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  • Credit Card BYTES FROM OUR KITCHEN

    Petrol Credit Cards

    BBazaar Exclusive Deals for Credit Card

    Enjoy a Free PETRON Gift Voucher of RM 400 & Touch 'N' Go Card of RM100

    **Click Here to Check Terms & Condition

    Get a Free PETRON Gift Voucher of RM 200 & Touch 'N' Go Card of RM50

    **Click Here to Check Terms & Condition

    A credit card offers you an array of privileges and perks in the form of rewards, cashback, discount, and other timely offers. There are many different types of credit cards that cater to specific expenses. You can choose these cards as per your spending habits and requirements. For frequent commuters who have fuel as a main expense, a petrol credit card can not only ease the burden of petrol purchases but it also provide an opportunity to earn other key benefits.

    With a petrol credit card, your monthly fuel expenses will no longer be a financial burden. For starters, with the right card you can get either cashback or reward points every time you swipe at a fuel station. Apart from these benefits, some petrol cards also offer points or cash rebates on other expense categories like dining, utilities, shopping, groceries, to name a few.

    This means, you will get the best value for every petrol and other retail transaction you make on your card. To give you more insight into the world of petrol credit cards, we've listed down a few below:

    Compare Petrol Credit Cards in Malaysia

     

    Card Name
    Rewards/Cashback
    Other Key Benefits
    Annual Fee
    Know More

    Up to 15% cashback on petrol expenses

    (Reward Points Earned)

    Up to 15% cashback on auto bill payments and online purchases

    0.2% cashback on other retail expenses

    (Rewards Benefit of the Card)

    Principal card: RM250

    Supplementary card: Waived

    Annual fee waiver for the first year.

    Subsequent years waiver available on a minimum spend of RM20,000 p.a.

    (Annual Fee)

    Up to 8% cash rebates on Shell fuel purchases

    (Reward Points Earned)

    None

    (Rewards Benefit of the Card)

    Principal card: RM195

    Supplementary card: RM100

    Annual fee waiver for the first year if you swipe you card three times within the first 60 days

    (Annual Fee)

    5% cashback on petrol expenses every Sunday

    (Reward Points Earned)

    5% cashback at AEON BiG Stores

    2% cashback on online and overseas expenses

    Up to 4x Member Points for every RM1 spent in all ÆON BiG Stores

    3x complimentary access to Plaza Premium Lounges

    (Rewards Benefit of the Card)

    Principal card: RM95

    Supplementary card: RM60

    First year annual fees waived on a minimum of 12 transactions per annum

    (Annual Fee)

    5x TreatsPoints on weekday PETRONAS expenses

    8x TreatsPoints on weekend PETRONAS transactions

    (Reward Points Earned)

    8x TreatsPoints for weekend grocery expenses

    1x TreatsPoints on education institutions, insurance, utility, other petrol, and 0% EzyPay transactions

    (Rewards Benefit of the Card)

    Lifetime annual fee waiver for principal and supplementary cards

    (Annual Fee)

    Up to 7% cash rebates on PETRONAS expenses

    (Reward Points Earned)

    Unlimited 0.2% cash rebates on other retail transactions

    Up to RM1 million travel insurance coverage

    (Rewards Benefit of the Card)

    Lifetime annual fee waiver for principal and supplementary cards

    (Annual Fee)

    Up to 8% cashback on petrol expenses

    (Reward Points Earned)

    Up to 8% cashback on grocery expenses

    0.2% cashback on other transactions

    (Rewards Benefit of the Card)

    Principal card: RM90

    Supplementary card: RM45

    (Annual Fee)

    Up to 10% cashback on petrol expenses

    (Reward Points Earned)

    Up to 10% cashback on groceries, dining, and Grab rides

    Unlimited 0.2% cashback on other retail expenses

    (Rewards Benefit of the Card)

    Principal card: RM195

    Supplementary card: RM100

    (Annual Fee)

    *Sales and Service Tax of RM25 will be imposed on new card and upon card renewal.

    Features And Benefits Of Petrol Credit Cards:

    • A petrol credit card offers you cashback benefits of up to 15% every month.
    • Many petrol cards offer a complimentary Touch ‘n Go Zing Card that comes with an auto-reload feature.
    • Many of the petrol credit cards in the country give access to a complimentary travel insurance/takaful cover with a cover ranging up to RM1 million on your card.
    • You can get an interest-free period of up to 20 days on your petrol credit card.
    • Select petrol credit cards also offer you complimentary airport lounge access.
    • A petrol card comes with value-added services such as Easy Payment Plan (EPP) and Balance Transfer (BT) plan that allow for efficient management of finances.

