Have you ever noticed how much time we Malaysians spend on the road? That must mean a lion share of your monthly expense goes on petrol right? So, if you need a cash cushion for your daily expense and find yourself in an increasing petrol cost, then it is time to look for a petrol credit card. YEAH!!! Today’s topic will cover the Top 10 Best Petrol Credit Card Malaysia Review 2022.
This credit card is specifically designed to give you savings on your petrol cost. Plus, it may have other rebates on travel, groceries, dining and many more to let you live a cash flexible life.
What are the 10 best credit card for petrol in Malaysia?
If you search in the internet, you will find an infinite pool of petrol credit cards in Malaysia. But do you really have the time to look at each one of them? No, right? So, here we have the top 10 best petrol credit card Malaysia for you. Browse through them in less than 10 minutes and pick the one that best suits your needs.
Maybank Visa Signature Card
You can apply for this petrol credit card with as little as RM 5833 monthly income.
Do you have a job where you frequently move around? If yes, then Maybank Visa Signature Card must be just the one for you! It gives you a generous cashback benefit of 5% on your petrol. So, you can use the credit card to have some savings on your credit card.
Other than that, Maybank is always a rewarding card for the flexible commute. You can use it anywhere, anytime to cater to your monthly expenses. Travel the whole country and even overseas with awesome cashback points on groceries, dining and travel as you travel the world.
Subject to your credit limit, this credit allows you to use your credit instantly with the lowest charges. In fact, your annual fee for the first year is free. Besides, if you spend RM 30,000 or above in the subsequent years, your annual fee for those years will be waived too!
So, what are you waiting for? Get your own Maybank Visa Signature Card with interest as low as 15% per annum as long as you pay your instalments regularly.
Check out in more detail what it has in store for you:
Best Features:
- Free annual fee
- Free supplementary card for first 4 applicants
- 0% balance transfer fee
Cashback Benefit on Petrol and More:
- 5% cashback on petrol and groceries
- 5x treat points for every RM 1 spent on shopping, dining and travel overseas
- 1x treat points for every RM 1 spent on shopping, dining and travel locally
Who is it for?
- Owns a car
- Travels frequently
- A major part of the monthly expenses goes on petrol which can be compensated by the cashback benefit of this credit card
Eligibility:
- Principal cardholder, 21 years old or above
- Supplementary cardholder, 18 years old or above
- Minimum monthly income of RM 5833
Citi Cashback Card
You can apply for this petrol credit card with as little as RM 3000 monthly income.
It is hard to maintain your cost when your salary is just around RM 3000. This is the time where a credit card can save you the financial crunches. But, the funny thing is even some banks want you to earn more to approve your credit card. But, not Citi Bank!
They want you to enjoy the little things in life and hence Citi Cashback Card is a great way to have flexibility in your monthly expense. You can withdraw a daily amount of RM 5000 at an interest rate starting from 15% per annum.
Most importantly, it gives you a sweet deal on petrol as high as 10% p.a. So, if your job involves meeting clients or working on sales, which requires a lot of travelling, this card can give you some serious cashback on your petrol.
Have trouble with your car? You can even use Grab rides with a 10% cashback offer to save you money on the rainy days. Plus, there are awesome healthcare and travel discounts which would let you move around the country with ease as long as you have this credit card at hand.
With free annual fee and supplementary cards at only RM 100, comfort is now at your door.
Check out in more detail what it has in store for you:
Best Features:
- Free annual fee
- Fantastic discounts and benefits in more than 24,000 hotels, golf clubs and restaurants
- Up to 20% discount on healthcare facilities at 20 hospitals in Malaysia including KPJ
- 15% discount on walk-in hospital room rates anywhere in Malaysia
- Only 5.33% balance transfer fee per annum
- 0% instalment payment plan at all participating merchants
Cashback Benefit on Petrol and More:
- 10% cashback on petrol and Grab rides if you spend up to RM 500 per month
- 10% cashback on dining and groceries at Giant, AEON Big, Tesco, Cold Storage, Everrise, Servay, Econsave, Mydin if you spend up to RM 500 per month
- 2% cash rebate on your Guardian, Watson and Caring pharmacies expenditure
- 0.2% unlimited cashback on utilities and shopping per month
Who is it for?
