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Best Petrol Credit Cards of 2019

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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. Top banks in Malaysia offer credit cards with various benefits and privileges on fuel purchases. However, you should also consider other features of these cards based on your lifestyle.

Let’s take a look at the list of top petrol credit cards in Malaysia to choose your favourite:

Best Petrol Credit Cards

BBazaar's Best Petrol Credit Cards in Malaysia 2019

Updated on 16th January 2019

Credit Card Petrol Savings
Hong Leong WISE Gold Card

10% cashback at automated fuel dispensers at all petrol stations

Maybank Islamic Mastercard Gold Ikhwan Card-i

Get 1x reward point on petrol transactions.

CIMB Cash Rebate Platinum Credit Card

Get 5% cash rebate on petrol transactions.

Citi Cash Back Visa Credit Card

Up to 10% cash back on petrol transactions.

RHB World Mastercard Credit Card

Up to 6% cashback on petrol expenses.

AmBank BonusLink Visa Platinum Credit Card

10x BonusLink Points on Shell Petrol expenses.

UOB ONE Credit Card

Up to 5% cash rebates on petrol expenses.

AFFINBANK BHPetrol “Touch & Fuel” Mastercard Contactless

Petrol credit of RM20 upon approval.

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Here are the Best Petrol Credit Cards in Malaysia 2019

Updated on 16th January 2019

Card Name
Petrol Savings
Minimum Spend Criteria
Annual Fee
Know More

10% cashback at automated fuel dispensers at all petrol stations

(Petrol Savings)

RM2,000 per month.

(Minimum Spend Criteria)

Principal Card: RM250.

Supplementary Card: RM80.

(Annual Fee)

Get 1x reward point on petrol transactions

(Petrol Savings)

None

(Minimum Spend Criteria)

Waived for life for both principal and supplementary cards.

(Annual Fee)

Get 5% cash rebate on petrol transactions.

(Petrol Savings)

RM3,000 per month.

(Minimum Spend Criteria)

Waived for life for both principal and supplementary cards.

(Annual Fee)

Up to 10% cash back on petrol transactions.

(Petrol Savings)

RM1,000 per month.

(Minimum Spend Criteria)

Principal Card: RM120.

Supplementary Card: RM60.

(Annual Fee)

Up to 6% cashback on petrol expenses.

(Petrol Savings)

RM1000

(Minimum Spend Criteria)

Waived for life for both principal and supplementary cards.

(Minimum Spend Criteria)

10x BonusLink Points on Shell Petrol expenses.

(Petrol Savings)

Rm10

(Minimum Spend Criteria)

Principal Card: RM450.Supplementary Card: RM250.

Waived for the first 2 years.

(Annual Fee)

Up to 5% cash rebates on petrol expenses.

(Petrol Savings)

None

(Minimum Spend Criteria)

Principal Card: RM68. Supplementary Card: RM30.

(Annual Fee)

Petrol credit of RM20 upon approval.

(Petrol Savings)

None

(Minimum Spend Criteria)

Principal Card: RM150. Supplementary Card: RM75.

Waived for the first year.

(Annual Fee)

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

Hong Leong WISE Gold Credit Card

Card Name
Petrol Savings
Minimum Spend Criteria
Annual Fee
Know More

10% cashback at automated fuel dispensers at all petrol stations

(Petrol Savings)

RM2,000 per month.

(Minimum Spend Criteria)

Principal Card: RM250.

Supplementary Card: RM80.

(Annual Fee)

Get cashback on a minimum of two categories throughout the year. The card gives you the flexibility to choose the categories as required.

Key Benefits

  • Get 10% cashback throughout the year on any two selected categories.
  • Enjoy flexibility in changing your category options.
Additional Points Description
How to Use It
  • Use the Hong Leong WISE Gold Card for all your purchases.
  • Get 10% cashback on two selected categories of your choice.
  • Enjoy 10% cashback by default on mobile payments.
Good about It
  • Variety in the categories where cashback can be earned, including, mobile payments, petrol bills, pharmacies, groceries, dining, departmental stores, bookstores, utility payments, entertainment, and travel.
  • You can earn high returns of up to RM100 in one month.
Keep in Mind
  • The 10% cashback offer is applicable only when you spend RM2,000 on retail transactions in a month.
  • There is a charge of RM10 when you switch the cashback categories.
  • The cashback cap is RM100 in one month.

Who Should Get It:

  • Those who prefer using their card for daily retail purchases and petrol transactions.

