The Best Petrol Credit Cards In Malaysia

The Best Petrol Credit Cards In Malaysia

We are a nation of people who can’t live without cars – some by preference, while most of us have no choice. For a lot of us, the present public transportation infrastructure doesn’t allow us to travel around conveniently enough – hence, we turn to private transportation to get around.

According to a Paul Tan’s survey in 2010, 29% of Malaysians consume 101 to 200 litres a month. If you are using RON95, that will cost between RM217.15 and RM430 a month!

If you’re one of the 29%, you’ll need a petrol credit card that can save you a lot of money, which you can easily apply online through our online credit card application page. Especially as petrol subsidy is scrapped and seems to be going upwards in the new managed float system, which means you’ll be spending even more than you are now.

Here we break down the three best petrol cards in Malaysia and tell you exactly what these cards are offering for you to find out which one works best for you, with the links for you to make your chosen credit card application online.

UOB ONE Card Classic

Cash back on petrol
Reward points
Brand restrictions
Other restrictions
Maximum cash back
Up to 5%
None
None
Weekend only
RM15 per month for petrol spending
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Total Rating: 250 star  250 star  250 star

A cash back junkie through and through? We found a card that will satisfy your cash back cravings. The UOB ONE Card is a Visa card that comes with the Visa payWave feature. This card is your to-go card if you are the type who fill up your tank every weekend as it offers 5% cash back on petrol spending every weekend, and 2% cash back on weekdays.

For every RM70 spent on petrol, you will get a 5% rebate worth RM3.50. Why not get rewarded on compulsory expenses like petrol?

Petrol
Groceries
Shopping
Utilities
Entertainment
Weekdays
2% cash back
1% cash back at Tesco, AEON Big, Giant, Cold Storage, and Jaya Grocer
0.2% cash back
1% cash back on Maxis, Celcom, and DiGi bills
2% cash back at Golden Screen Cinemas
Weekends
5% cash back
% cash back at Tesco, AEON Big, Giant, Cold Storage, and Jaya Grocer
0.2% cash back
2% cash back on Maxis, Celcom, and DiGi bills
5% cash back at Golden Screen Cinemas

Who should get this card?

If you are usually found filling up your petrol tank every weekend, this is the card for you. Get rewarded with cash back for every Ringgit you spent on petrol.

UOB ONE Card Classic

UOB ONE Card Classic

Get 5% cash back on petrol & other retail spending on every weekend

Get 2% cash back on petrol spending on weekdays!

RHB Travel Money

Cash back on petrol
Reward points
Brand restrictions
Other restrictions
Maximum cash back
Up to 5%
None
None
First weekend of the month only
RM60 per month
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Total Rating: 250 star  250 star  250 half star

Although the RHB Travel Money does not offer reward points for petrol spending, it still has a respectable 5% cash back for every Ringgit you spent on petrol. However, this is only applicable for spending on the first weekend of the month. On other days in the month, you still get 2% cash back. That’s not bad at all.

2.0% cash back
5.0% cash back
Daily spending
First weekend spending

Who should get this card?

If you are looking for a card that rewards you for your petrol spending, and also all other modes of transportations, this is the card for you. With a higher cash back limit at RM60, you can rest assure that your Ringgit spent on petrol is reasonably stretched!

RHB Travel Money

RHB Travel Money

2% cashback at all petrol stations nationwide all other days

5% cashback at all petrol stations nationwide on the first weekend of every month

HSBC Amanah MPower Platinum Credit Card-i

Cash back on petrol
Reward points
Brand restrictions
Other restrictions
Maximum cash back
Up to 8%
None
Shell, Caltex, BHP & Petronas
Weekend only
RM50 per month
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Total Rating: 250 star  250 star  250 star

The HSBC Amanah MPower Platinum Credit Card-i by far offers the highest cash back in all three cards reviewed here. Also for weekend spending, you will be able to earn up to 8% cash back if you fill up your fuel at Shell, Caltex, BHP or Petronas petrol stations, on weekend.

The catch is? To get the maximum cash back of 8%, your monthly credit card spending must be above RM2,000.

Here’s how you can save RM50 a month!

0.2% cash back daily
3% cash back on weekend
8% cash back on weekend
Weekday spending
Monthly spending up to RM2,000
Monthly spending above RM2,000

Who should get this card?

If the bulk of your petrol spending is on the weekend AND you spend on average RM2,000 a month on your card,this would be the best card for you. With up to 8% cashback, you can save up to RM50 every month.

HSBC Amanah MPower Platinum Credit Card-i

HSBC Amanah MPower Platinum Credit Card-i

Up to 8% cash back on your weekend petrol spending

Enjoy one for one movie ticket at GSC on weekends!

How do you decide?

After analysing these three fuel credit cards, the Maybank 2 Cards seems to offer high cash back and reward points, plus the flexibility to fuel up in any petrol station. If you fuel up and shop a lot during the weekend, this will the best card for you to have in your wallet.

However, if you are a loyal customer to Shell, Caltex and Petronas, then the HSBC Amanah MPower Visa Card-i can help you save even more. 8% cash back does sound attractive!

If you are just looking for a credit card that help you save in all aspects of travelling, be it on land, air, or sea, then the RHB Travel Money is your best bet. It offers the highest cash back rate if you fuel up on weekdays too.

Other factors to look out for are annual fees, interest rates and minimum income, which can be found on our credit card comparison page.

Fuel is an expenditure that people have to make, as long as they own a car, but by using the right card you can reduce it as much as possible (even more important with subsidies being rapidly reduced).

Be mindful that a credit card can be a useful tool or it can be a dangerous self-destructive weapon. Most of this depends on you — even the best card in the world won’t help if you spend beyond your means.

Find out how you can save 10 tanks of petrol in a year with this quiz.

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