- Have a medium budget
- A frequent credit card user
- Wants impressive savings on petrol
- Enjoys commute and living expense savings as well
Eligibility:
- Principal cardholder, 21 years old or above
- Supplementary cardholder, 18 years old or above
- Minimum monthly income of RM 3000
HSBC Amanah Mpower Platinum Credit Card i
You can apply for this petrol credit card with as little as RM 3000 monthly income.
Sometimes a minimum salary of RM 3000 is too low to support your daily spending and your family’s needs. The task has become even more burdensome when you cannot find a credit card which could help you out of this money crunch.
Hence, HSBC brings you HSBC Amanah Mpower Platinum Credit Card i that fulfill your credit needs by letting you take out RM 1,000 per withdrawal to fulfill your cash gap. Besides, if your job and every day chores involve a lot of moving around which ends up in a lot of petrol cost, this credit card is your savior offering 8% cashback on a diverse set of petrol stations.
Combining this with cashback on grocery, shopping and dining, the credit comes with lowest cost to let you enjoy life to the fullest.
Check out in more detail what it has in store for you:
Best Features:
- Free annual fee
- Fantastic discounts and benefits in more than 6,500 retail outlets all over the nation
- 0% balance transfer fee for 3 months exclusively for new principal carholders
Cashback Benefit on Petrol and More:
- 8% cashback in Shell, Petronas Caltex, Petron and BHP if you spend RM 2000 or more per month
- 8% cashback at Giant, Tesco, AEON Big and Mydin if you spend RM 2000 or more per month
- Upto 8% cashback if you pay by e-wallets (Grabpay, Samsung Pay, Touch n Go and Fave Pay) for dining and shopping
- 0.2% unlimited cashback on all local spending on shopping
Who is it for?
- E-wallet savvy
- Needs petrol savings from any types of petrol stations due to frequent travelling to different destinations
- Enjoys no-touch shopping and grocery with impressive savings
Eligibility:
- Principal cardholder, 21 years old or above
- Supplementary cardholder, 18 years old or above
- Minimum monthly income of RM 3000
Petronas Maybank Visa Platinum Card
You can apply for this credit card for petrol with as little as RM 5000 monthly income.
If you hold a mid-level job and have a family to support, you need something to lean back for your rainy days. Petronas Maybank Visa Platinum Card is one such companion that cushions your cash needs in every step of the way.
Need to refurbish your home, invest on insurance or cash for your daily needs? Don’t worry! This credit card will fully cover you at a low interest rate of 15% p.a. Besides, if you pay your credit within 20 days’ time, you can enjoy the credit at no charge at all.
And of course its specialty is it connection with Petronas. So, if you find having large petrol cost and wants to curb your commit cost, this credit card offers great cashback to let you do that. You can also check out the other fantastic discounts and benefits on groceries and travel that makes it a must have for any mid-income earners.
Check out in more detail what it has in store for you:
Best Features:
- Free annual fee
- Free supplementary card
- Interest free credit for 20 days
- Easy payment plan starts from 0% p.a.
- Balance transfer fee starts from 0% p.a. With a minimum of RM 1000 transfer amount
- Free Maybank Tough n Go Zing Card
- Access to personal concierge services and emergency travel assistance
Cashback Benefit on Petrol and More:
- 8 points on every RM 1 spent on Petronas on weekends
- 5 points on every RM 1 spent on Petronas on weekdays
- 8 points on every RM 1 spent on groceries every weekend
- 1 point on every RM 1 spent on insurance, utilities and education
- Awesome discount rates to redeem free air travel with Malaysian Airlines, Enrich, Singaporean Airlines and many more
Who is it for?
- Owns a car
- Petronas user
- Frequent traveler by road
- Enjoys cashback and discounts on travel and every day expense
Eligibility:
- Principal cardholder, 21 years old or above
- Supplementary cardholder, 18 years old or above
- Minimum monthly income of RM 5000
Maybank Islamic Petronas Ikhwan Visa Platinum Card-i
You can apply for this credit card for petrol with as little as RM 5000 monthly income.
