Best Credit Cards for Petrol & Fuel Savings in Malaysia (2025) ๐โฝ๐ณ
Fuel prices in Malaysia can fluctuate, but you can save money on petrol by using the right credit card. Many banks offer cashback, discounts, or reward points for fuel purchases, making it easier to reduce your monthly petrol expenses.
This guide covers the best petrol credit cards in Malaysia along with their cashback rates, fuel brand compatibility, and extra perks.
1. Comparison of the Best Petrol Credit Cards in Malaysia (2025)
| Bank | Credit Card | Petrol Cashback / Points | Monthly Cap | Eligible Fuel Brands |
|---|---|---|---|---|
| Maybank | Maybank Islamic MasterCard Petrol | 3x TreatsPoints | Unlimited | Any petrol station |
| CIMB | CIMB PETRONAS Platinum | 5% cashback | RM50 | PETRONAS |
| HSBC | HSBC Amanah MPower Platinum | 8% cashback (weekend), 1% (weekday) | RM50 | Any petrol station |
| Shell & CitiBank | Shell-Citi Visa | 8% cashback | RM50 | Shell |
| RHB | RHB Shell Visa | 5% cashback | RM30 | Shell |
| Standard Chartered | SC Visa Platinum | 5% cashback | RM50 | Any petrol station |
๐ Note: Cashback is usually subject to a minimum spend requirement and may have a monthly cap.
2. Detailed Breakdown of Each Card
๐น Maybank Islamic MasterCard Petrol
โ Benefits:
- 3X TreatsPoints for every RM1 spent on fuel at any petrol station.
- No specific fuel brand required.
- Unlimited TreatsPoints accumulation.
- Shariah-compliant (Islamic banking).
๐ Best for: Those who want flexibility and donโt want to be tied to a specific petrol station.
๐น CIMB PETRONAS Platinum
โ Benefits:
- 5% cashback on fuel purchases at PETRONAS stations.
- Extra rebates when using CIMB debit cards for PETRONAS fuel.
- Complimentary travel accident insurance.
๐ Best for: Frequent PETRONAS users who want simple cashback benefits.
๐น HSBC Amanah MPower Platinum
โ Benefits:
- 8% cashback on weekend fuel spending.
- 1% cashback on weekday fuel spending.
- Up to RM50 monthly cashback.
- Works at all petrol stations in Malaysia.
๐ Best for: Weekend drivers who refuel mostly on Saturdays & Sundays.
๐น Shell-Citi Visa
โ Benefits:
- 8% cashback on Shell fuel purchases.
- Extra RM10 cashback per month if spending RM300 on Shell fuel.
- Complimentary roadside assistance & car towing services.
๐ Best for: Loyal Shell customers who want maximum cashback.
๐น RHB Shell Visa
โ Benefits:
- 5% cashback on Shell fuel purchases.
- Special promotions on Shell fuels and lubricants.
- RM30 monthly cashback cap.
๐ Best for: Moderate Shell users who donโt need high cashback limits.
๐น Standard Chartered Visa Platinum
โ Benefits:
- 5% cashback on petrol transactions at any petrol station.
- Monthly cashback cap of RM50.
- Additional cashback on groceries and dining.
๐ Best for: Those who donโt want to be tied to one fuel brand but want consistent savings.
3. How to Maximize Petrol Savings with Credit Cards
๐ก Use multiple cards wisely โ If you refuel on weekends, use HSBC Amanah MPower Platinum (8% cashback). If you prefer PETRONAS, CIMB PETRONAS Platinum is better.
๐ก Refuel at the right time โ Some cards (like HSBC) offer higher cashback only on weekends, so plan your fuel purchases accordingly.
๐ก Meet the minimum spending requirements โ Some cashback cards require a minimum spend of RM500-RM2000 per month across all categories to enjoy full cashback.
๐ก Stack with fuel station loyalty programs โ Example: Use Shell-Citi Visa + Shell BonusLink to double up on rewards.
๐ก Monitor cashback caps โ Once you hit your monthly cashback cap, switch to another card to continue earning rewards.
4. Which Petrol Credit Card is Best for You?
| Category | Best Card |
|---|---|
| Best for PETRONAS users | CIMB PETRONAS Platinum |
| Best for Shell users | Shell-Citi Visa / RHB Shell Visa |
| Best for Weekend Drivers | HSBC Amanah MPower Platinum |
| Best for Any Petrol Brand | Maybank Islamic MasterCard Petrol / SC Visa Platinum |
| Best for High Spenders | HSBC Amanah MPower Platinum (higher cashback cap) |
๐ Choose the best card based on your fuel spending habits to save the most money on petrol! ๐ฐ