    Why Choose A Petrol Credit Cards?

    A petrol credit card can come in handy if you tend to travel more via your car, bike, or any other personal vehicle. A petrol card helps you save money on your petrol/fuel expenses as it exclusively offers you cashback and rewards in that category. The cards can offer considerable savings through the cashback provided. Cashback earned through petrol cards ranges from 0.5% to 15% every month depending on the card chosen.

    How Do Petrol Credit Cards Work?

    With a petrol card, you will either get cash rebates or reward points on all your fuel transactions. This also depends on the type of card issued by the bank. For instance, if you have a co-branded credit card like the PETRONAS Maybank Visa Gold, you earn reward points only on transactions made at PETRONAS stations.

    Besides points or cash rebates on fuel expenses, some cards also offer these benefits on other retail transactions as well. To better understand how a petrol card works, let’s dive into the details in the table below. As an example, let’s say you spend RM1,500 monthly.

    Spending Category Reward Points Amount Spent Monthly Points Earned
    PETRONAS fuel (weekday) 5x RM300 1,500
    PETRONAS fuel (weekend) 8x RM500 4,500
    Groceries (weekend) 8x RM650 5,200
    Utilities 1x RM50 50
           
    Total   RM1,500 11,250
    Total Points Earned   11,250

     

    Now you have a basic idea of how many points you can earn in a single month. As you can see, points rewarded are much higher on the weekends. So, if you notice your card gives you more points on certain days, swipe your card on those days.

    Reward schemes/Miles/Cashback

    Every time you swipe your card for a petrol expense, you will get either reward points or cash rebates on that transactions. If the card offers rewards, you can get up to 8x points on all petrol-related expenses. For cashback, you can expect up to 15% cash rebates on your petrol expenditures. However, you will have to spend a certain amount on your petrol to reach the higher bracket of cash rebates.

    Besides reward points and cash rebates, you will also get many travel-related benefits with a petrol card - automatic travel insurance coverage, complimentary access to Plaza Premium Lounges, discounts on Grab rides, and more.

    You also get Visa or Mastercard benefits and access to other deals and discounts in Malaysia.

    Advantages of Petrol Credit Cards

    If you spend frequently on fuel, a petrol card is ideal for you. These cards are designed to add more value to your petrol expenses. Let’s say you swipe your card regularly at Shell or PETRONAS. Some co-branded credit cards will give you higher reward points or cash rebates on these expenses.

    These aren’t the only features of petrol credit cards. Some also offer reward points or cashback on other categories like groceries, online shopping, bill payments, etc. Depending on the bank that has issued the card, you’ll also get access to numerous deals and discounts.

    How Do You Choose the Best Petrol Credit Card?

    Before you pick a card, it’s important to analyse your spending patterns and your monthly budget. If a good percentage of your monthly income goes towards petrol expenses, a petrol card may be the ideal choice.

    Now we move on to the type of petrol cards to pick from. You can choose a regular credit card that gives either reward points or cash rebates on all fuel transactions. Or you have the option of choosing a co-branded card like the Shell-Citi Gold Credit Card. This card gives cash rebates exclusively on purchases at Shell stations.

    Another factor you should consider is the value you’re getting. Pick a card that gives the highest reward points or cashback on your transactions. Usually, the cash rebates you get range from 3% to 10%. Do note that if the cashback is higher than usual, there will be certain conditions attached to it.

    You can also consider getting a card with no annual fees or low annual fees. This way, you won’t have to worry about added costs. Additional benefits you can look for are points or cashback on other categories, complimentary travel insurance, and discounts and deals. And finally, check if you’re eligible for the card.

    How to Make the Most of Your Petrol Credit Card

    One of the easiest ways is to swipe your petrol card for all your petrol-related expenses. If you choose a co-branded card, only purchase petrol from that particular station. This way, you keep getting reward points or rebates on your transactions.

    If your petrol card offers points or cashback on other categories, use your card for those expenses as well. You should also look for promotions or offers provided by the bank for added value.

    Lost Card/Overseas Assistance

    Losing your credit card can be a little stressful. However, it’s important to inform your bank immediately. Once the bank is aware your card is missing, they will block it to prevent any fraudulent charges. You can also expect a replacement card from the bank shortly.

    When you’re traveling overseas and you face issues with you card, there’s a customer care number you can reach for your issues. Whether it’s problems you’re facing during a transaction or being unable to withdraw cash, you can reach them whenever you want.