Have you ever skipped taking a road trip because of the expensive petrol cost? Well, not anymore! Maybank Islamic Petronas Ikhwan Visa Platinum Card-i offers you the best rebates on petrol so that you can paint the town red with your travel adventures.
Get your credit at low interest rate of 15% per annum with a 20 day free ride if you return the credit by that time. Plus, the cashbacks on utilities, retails, education and retail will help you to do good savings on your monthly expense curbing your cost to an absolute minimum.
Check out in more detail what it has in store for you:
Best Features:
- Free annual fee
- Free supplementary card
- Interest free credit for 20 days
- Easy payment plan starts from 0% p.a.
- Balance transfer fee starts from 0% p.a.
- Free Maybank Tough n Go Zing Card
Cashback Benefit on Petrol and More:
- 8% cashback spent on Petronas on weekends up to RM 50 per month
- 1% cashback spent on Petronas on weekends up to RM 50 per month
- 1 point on every RM 1 spent on on retail, education, insurance, utilities and any other petrol stations apart from Petronas
Who is it for?
- Owns a car
- Petronas user
- Prefer Shahriah way of savings
- Enjoys cashback and discounts on every day expense
Eligibility:
- Principal cardholder, 21 years old or above
- Supplementary cardholder, 18 years old or above
- Minimum monthly income of RM 5000
CIMB Petronas Platinum Mastercard
You can apply for this credit card for petrol with as little as RM 2000 monthly income.
With the rising cost in Malaysia, it is almost impossible to get by the month with only RM 2000 income and if you try to get a credit card with such earnings, many banks will hesitate to give you one but not CIMB.
CIMB Petronas Platinum Mastercard is your golden ticket to take out credit at low interest rate of 15% per annum. It fulfills your credit needs for the month at the lowest cost possible. Plus, if your job is in sales and you have to commit with your personal car in daily basis, this credit card can help you to save money with fantastic cashback offers on petrol.
It even offers generous benefits and discounts for your overseas travel and shopping expense with its travel insurance and rebates. So, without further ado, apply for this credit card to make your life easier.
Check out in more detail what it has in store for you:
Best Features:
- Free annual fee
- Free supplementary card
- Interest free credit for 20 days
- Easy payment plan starts from 0% p.a.
- Balance transfer fee starts from 5.99% p.a. with a minimum of RM 1000 transfer amount
- Up to RM 1 million travel coverage if you buy your full ticket with this credit card
- Enjoy 10% discount when you buy souvenirs in ZON Duty Free shops in Malaysia
Cashback Benefit on Petrol and More:
- 10% cashrebate on Setel spending up to RM 30 per month if your statement balance is RM 1,500 or above
- 5% cashrebate on Petronas spending up to RM 30 per month if your statement balance is RM 1,500 or above
- 3% cashrebate on Petronas spending up to RM 30 per month if your statement balance is below RM 1500
- 0.2% unlimited cashback on retail spending
Who is it for?
- Budget income
- Someone whose bigger share of monthly expense go to petrol cost
- Frequent traveler
Eligibility:
- Principal cardholder, 21 years old or above
- Supplementary cardholder, 18 years old or above
- Minimum monthly income of RM 2000
Hong Leong Wise Platinum Card
You can apply for this petrol credit card with as little as RM 5000 monthly income.
If you are on an executive level job with a growing family, you need a good credit card Malaysia that can serve your financial needs. Hong Leong Platinum card can be just the thing you need with ample cashback on petrol, dining and groceries to curb your daily expense.
Plus, if you need money for investment or refurbish your home or even to tend to your family emergencies, the card offers credit at 15% interest p.a. With a 20 day free interest period. So, at annual fee of RM 98 for principal cardholder and RM 80 for supplementary cardholder, this credit card right up your alley to get you out of your financial crunch.
Check out in more detail what it has in store for you:
Best Features:
- Interest free credit for 20 days
- Easy payment plan starts from 0% p.a.
- Balance transfer fee starts from 6.99% p.a. with a minimum of RM 1000 transfer amount
Cashback Benefit on Petrol and More:
- 8% cash rebate on weekends and 1% cash rebate on weekdays for petrol, groceries and dining spending up to RM 18 per month if you spend RM 500 or more every month
- 0.25% unlimited cashback on other spending
Who is it for?
