum Credit Card

    The CIMB Petronas Platinum Credit Card is ideal for those who use their vehicle on a daily basis. You not only get cashback for Petronas spends, but also for all other retail transactions

    Key Benefits

    • Earn 7% cash rebate on Petronas spends when your statement balance is RM3,000 and above.
    • Earn 3% cash rebate on Petronas spends when your statement balance is below RM3,000.
    • Earn 0.2% cash rebate on all other retail purchases.
    • Stay protected with travel insurance coverage of up to RM1 million. The insurance also covers travel inconveniences, including luggage loss and missed connections.
    • Enjoy discounts and offers from participating merchant outlets.
    Additional Points Description
    How to Use It
    • Use your CIMB Petronas Platinum card at participating merchant outlets to earn exclusive offers and privileges.
    Good about It
    • The minimum income requirement of this card is just RM24,000 p.a.
    • This card is free for life.
    • The cashback for all other retail spends does not come with a capping.
    • Get a free Touch ‘n Go Zing Card along with your card.
    Keep in Mind
    • The cash rebate you earn on Petronas spends are based on your monthly statement balance.
    • The cashback earned for Petronas spends is capped at RM50 per month per card.

    Who Should Get It:

    • Those who use their own vehicle for daily commute.

    UOB ONE Platinum Card

    The UOB ONE Platinum card gives you cashback when you carry out petrol transactions at any petrol station. You also get cash rebates on cinema, groceries, telecommunications, and other retail spends. Take a look at the card’s features and benefits.

    Key Benefits

    • Get 1% cash rebate on weekday petrol purchases and 5% cash rebate on weekend petrol purchases at all petrol stations.
    • Get 2% cash rebate for weekday shows and 8% cash rebate for weekend shows at Golden Screen Cinemas.
    • Get 1% cash rebate on weekdays and 2% on weekends for transactions carried out at participating grocery stores and telecommunication providers.
    • Get 0.2% unlimited cash rebate on all other retail transactions.
    • Enjoy exclusive offers on dining, shopping, and travel.
    • Earn SMART$ Rebates when you shop at participating merchant outlets.
    Additional Points Description
    How to Use It
    • Use your UOB ONE Platinum Card to earn cash rebates on petrol transactions and all other retail transactions.
    • Shop at participating SMART$ merchant outlets and earn SMART$ Rebates (1SMART$ Rebates = RM1).
    • The cash rebate will be credited into your account automatically.
    Good about It
    • There’s no limit to the maximum purchase amount entitled for cash rebates on movie ticket purchases.
    • Earn cash rebates on movies and other retail transactions.
    • The minimum income requirement for this card is just RM48,000 p.a.
    Keep in Mind
    • The maximum purchase amount for petrol is capped at RM500 per month per card.
    • The maximum purchase amount for grocery purchases and mobile bill payments are capped at RM1,500 per month and RM300 per month, respectively.
    • You won’t earn any cash rebates for government transactions and utility bill payments.

    Who Should Get it

    • Those who use spend a lot on petrol.
    • GSC moviegoers.
    • Those who like to increase their monthly expenses.

    Hong Leong WISE Platinum Credit Card

    Hong Leong WISE Platinum card lets you choose any two categories from the ten specified categories to enjoy cashback on your purchases. You have the option to change to another category whenever you want.

    Key Benefits

    • Choose any two categories from the ones provided. If you use your vehicle frequently, you can choose the petrol category and one more spend category.
    • You will be enrolled to the mobile category automatically.
    • Switch to any other category whenever you want.
    Additional Points Description
    How to Use It
    • Use your card to carry out transactions on the spend categories you have opted for and earn 10% cashback.
    • If you are spending more in a category you have not opted for, you can switch to that particular category and earn cashback.
    Good about It
    • You can choose the category of your choice as per your preferences and your lifestyle.
    • If you spend more in another category, you can switch to that category.
    • The minimum credit limit of the card is RM12,000.
    Keep in Mind
    • You cannot earn cashback at any petrol station’s cashiers. You only earn cashback only from automated fuel dispensers, applicable to any petrol stations.
    • You can earn cashback up to RM100 only when you make purchases worth RM2,000 and above.
    • When you switch to another category, you will be charged RM10 as a one-time maintenance fee.
    • The minimum income requirement for this card is RM60,000 p.a.

    Who Should Get it

    • Those who have ever-changing needs.
    • Those who travel by their own vehicle.

    Maybank Visa Signature

    This card not only gives you cashback for petrol transactions, but you also get high rewards for local and overseas retail transactions, travel insurance coverage, concierge services, and many other perks.