    Those who have a premier card will have a dedicated hotline for all travel-related queries.

    Eligibility Criteria to apply Petrol credit cards

    Petrol credit cards, like other credit cards, have an eligibility criteria. One of the requirements is all principal cardholders have to be 21 years and above. Likewise, supplementary cardholders have to be 18 years and older.

    There’s an income requirement as well and this changes from card to card. Let’s take a look at the annual income requirement for some of the petrol cards in Malaysia.

    Card Name Minimum Annual Income Requirement
    Standard Chartered JUST One Platinum Card RM24,000
    Shell-Citi Gold Credit Card RM24,000
    AEON BiG Visa Gold Card RM36,000
    PETRONAS Maybank Visa Gold RM30,000
    CIMB Petronas Mastercard RM24,000
    HSBC Amanah MPower Visa Platinum Credit Card-i RM36,000
    Citi Cash Back Platinum Card RM60,000

     

    Documents Required To Apply For Petrol Credit Cards

     

    Applicant Category Documents Required
    Employed
    • Copy of MyKad
    • Latest EPF statement
    • Latest salary slip
    Self-employed
    • Copy of MyKad
    • Latest EPF statement
    • Latest bank statement showing salary credited
    Expat
    • Copy of passport and visa
    • Latest salary slip
    • Letter of employment
    • Work permit valid for at least six months

     

    Promotions on petrol credit cards

    • Book a room at Novotel Kuala Lumpur City Centre with your Citi Credit Card and get 20% off best unrestricted online rates. You cannot cancel your reservation 3 days or lesser prior to your arrival. This offer is cannot be clubbed with other promotional programs, discounts, and vouchers, and is valid until 28 June 2019.
    • Spend a minimum of RM55 at Roast & Grill with your CIMB Credit Card and get 10% off your total bill. This promotion is available for a la carte dine-in only and cannot be clubbed with other offers, set meals, discounts, and vouchers.The  offer is valid from 15 August 2018 to 31 July 2019.

    Conclusion

    With the right petrol credit card, you can add value to your expenses. This is either in the form of reward points or cash rebates. For any petrol expenses, swipe your petrol card to keep increasing your points or cashback. You can also use the card to access discounts, deals, and privileges offered by the bank.

    FAQs on petrol credit cards

    Q. Will I get reward points or cash rebates if I swipe my card at all petrol stations?

    A. This depends on the type of credit card you have. Some credit cards offer points or rebates for transactions at all petrol stations. However, if you have a co-branded card like the Shell-Citi Gold Credit Card, rebates are exclusive to expenses at Shell stations.

    Q. Is there any capping for the rebates on a petrol card?

    A. Yes. The capping amount changes from bank to bank, card to card, and category to category. For instance, some cards cap the rebates at RM50 a month for petrol expenses. However, there’s no capping on rebates for all other retail expenses.

    Q. What can I redeem my points for?

    A. Point redemption depends on the bank that has issued your credit card. With some cards, you can redeem your points only for products from the bank’s catalogue. Some cards let you redeem your points for air miles, gift vouchers, and you can use them to pay for purchases as well.

    Q. Do I have to use my co-branded card at that particular brand?

    A. No. You can use your co-branded card for your other expenses as well. However, if the card offers reward points or cashback on transactions exclusive to that brand, you will have to swipe it at its outlet. Some co-branded cards reward points or cash rebates on other categories as well.

    Q. Should I inform the bank if there are changes in my contact details?

    A. Yes. It’s important to inform the bank of any changes in your contact details so representatives can get in touch with you easily. You can either visit the website, the nearest branch, or contact the call centre to let them know of your contact changes.

    Q. Are petrol credit cards limited to permanent residents of Malaysia alone?

    A. While most cards are limited to permanent residents of Malaysia, there are a number of other petrol cards that accept foreign applicants.

    Q. Can I take more than one supplementary credit card with my principal petrol credit card?

    A. Yes, you can get multiple supplementary credit cards along with your principal card. Many banks offer a maximum of up to four supplementary credit cards.

    Q. Does a petrol credit card give me rewards and cashback on other retail purchases?

    A. Yes, a petrol credit card also offers you reward points, cashback for your other retail purchases like groceries, utility bills, government services, etc.

    Q. Can I use my petrol credit card to get cash from an ATM?

    A. Yes, most of the credit cards come with the cash withdrawal facility.

    Q. What should I do when my card is stolen or lost?

    A. You are advised to block the card immediately when it is lost or stolen. You should contact your bank officials and inform them about the loss.

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