48 SMART: Top 10 Petrol Cash Rebate Credit Cards
+Smartan Dad

Tuesday, 3 September 2013

Top 10 Petrol Cash Rebate Credit Cards

The price for RON95 petrol and diesel went up by 20 sen per litre from 12.01am today. This means RON95 would now cost RM 2.10 while diesel will cost RM 2.00 per litre. So if you're spending RM 300 per month on petrol, you would need to pay extra RM 30 every month from now on.


















How can we minimize the impact of petrol hike to our expenses? Firstly, you can consider switching petrol stations as each petrol station has its own reward system as I shared previously. Secondly, you can consider to apply for a credit card that gives you good rebate on petrol.

This is the top ten list (not by ranking) of petrol rebate credit cards that I compile:

Card
Rebate
Cap
Terms & Conditions
HSBC Amanah MPower Visa Platinum Credit Card-i
8% max
RM 100
Saturday and Sunday, RM 2001 and above
SCB JustOne Platinum MasterCard Credit Card
15%
RM 48 max
Everyday, RM 2999 and above
Shell-Citi Gold Credit Card
8% max
RM 64 max
Everyday, RM 2500 and above, Shell petrol station
PB-Esso Mobil Visa Gold Credit Card
5% max
RM 50
Everyday, RM 800 and above, Esso/Mobile petrol station
Maybank Islamic PETRONAS Ikhwan Visa Gold Card-i
8x TP
-
Saturday and Sunday, Petronas petrol station
Maybankard 2 AMEX
5% + 5x TP
RM 50
Saturday and Sunday, all petrol stations that accept AMEX
Hong Leong Wise Credit Card
10%
RM 100
Minimum 10 swipes of RM 50 and above
UOB One Card
5% + 2% SmartCash
RM25
Everyday, BHP petrol station
OCBC Titanium MasterCard
5%
RM 50
Everyday, all petrol station
CIMB Petronas Gold MasterCard
5%
RM 50
Every first weekend, Petronas petrol station


If you still use cash or normal credit card (RM 2 = 1 point) to pay for petrol, you should get one of the cards listed above. Select a card that is suitable for you according to your montly expenses, monthly petrol purchase amount and your choice of petrol station. 

For monthly petrol consumption of RM 500 and below, I would recommend you UOB One Card, OCBC Titanium MasterCard or Maybankard 2 AMEX. The reason is that these cards give high rebates and do not impose minimum monthly spend or swipes.

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