    Key Benefits

    • Get 5% cashback for petrol and grocery purchases.
    • Get 5 TreatsPoints for every RM1 spent overseas.
    • Earn 1 TreatsPoint for every RM1 spent locally.
    • Get 1x TreatsPoints for payments made at education institutions, insurance payments, utility bill payments, and petrol purchases.
    • Stay protected with travel insurance coverage of up to RM2 million.
    • Get fast and hassle-free immigration services at over 280 international airports.
    • Get 24/7 concierge services and a superior line of credit.
    Additional Points Description
    How to Use It
    • Use your Maybank Visa Signature Credit Card to carry out petrol transactions and earn cashback.
    Good about It
    • You not only earn cashback, but also TreatsPoints with this card. The TreatsPoints can be redeemed on a range of lifestyle products, gift vouchers and with frequent flyer programmes of participating airlines.
    • You can convert your TreatsPoints into cash (50,000 TreatsPoints can be converted to RM100).
    Keep in Mind
    • The minimum income requirement of the card is RM70,000 p.a.
    • The cashback for petrol is capped at RM88 per month.
    • You get cashback for petrol only locally.

    Who Should Get it

    • Those who use their vehicle on a day-to-day basis.
    • Those who like to travel and shop.

    AFFINBANK BHPetrol Touch & Fuel Contactless Credit Card

    AFFINBANK provides a credit card exclusively to take care of your petrol expenses. In addition, you can use the card for other retail purchases. Get a host of privileges with the card, such as balance transfer and Easy Instalment Plan, to name a few.

    Key Benefits

    • Get a petrol credit of RM20 with your card upon approval.
    • Earn 1 AFFIN Rewards Point on every RM1 spent on retail transactions.
    • Get a flight and travel personal accident insurance coverage of up to RM500,000.
    • Stay covered with the personal accident insurance of up to RM30,000.
    Additional Points Description
    How to Use It
    • Pay for your petrol and retail purchases with the AFFINBANK BHPetrol Touch & Fuel Contactless Credit Card.
    • Make use of the approved petrol credit to pay for your petrol transactions.
    • Earn AFFIN Rewards Points on every ringgit you spend with the card on retail purchases.
    • Use the accumulated reward points to redeem gifts and vouchers available on the rewards redemption catalogue.
    Good about It
    • Get annual fee waiver for the first year.
    • Enjoy lower interest rates starting at 12% p.a.
    • Make your payments faster with the contactless payment feature of the card.
    Keep in Mind
    • The annual fee for the subsequent years will be waived if you spend a minimum of RM24,000 or make 12 swipes in a year.
    • The flight and travel personal accident insurance coverage is provided for free only if you charge the full flight fare to your card.

    Who Should Get it

    • Those who spend on petrol on a daily basis.
    • Those who make retail transactions frequently.

    RHB Islamic Smart Value Credit Card-i

    RHB Islamic Bank has combined RHB Islamic Travel Money Credit Card-i and RHB Islamic Gold Credit Card-i to offer RHB Islamic Smart Value Credit Card-i. The card provides cashback on petrol transactions and 3 other categories.

    Key Benefits

    • Get 1% cashback on petrol transactions when the total monthly spend is between RM500 and RM1,500.
    • On a total monthly spend of RM1,501-RM2,500, you can get a cashback of 2% on petrol transactions.
    • If your total monthly spend is RM2,501 and above, you can get a cashback of 5% on petrol spends.
    • Get up to 5% cashback on grocery, utility bill payment, and online purchases.
    • On all other categories, you can earn cashback of 0.2%.
    Additional Points Description
    How to Use It
    • Use the RHB Islamic Smart Value Credit Card-i to pay for all your retail transactions, especially petrol, grocery, online, and utility bill transactions.
    • Earn cashback on the specified categories based on the total monthly spend made with the card.
    Good about It
    • Earn unlimited cashback on other retail transactions.
    • Get a travel takaful coverage of up to RM100,000 for you and your family.
    • Use the contactless payment feature of the card to pay your bills quicker.
    Keep in Mind
    • The cashback you can earn is capped at RM10 per category per month.
    • The travel takaful coverage is provided only when you pay the entire flight fare with the card.

    Who Should Get it

    • Those who make petrol transactions daily.
    • Those who spend on grocery shopping, utility bill payments, and online purchases often.

    PETRONAS Maybank Visa Credit Card

    This credit card offers you TreatsPoints on your petrol transactions. You can also get an annual fee waiver on this card.

