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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