Maybank Islamic Mastercard Gold Ikhwan Card-i

Card Name
Petrol Savings
Minimum Spend Criteria
Annual Fee
Know More

Get 1x reward point on petrol transactions

(Petrol Savings)

None

(Minimum Spend Criteria)

Waived for life for both principal and supplementary cards.

(Annual Fee)

Earn reward points on a number of transactions with this Shariah-compliant card. You can also enjoy easy payments with the Touch n’ Go Zing card, which you can get for free with the card. The card also allows you to make charity donations with each transaction.

Key Benefits

  • Get 1x reward points on a number of transactions, including fuel payments.
  • Annual fees are waived for both principal and supplementary cards.
  • 0.1% of all expenses made on the card is donated to charity.
Additional Points Description
How to Use It
  • Use the Maybank Islamic Mastercard Gold Ikhwan Card-i for all purchases.
  • Earn 1x reward points on educational institutions, insurance payments, utility bills, petrol payments, and 0% EzyPay.
Good about It
  • Win an Umrah package for two people every week when you apply for the card.
  • Get a complimentary Maybank Touch n’ Go Zing card and make easy payments.
Keep in Mind
  • There is a fixed monthly management charge of RM7,500 on the card.
  • There are no reward points on transactions made with government bodies.

Who Should Get it

  • Those looking for an Islamic card that’ll will earn them rewards on their purchases.

CIMB Cash Rebate Platinum Credit Card

Enjoy cash rebates on a number of categories when you make transactions with the CIMB Cash Rebate Platinum Credit Card. This card allows you to make bill payments through standing instructions.

Key Benefits

  • Enjoy 5% cash rebate on petrol, movies, groceries, mobile, and utility bill payments.
  • Get 2% cash rebate on all overseas online and retail spends.
Additional Points Description
How to Use It
  • Use the card for all your transactions.
  • Get cash rebates on different types of expenses, according to the category and monthly amount spent.
  • Enjoy unlimited cashback on local online and retail expenses.
Good about It
  • Enjoy unlimited 0.2% cash rebate on local online and retail spends.
  • Pay your utility and mobile bills through standing instructions.
  • Get access to the CIMB Credit Card Privileges Programme.
Keep in Mind
  • 5% cash rebate is applicable only when the minimum expense per month is RM3,000.
  • 2% cash rebate is applicable when the total spends in a month are below RM3,000.
  • The cash rebate is capped at RM30 per month.

Who Should Get it

  • Those looking for cash rebates on a wide variety of payment categories.

Citi Cash Back Credit Card

Get cash back on a host of expenses with the Citi Cash Back Credit Card. You can also enjoy some exclusive benefits when you sign up for the card.

Key Benefits

  • Enjoy 10% cash back on petrol bills, dining expenses, groceries, and Grab rides.
  • The cash back shall be automatically credited back into your account.
  • Enjoy access to a 24-hour Personal Concierge service when you sign up for the card.
  • Set standing instructions for your monthly bill payments through the Citibank One Bill programme.
Additional Points Description
How to Use It
  • Use the card for making transactions, including monthly bill payments.
  • Enjoy 10% cashback on a variety of expenses.
  • Earn unlimited 0.2% cashback on other transactions.
  • Enjoy special offers and promotions under the Citibank World Privileges Programme.
  • Get special rates on healthcare packages.
Good about It
  • Get unlimited 0.2% cash back on all other transactions.
  • Enjoy access to over 24,000 merchants with the Citibank World Privileges programme.
  • Get upto 20% discount on Executive Screening Packages and hospital walk-in rates, when you use this card.
Keep in Mind
  • The cap for the 10% cash back offer is RM10 per month.
  • The healthcare promotion is applicable at 20 participating hospitals only.

Who Should Get it

  • Those who want to save on their petrol transactions.
  • Those want a card that’ll help pay their monthly bills conveniently.

RHB World Mastercard Credit Card

Card Name
Petrol Savings
Minimum Spend Criteria
Annual Fee
Know More

Up to 6% cashback on petrol expenses.

(Petrol Savings)

RM1000

(Minimum Spend Criteria)

Waived for life for both principal and supplementary cards.

(Minimum Spend Criteria)

The RHB World Mastercard Credit Card lets you earn cashback when you spend on travel, petrol, and dining. You have to fulfil the minimum spend criteria of RM1,000 to get a cashback on your expenses. Also, the cashback is designed in a tiered structure where you can get higher returns when you spend larger amounts.