- Mid-income earner
- Looking to save money on petrol, groceries and such daily expenditure
Eligibility:
- Principal cardholder, 21 years old or above
- Supplementary cardholder, 18 years old or above
- Minimum monthly income of RM 5000
AmBank CARz Gold Visa Card
You can apply for this credit card for petrol with as little as RM 2000 monthly income.
Do you love to travel but has a budget income? Don’t worry AmBank CARz Gold Visa Card can be your financial companion to give you awesome rebate on your petrol and shopping cost so that you can move around the world with financial flexibility.
At starting interest rate of 15% per annum, this credit card gives you travel coverage and flexible cash withdrawal to fulfill your daily needs even if you are just a fresher living on minimum salary.
Check out in more detail what it has in store for you:
Best Features:
- Free annual fee
- Free supplementary card for first 3 applicants
- Interest free credit for 20 days
- Easy payment plan starts from 0% p.a.
- RM 500,000 travel insurance coverage for you and your family
Cashback Benefit on Petrol and More:
- 3% cash rebate on petrol stations such as PETRONAS, Caltex, Petron, BHP or Shell up to RM 50 for partial credit card payment
- 2% cash rebate on petrol stations such as PETRONAS, Caltex, Petron, BHP or Shell up
- 10% cashback on selected duty free shops in ASEAN countries
- to RM 20 for full credit card payment
- 1 point on every RM1 spent on local retail spending
- 3 point on every RM1 spent on overseas retail spending (online purchase not applicable)
Who is it for?
- Mid-income earner
- Looking to save money on petrol
- Frequent traveler
- Loves shopping in duty free outlets
Eligibility:
- Principal cardholder, 21 years old or above
- Supplementary cardholder, 18 years old or above
- Minimum monthly income of RM 2000
UOB One Visa Classic Card
You can apply for this petrol credit card with as little as RM 2000 monthly income.
Why should you compromise on the daily luxuries of life even if you are on startinting salary right? UOB One Visa Classic Card celebrates the youth and freshers of today by offering impressive cashback on petrol, groceries and shopping. Besides, if you like taking your family for nice dinners, this credit card has some pretty good discounts to enjoy the day without burning a hole in your pocket.
Being your safety net, the credit card offers credit at low interest rate of 15% p.a. You have to meet your regular installments and you can live a life free of financial troubles. At a minimum annual fee of RM 68 for principal cardholder and RM 30 for supplementary cardholder. It is worth a try to live a cash flexible life.
Check out in more detail what it has in store for you:
Best Features:
- Interest free credit for 20 days
- Easy payment plan starts from 0% p.a.
- Balance transfer fee starting at 0% p.a. with a minimum of RM 1000 transfer amount
- 15% discount and dining privelege in more than 150 dining outlets in Malaysia
Cashback Benefit on Petrol and More:
- Unlimited 5% cashback on petrol over weekends with RM 200 monthly spending
- Unlimited 1% cashback on petrol in weekdays with RM 200 monthly spending
- Unlimited 5% cashback on groceries over weekends with RM 200 monthly spending
- Unlimited 0.2% cashback on groceries in weekdays with RM 200 monthly spending
- Unlimited 2% cashback on telecommunication over weekends with RM 200 monthly spending
- Unlimited 0.2% cashback on telecommunication in weekdays with RM 200 monthly spending
- Unlimited 0.2% cashback on retail shopping
Who is it for?
- Budget income earner
- Looking to save money on petrol and other daily expense
- Loves dining out
Eligibility:
- Principal cardholder, 21 years old or above
- Supplementary cardholder, 18 years old or above
- Minimum monthly income of RM 2000
RHB World MasterCard Credit Card-i
You can apply for this petrol credit card with as little as RM 6666.67 monthly income.
If you have made a good life for yourself, you need a good credit card Malaysia which celebrates your achievements. RHB World Mastercard Credit Card-i is that financial compassion that lets you have a cash cushion for a comfortable living.
Enjoy fantastic savings on petrol, dining, travelling and shopping to enjoy the little luxuries of life without any financial constraint. At 15% interest rate per annum and free annual free, this credit card is quite low maintenance to entertain your daily living.
