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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.

Best Petrol Credit Cards

BBazaar's Best Petrol Credit Cards in Malaysia 2018

Updated on 1st December 2018

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.
AmBank CARz Platinum Mastercard Credit Card Up to 5% cash rebate on any petrol brand purchases (For revolvers: 5% rebate capped at RM80 per card per month. For transactors, 2% rebate capped at RM20 rebate each card per month)
PB-Petron Visa Gold Credit Card

Up to 5% cash rebate at any Petron service stations along with unlimited cash MegaBonus

Standard Chartered JustOne Platinum Mastercard Up to 15% cashback when you spend on petrol, online purchases, and auto bill payments
HSBC Amanah MPower Platinum Credit Card-i Up to 8% cashback on petrol and grocery purchases

Here are the Best Petrol Credit Cards in Malaysia 2018

Updated on 1st December 2018

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 5% cash rebate on any petrol brand purchases (For revolvers: 5% rebate capped at RM80 per card per month. For transactors, 2% rebate capped at RM20 rebate each card per month)

(Petrol Savings)

None

(Minimum Spend Criteria)

Waived for both the cards

(Minimum Spend Criteria)

Up to 5% cash rebate at any Petron service stations along with unlimited cash MegaBonus

(Petrol Savings)

None

(Minimum Spend Criteria)

Waived

(Annual Fee)

Up to 15% cashback when you spend on petrol, online purchases, and auto bill payments

(Petrol Savings)

None

(Minimum Spend Criteria)

Waived for the first year Subsequently, RM250 (waived if spent minimum RM20,000 in one year)

(Annual Fee)

Up to 8% cashback on petrol and grocery purchases

(Petrol Savings)

None

(Minimum Spend Criteria)

RM240

(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.

AmBank CARz Platinum Mastercard Credit Card

Card Name
Petrol Savings
Minimum Spend Criteria
Annual Fee
Know More

Up to 5% cash rebate on any petrol brand purchases (For revolvers: 5% rebate capped at RM80 per card per month. For transactors, 2% rebate capped at RM20 rebate each card per month)

(Petrol Savings)

None

(Minimum Spend Criteria)

Waived for both the cards

(Minimum Spend Criteria)

Your fuel related transactions will earn you reward points with this credit card. Collect the points and use them later for motor-related services.

Key Benefits

  • Enjoy 1 CARz Point for every RM1 spent on all your retail purchases.
  • Get a travel insurance cover of up to RM1 million for you and your family members.
  • Platinum cardholders can enjoy E-Commerce Purchase Protection of up to USD200 on the card.
Additional Points Description
How to Use It
  • Use the card to make your retail transactions and earn CARz Points
Good about It
  • Cashback is awarded to both principal as well as supplementary cardholders.
  • You can redeem your earned AmBonus Point for various goods and items.
Keep in Mind
  • You cannot earn CARz Points for transactions carried out at petrol stations.
  • You need to have a minimum yearly income of RM48,000 to get this card.
  • You need to charge your full flight ticket to the card to get a free travel insurance.
  • The first 3 supplementary cards are free-for-life. However, you have to pay RM188 p.a. from the 4th card onwards.
  • For revolvers, 5% rebate is capped at RM80 per card per month. For transactors, 2% rebate is capped at RM20 rebate each card per month.

Who Should Get it

  • Those who use their card for petrol purchases.
  • Those who are frequent travellers.

PB-Petron Visa Gold Credit Card

Card Name
Petrol Savings
Minimum Spend Criteria
Annual Fee
Know More

Up to 5% cash rebate at any Petron service stations along with unlimited cash MegaBonus

(Petrol Savings)

None

(Minimum Spend Criteria)

Waived

(Annual Fee)

The card comes with up to 5% Cash Rebate at any Petron service station and also offers unlimited Cash MegaBonus on your retail purchases. You can also get an annual fee waiver for life.