Key Benefits

  • Get a cashback from 1% up to 6%, based on the amount spent on petrol, travel, and dining.
  • Get a cashback from 0.5% up to 2% on overseas spends.
  • Get unlimited 0.2% cashback on all other spends, irrespective of the amount spent.
Additional Points Description
How to Use It
  • Pay with the RHB World Mastercard Credit Card for all your local and overseas transactions.
  • Get cashback when you spend on the selected categories.
  • You can use the cashback to offset the outstanding balance of your card.
Good About It
  • Enjoy 5x complimentary access to Plaza Premium Lounges in Malaysia.
  • Enjoy golfing with complimentary green fee at the participating courses.
  • Get preferred rates on foreign currency at the RHB Bureau-de-Change.
Keep in Mind
  • You cannot get cashback on cash advances, overseas petrol, charity, government agency-related transactions.
  • The cashback is capped at RM30 per category per month on petrol, travel, and dining spends.
  • The cashback for overseas spends is capped at RM100 per month.

Who Should Get It

  • Those who use a credit card to pay for petrol transactions.
  • Those who make dining, overseas, and travel-related transactions often.

AmBank BonusLink Visa Platinum Credit Card

Card Name
Petrol Savings
Minimum Spend Criteria
Annual Fee
Know More

10x BonusLink Points on Shell Petrol expenses.

(Petrol Savings)

Rm10

(Minimum Spend Criteria)

Principal Card: RM450.Supplementary Card: RM250.

Waived for the first 2 years.

(Annual Fee)

The AmBank BonusLink Platinum Credit Card is a 2-in-1 card where you can get a credit card as well as a BonusLink card. You can set standing instructions on the card for automatic utility bill and insurance premium payments. The annual fee is waived for the first 2 years. For subsequent years, it can be waived upon a minimum of 12 transactions made in a single year.

Key Benefits

  • Enjoy 10x BonusLink Points, i.e. 30 BonusLink Points when you spend every RM10 on Shell Petrol.
  • Get 10x BonusLink Points on dining, groceries, Parkson, entertainment, and online transactions.
  • Earn 3 BonusLink Points for every RM10 spent on other local transactions.
  • Get 6 BonusLink Points for every RM10 spent overseas.
Additional Points Description
How to Use It
  • Swipe the AmBank BonusLink Visa Platinum Credit Card to pay for your Shell Petrol and other transactions.
  • Earn BonusLink Points based on the category of spending.
  • Redeem merchandise of your choice from the rewards redemption catalogue.
  • You can also make on-the-spot redemption at more than 1,100 partner outlets across the country.
  • Cash credit redemption facility is available where you can get RM50 cash credit in lieu of 5,700 BonusLink Points.
Good About It
  • Get a complimentary travel insurance coverage of up to RM1 million per year.
  • You can get the credit limit of your card increased at a nominal service fee of 2% of the amount to be increased.
  • Enjoy the benefits of the 0% Easy Payment Plan with repayment tenure of up to 24 months.
Keep in Mind
  • The travel insurance is provided for free only if you charge the entire airfare to your card.
  • The Easy Payment Plan is valid only when you purchase at a participating merchant outlet with a minimum purchase amount of RM500.

Who Should Get It

  • Those who want to get extra reward points on their petrol transactions.
  • Those who prefer to pay with a credit card for their petrol, dining, grocery, online, and entertainment-related transactions.

UOB ONE Credit Card

Card Name
Petrol Savings
Minimum Spend Criteria
Annual Fee
Know More

Up to 5% cash rebates on petrol expenses.

(Petrol Savings)

None

(Minimum Spend Criteria)

Principal Card: RM68. Supplementary Card: RM30.

(Annual Fee)

The UOB ONE Credit Card provides cash rebates on selected category spends. Also, the cash rebate you receive varies based on the weekday and weekend purchases and has a maximum purchase amount as well.

Key Benefits

  • Get 1% cash rebate on petrol transactions done during weekdays.
  • Get 5% cash rebate on petrol transactions are made during weekends.
  • Get up to 8% cash rebates on movie tickets, groceries, and telecom bills.
  • Get a cash rebate of 0.2% on all other transactions.
Additional Points Description
How to Use It
  • Use the card to pay for your petrol and other transactions.
  • Earn cash rebates based on the spend category.
  • Use the cash rebates to offset the outstanding balance of your card.
Good About It
  • Earn SMART$ rebates when you shop at participating merchant outlets, such as Parkroyal Kuala Lumpur, Teddy Tales, Passage Thru’ India, and more.
  • Save up to 15% when you dine at any of the 150 participating restaurants across Malaysia.
  • Petrol transactions made at any station is considered for cash rebate calculation.
Keep in Mind
  • The maximum purchase amount to get the cash rebate is RM300 per month.
  • You have to transact at the participating merchant partners to get the cash rebates on movie tickets, groceries, and telecom bills.