    Key Benefits

    • Earn TreatsPoints on the card at Petronas service stations every time you make a petrol purchase.
    • You can redeem your accumulated points for PETRONAS vouchers.
    • Enjoy 8x TreatsPoints on your grocery expenses made on every weekend.
    • Get a complimentary Touch n’ Go Zing card.
    Additional Points Description
    How to Use It
    • Use this card at PETRONAS Stations to pay for fuel and earn reward points.
    • You can utilise this card for cash withdrawal at Visa and Plus ATMs across the globe.
    Good about It
    • The card come with  an annual fee waiver for life.
    • You can also redeem your earned TreatsPoints for free air travel with several airlines.
    Keep in Mind
    • You must have an annual income of minimum RM30,000 to get this credit card.
    • As an expatriate, you can apply for the card if you have a minimum annual income of RM60,000.
    • Transactions related to government bodies will not be eligible to earn TreatsPoints.

    Who Should Get It

    • Those who spend often on petrol purchases.

    Shell-Citi Gold Credit Card

    You can enjoy cash rebate on your purchases at Shell fuel stations across the country, using this credit card.

    Key Benefits

    • Enjoy up to 8% rebate on fuel purchases at Shell petrol stations.
    • Get 20% discount on executive screening health packages at participating hospitals.
    Additional Points Description
    How to Use It
    • Use this card to obtain 15% discount on room rates on walk-ins at all participating hospitals if you spend a minimum of RM120 and above.
    • Use the card three times in first 60 days to get an annual fee waiver for the first year.
    • Swipe the credit card at any Shell petrol stations or retail outlets to earn rebates.
    Good about It
    • Get Gold Lifestyle privileges and discounts of up to 50% at participating establishments across the globe.
    • Enjoy healthcare privileges like discounts and promotions at participating hospitals and medical establishments.
    Keep in Mind
    • Maximum fuel purchases eligible for rebate are capped at RM800 every month.
    • A minimum annual income of minimum RM24,000 is necessary to get this card.

    Who Should Get it

    • Those who spend often on fuel purchases.
    • Those who want to enjoy healthcare benefits.

    How to Choose the Best Petrol Card

    These are some of the top options for petrol credit cards in Malaysia. If you want to get a credit card that offers you multiple privileges on your fuel purchases, go through this list, compare multiple cards, and select the one that is most suitable for you.

    You can also compare best rewards credit cards and best cashback credit cards to choose a suitable card in other categories.

    Review

    UOB ONE Platinum card is ideal for those who use their vehicle for daily commute. You get cashback not only during weekends, but also during weekdays. This card gives cashback for groceries, cinema, mobile bill payment, and all other retail spends. You also earn SMART$ Rebates from participating partner outlets. This card is available to those who earn a minimum income of just RM48,000 p.a.

    Illustration

    To understand how you can earn cashback easily using this card, let’s take a look at the following illustration.

    Type of Transaction Amount Spent Cashback Earned Total Cashback Accumulated
    Weekday Petrol Spends RM300 RM3 RM85
    Weekend Petrol Spends RM200 RM10
    Weekend Movie Ticket Purchases RM500 RM40
    Weekend Grocery Purchases RM1,500 RM30
    Other Weekend Spends RM1,000 RM2

    If you spend RM3,500 on petrol purchases, movie ticket purchases, groceries, and other retail spends, you get a total cashback of RM85. The cashback you earn will be automatically credited to your card, and will be used to offset the monthly card balance.

    BBazaar's Best Petrol Credit Cards of 2018

    Use this guide to compare and choose the card that is best suited to you. Make sure you read all terms and conditions pertaining to the card before opting for one. Identify your preferred spending category and budget to pick a card that will meet your financial needs. This table below will explain the categories that each individual card is ideal for. Utilize this table when comparing cards to choose the best card for yourself.

    Credit Card Petrol Savings
    CIMB Petronas Platinum Credit Card

    Cash rebate of 7% on Petronas spends.

    Cash rebate of 3% on Petronas spends.

    UOB One Platinum Card

    1% cash rebate for weekday spends.

    5% cash rebate for weekend spends.

    Hong Leong WISE Platinum Credit Card 10% cashback.
    Maybank Visa Signature 5% cashback.
    AFFINBANK BHPetrol Touch & Fuel Contactless Credit Card Get a petrol credit of RM20 upon approval.
    RHB Islamic Smart Value Credit Card-i

    Up to 5% cashback on petrol expenses.

    PETRONAS Maybank Visa Credit Card 5x TreatsPoints for petrol purchase on the weekdays and 8x TreatsPoints for purchases made on the weekends (at PETRONAS Service Stations)
    Shell-Citi Gold Credit Card 8% rebate on petrol purchases at any Shell petrol station across Malaysia RM2,500 and above (for 8% cash rebate on fuel purchases).

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