Plus, if you are in the big leagues and a passionate golfer, this card’s incredible rebates will impress your friends and colleagues, letting you maintain a social status among your surroundings.
Check out in more detail what it has in store for you:
Best Features:
- Free annual fee
- Free supplementary card
- Interest free credit for 20 days
- Easy payment plan starts from 0% p.a.
- Balance transfer fee starting at 4.99% p.a. with a minimum of RM 1000 transfer amount
- 5x complimentary access to Plaza Premium Lounges in Malaysia
- 50% off on the walk-in green fees across Gold courses in South Asia
Cashback Benefit on Petrol and More:
- Enjoy 1% cash rebate up to RM 30 on Local Travel, Petrol, and Dining if you spend RM 1000 – RM 2499 per month
- Enjoy 2% cash rebate up to RM 30 on Local Travel, Petrol, and Dining if you spend RM 2500 – RM 3499 per month
- Enjoy 6% cash rebate up to RM 30 on Local Travel, Petrol, and Dining if you spend RM 3500 or above per month
- Enjoy 0,5% cash rebate up to RM 100 on overseas retail spending if you spend RM 1000 – RM 2499 per month
- Enjoy 1% cash rebate up to RM 100 on overseas retail spending if you spend RM 2500 – RM 3499 per month
- Enjoy 6% cash rebate up to RM 100 on overseas retail spending if you spend RM 3500 or above per month
- Enjoy unlimited 0.2% cash rebate on other local retail spending if you spend RM 1000 or above per month
Who is it for?
- High income earner
- Frequent traveler in and out of the country
- An avid Golfer
Eligibility:
- Principal cardholder, 21 years old or above
- Supplementary cardholder, 18 years old or above
- Minimum monthly income of RM 6666.67
Choose the Best Petrol Credit Card Guide
If you are hunting for a credit card that has special petrol rebates, you need to check back on these criteria to choose the best petrol credit card Malaysia for your needs.
Petrol Cashback Points
Look for credit cards Malaysia that gives you maximum points or rebates for your petrol savings so that you can earn your points quickly to get greater discounts.
Petrol Cashback Limit
Choose a best credit card that has a generous cashback limit per month. This way, if your daily spending mostly goes on petrol, you can use the maximum petrol cashback limit to curb your costs appropriately.
Spending Terms
Some credit cards will offer you petrol cash rebate regardless of your spending through the credit card. On the other hand, some credit cards want you to spend a certain amount before you could enjoy you cashback privileges. So, make sure that spending amount suits your needs or else if you’re spending falls below that, you will miss out on the petrol cash rebates among other cashback benefits.
The criteria of petrol cash rebates
Some petrol credit cards offer cash rebates on a specific brand such as Petronas while others offer you more options of petrol stations to choose from. So, if you travel a lot, then try to go for a petrol credit card that give you cash rebate for any petrol cost in general.
However, if you use only a specific brand of petrol then it may be useful to go for credit cards which has more rebates for that petrol brand as it will offer you more savings.
Related Post: 10 Best Travel Credit Card in Malaysia
Frequently Asked Questions (FAQs)
What is a petrol credit card?
A petrol credit card Malaysia has special privileges and benefits specially to curb your petrol cost. Malaysians spend a lot of time on the road so a card with petrol rebates can help you to make serious savings in your daily expense.
What is the best petrol brand in Malaysia?
For common Malaysian cars like Perodua and Proton, the best petrol brands are BHP, Petronas and Caltex. So, if your petrol credit card offers rebates on these brands, then you should definitely consider it.
How much do I need to earn to get a good petrol credit card?
Fortunately Malaysian banks do not design petrol credit cards based on your income only. So, you can get petrol credit cards with great petrol rebates and more from a minimum income range of RM 2000 to as high as over RM 6000.
So, choose a credit card that matches your income limit and gives you maximum other benefits, coverage and rebate along with excellent petrol discounts.
Conclusion
If you are here, you must already have the petrol credit card Malaysia in mind which best suits your needs. The highlights of these credit cards is your first step to your card hunting process. Now, apply for the petrol credit card of your choice. And don’t hesitate to shower your questions to your chosen credit card platform to make an informed decision. Share to your family and friends if you are like this article the top 10 best petrol credit card Malaysia review 2022.