Who Should Get It

  • Those who want to save on daily petrol expenses.
  • Those who pay with a credit card for transactions, such as grocery purchases and telecom bill payments.

AFFINBANK BHPetrol “Touch & Fuel” Mastercard Contactless

Card Name
Petrol Savings
Minimum Spend Criteria
Annual Fee
Know More

Petrol credit of RM20 upon approval.

(Petrol Savings)

None

(Minimum Spend Criteria)

Principal Card: RM150. Supplementary Card: RM75.

Waived for the first year.

(Annual Fee)

Your everyday payments for petrol can be done quicker with the card’s contactless payment technology. The annual fee is waived for the first year. You can also get benefits, such as Balance Transfer Instalment Plan (BTiP), Easy Instalment Plan (EiPlan), Cash-On-Call Instalment Plan (CIP), and Easy Payment Plan (EPP).

Key Benefits

  • Get a petrol credit of RM20 upon approval.
  • Earn 1 AFFIN Rewards Points for every RM1 spent on retail transactions.
  • The finance charge starts at 12% p.a. when you make minimum monthly payments.
Additional Points Description
How to Use It
  • Use the AFFINBANK BHPetrol “Touch & Fuel” Mastercard Contactless to pay for petrol transactions.
  • When you are short of money, you can use the petrol credit of RM20 upon approval.
Good About It
  • Get a complimentary flight and travel personal accident insurance coverage of up to RM500,000.
  • Get a complimentary personal accident insurance coverage of up to RM30,000 for the first year.
Keep in Mind
  • An annual income of RM24,000 or more is required for you to qualify for the card.
  • The annual fee can be waived upon a minimum spend of RM2,400 or a minimum of 12 transactions in a year.

Who Should Get It

  • Those who spend regularly on petrol with a credit card.
  • Those who wish to save on the finance charges.

Choose the Best Petrol Credit Card

A petrol credit card can help you save on your petrol expenses. These cards provide a host of other benefits, in addition to petrol cost savings. Also, there are many cards out there that provide rewards and cashback on other categories. Compare all the cards available in Malaysia in terms of their features. You can, then, select the one that is most suitable for you based on your spending pattern.

Review

Based on the benefits offered on petrol transactions, the AmBank BonusLink Visa Platinum Credit Card stands out in the list. You get 10x BonusLink Points when you spend at Shell Petrol. In addition, 10x BonusLink Points are awarded on dining, Parkson purchases, groceries, online transactions, and entertainment-related spends.

Furthermore, you can earn 3x BonusLink Points for every RM10 spent locally and 6x BonusLink Points for every RM10 spent overseas. The card also provides additional benefits, such as travel personal accident insurance, on-the-spot rewards redemption, and more. There is no minimum spend amount or maximum amount on which you can get reward points. Also, there is no capping on the reward points you can get.

Illustration

Consider that you have spent RM700 at Shell Petrol, RM200 on grocery shopping, RM100 on online transactions, RM400 on other local transactions, and RM100 on overseas transactions. The reward points you can earn on these transactions are calculated in the below table:

Spend Category Spent Amount Rewards Programme Rewards Calculation Total Rewards Earned
Shell Petrol RM700 10x BonusLink Points (30 x RM700)/10 = 2,100 2,100
Grocery Shopping RM200 10x BonusLink Points (30 x RM200)/10 = 600 600
Online Transactions RM100 10x BonusLink Points (30 x RM100)/10 = 300 300
Other Local Transactions RM400 3 BonusLink Points for every RM10 (3 x RM400)/10 = 120 120
Overseas Transactions RM100 6 BonusLink Point for every RM10 (6 x RM100)/10 = 60 60

When you spend a total of RM1,500, you can earn a total of 3,180 BonusLink Points. When it comes to petrol spends, you can earn 30 BonusLink Points for every RM10 spent. Therefore, on spending RM700, you can earn 2,100 points. Keep in mind that only the petrol transactions made at Shell stations are considered for the reward point calculation.

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