Key Benefits

  • Get up to 5% cash rebate on your fuel and non-fuel related transactions at Petron service stations.
  • Enjoy a complimentary personal accident insurance cover of up to RM20,000.
  • Once a cardholder, you won’t need an introducer to open a current account with the bank.
Additional Points Description
How to Use It
  • Use this card to open a current account with the Public Bank.
  • To get maximum cashback, use this card at Petron service stations.
Good about It
  • You can earn unlimited Cash MegaBonus using the card for retail purchases.
  • Via Help Desk Services, enjoy 24x7 assistance related to the card.
  • Through PBe Service, access banking services from anywhere in the world.
  • You need to spend a minimum of RM800 at Petron service stations to get 5% cashback on your expenses.
Keep in Mind
  • Maximum cashback earned is capped at RM50 per month.

Who Should Get it

  • Those who spend frequently at Petron service stations.

Standard Chartered JustOne Platinum Mastercard

Enjoy up to 15% cashback on your online purchases, auto bill payments, and petrol transactions with this credit card. All other credit card spends will also earn you cashback.

Key Benefits

  • You can enjoy more than RM1,000 as a cashback in a year on your transactions made on the card annually.
  • Get 0.2% cashback on all other credit card purchases.
Additional Points Description
How to Use It
  • Use this card at participating merchants to enjoy various offers and discounts.
  • Use this card at Golden Screen Cinemas to purchase any movie ticket for RM7. Use it on GSC website and mobile app.
  • Use this card to convert your shopping purchases in affordable monthly instalments with ‘FlexiPay Plus’ plan.
Good about It
  • Annual fee waiver for the first year.
  • Subsequently get an annual fee waiver by spending a minimum of RM20,000 per year on the card.
Keep in Mind
  • The cashback is capped at a minimum of RM85 per month.
  • You will get 15% cashback on your purchases only on a minimum spend of RM2,500 and above.
  • You need to have an annual income of at least RM24,000 to obtain the credit card.
  • GSC movie ticket offer is valid only until 28 February 2019.

Who Should Get It

  • Those who use their card often for fuel and online purchases.

HSBC Amanah MPower Platinum Credit Card-i

This credit card offers several benefits on your petrol as well as grocery purchases. You can also earn cashback on your expenditure done in other categories.

Key Benefits

  • 8% cashback on grocery and petrol transactions at participating merchants on your total monthly expenditure of RM2,000 and more.
  • Enjoy 0.2% cashback on every RM1 you spend locally.
  • Enjoy great savings and financial flexibility with Balance Transfer plan and Cash Advance programme available on the card.
Additional Points Description
How to Use It
  • Use this card for petrol and grocery related transactions to earn cashback.
  • Use it at participating merchants (Petrol – Shell, Caltex and Petronas and Groceries – Giant, Tesco, AEON Big and Mydin) to earn more benefits.
Good about It
  • Spends made on both principal and supplementary cards can be consolidated to earn rebates.
  • Access to exclusive privileges by Visa.
  • Enjoy access to special deals and VIP treatments with VIP SmartPrivileges Programme.
Keep in Mind
  • 8% cashback is applicable when you make minimum transactions of RM2,000.
  • Monthly transactions below RM2,000 will give you a cashback of 2%.
  • The monthly cashback amount is capped at RM50.
  • The annual income criteria is RM36,000.
  • You need to be at least 21 years old to apply for the card.

Who Should Get it

  • Those who spend regularly on fuel and grocery-related transactions with their card.
  • Those who travel frequently.

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

While all cards listed above offer benefits on fuel transaction, Standard Chartered JustOne Platinum Mastercard stands out with its own unique features. It offers you 15% cashback on petrol and grocery spends, which allows you to save as much as RM1,000 in a year. It also offers 0.2% cashback on your spends for any other category.

Illustration

The categories in which cashback is available under the Hong Leong WISE Credit Card are petrol, pharmacies, mobile payments, groceries, departmental stores, dining, utility payments, bookstores, travel, and entertainment spends. The cashback is applicable only when you spend a minimum of RM2,000 in a month. You can choose two more categories, apart from mobile payments, which is the bonus category. Let’s assume you spend RM4,000 on mobile bills, fuel payments, and dining. We can check how much cashback we can earn.

Expenses Category Amount Spent Eligible Cashback Percentage Cashback Earned
Mobile Bills RM1,000 10% RM100
Fuel Payments RM2,000 10% RM200
Dining RM1,000 10% RM100.

The total cashback earned on your spent amount of RM4,000 is RM400, based on the 10% cashback applicable on the three categories. However, since the card has a cashback limit of RM100, you would only earn RM100 for your payments.

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