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For individuals who depend largely on their vehicles, fuel costs can have a substantial influence on their monthly budget. Luckily, gas credit cards in Malaysia provide a great opportunity to cut money on fuel while also enjoying extra benefits. Learn about the top gas credit cards, how they work, and how to get the most out of your earnings in this comprehensive guide.
Table of Contents
Top Petrol Credit Cards in Malaysia
1. CIMB PETRONAS Platinum Credit Card
Key Benefits: Up to 8% cashback on petrol spending at PETRONAS stations, 10% discount on PRIMAX fuels.
Ideal User Profile: Frequent PETRONAS customers looking for high cashback rates.
2. RHB Shell Visa Credit Card
Key Benefits: Up to 12% cashback at Shell stations and additional discounts on Shell SELECT items.
Ideal User Profile: Regular Shell users who want maximum cashback on their fuel purchases.
3. Maybank Islamic PETRONAS Gold-i
Key Benefits: Up to 8% cashback on weekends and 1% during weekdays.
Ideal User Profile: Users who fill up mainly during weekends and prefer no annual fees.
4. Hong Leong Wise Platinum Credit Card
Key Benefits: Up to 8% cashback with a minimum spend of RM500 monthly; covers multiple petrol brands.
Ideal User Profile: Drivers looking for flexibility across different petrol stations.
Comparing the Best Petrol Credit Cards in Malaysia
| Credit Card | Cashback
Rate |
Participating Stations | Annual Fee | Ideal For |
| CIMB PETRONAS Platinum Credit Card | Up to 8% | PETRONAS | RM0 | Frequent PETRONAS users |
| RHB Shell Visa Credit Card | Up to 12% | Shell | RM50 | Regular Shell
customers |
| Maybank Islamic PETRONAS Gold-i | Up to 8% | PETRONAS | RM0 | Weekend drivers |
| Hong Leong Wise Platinum Credit Card | Up to 8% | Multiple brands | RM98 | Flexible users |
What Is A Petrol Credit Card?
Petrol credit cards are a great way for people who buy gas often to save money. At participating gas stations, you can usually get cash back or reward points with these cards. Fuel credit cards allow you to cut costs on gas while also offering perks like discounts on car-related services and other perks.
Benefits of Having A Petrol Credit Card
Owning a petrol credit card comes with several advantages:
- Cashback Rewards: Many petrol credit cards offer cashback rates ranging from 0.5% to 10% on fuel purchases, allowing you to earn back a portion of your spending.
- Reward Points: Accumulate points that can be redeemed for various rewards, including discounts on future fuel purchases or other retail items.
- Exclusive Discounts: Some cards provide additional discounts on related services, such as car washes or maintenance.
- Convenience: Using a credit card for fuel purchases is more convenient than cash, as it allows for easier tracking of expenses.
How To Choose The Right Petrol Credit Card in Malaysia
When selecting a petrol credit card, consider the following factors:
- Cashback Rates: Look for cards that offer competitive cashback rates at the petrol stations you frequent.
- Participating Petrol Stations: Ensure that the card is accepted at the petrol stations you typically use.
- Annual Fees: Be aware of any annual fees associated with the card and weigh them against potential savings.
- Additional Benefits: Consider any extra perks offered by the card, such as discounts on car servicing or travel insurance.
How to Maximize Your Petrol Credit Card Benefits
Strategic Spending Tips
To make the most out of your petrol credit card, consider these strategies:
1. Use Your Card Exclusively for Fuel Purchases: This maximizes your cashback or rewards accumulation.
2. Meet Minimum Spend Requirements: Some cards require a minimum monthly spend to unlock higher cashback rates; ensure you meet these thresholds.
Timing Your Fuel Purchases
There can be days when the rewards are better. For instance, you might find that certain credit cards offer better cash-back rates on weekends or during sales events. Consider this when you plan to refuel.
Combining Offers for Extra Savings
Keep an eye out for gas station in-store promos that you may redeem with your credit card. You can save a ton of money, for instance, if you use your gas credit card during a sale.
Conclusion: Start Saving on Your Petrol Today
Finding the best gas credit card can help you save a ton of money at the gas station. You can get the most of your rewards and other perks linked with gas purchases if you know how to use your card strategically and are familiar with the many alternatives. Get a handle on your gas expenses by investigating your choices today!
**Looking for the most ethical and rewarding credit card options? Discover the best credit cards in Malaysia on our informative page.