by Ian Fan 
If you’re a fresh grad or just started working with a salary of RM2,000 per month and drive minimally. Let’s say you only drive to and from work daily or just driving around town. You’re spending about RM500 a month on petrol and you’re looking for a credit card to cover some of your petrol costs and make your travel worthwhile.
In this article, we’ll be exploring some cash back credit cards on petrol for those of you who spend about RM500 per month on petrol.
I did some research and prepared a table which we’ll run through some numbers below later.
To apply for the credit cards, you need to meet the minimum income requirement of RM2,000 per month or RM24,000 per year salary.
Before we dive into the credit cards, it’s good to know these informations about petrol cash back credit cards.
Where to use petrol credit cards
Even though the credit cards can be used at petrol stations, not all cards you can spend at any petrol stations. Some cards require you to spend at specific petrol brands to qualify for the cash backs. If you prefer to pump at specific petrol brands, maybe because of your personal preferences or the quality of the petrol the brand uses; then there are dedicated credit cards for such uses. Maybe you like to pump at only BHP, Petronas, Petron, Shell, or Caltex; there are dedicated credit cards for each brand by a bank.
Then there are other credit cards that allow you to collect cash backs from any station and brand you pump at. You are not tied to any specific petrol brand.
When to use petrol credit cards
Then some cards require you to pump on selected days. You need to pump on weekends only, weekdays only, or Fridays and Saturdays only, or on Sundays only. However, if you find yourself pumping mostly on other days or you don’t want to be restricted, then there are other credit card options too.
How to use petrol credit cards
Then on to the cashback and numbers. Even though some cards give very high cashback rates, as much as 5% or more. There is still the spending requirement and the monthly cap on the cashback to consider. You need to spend a certain amount in order to get the cashback. Even then, there is a monthly cap on the cash back.
So, let’s say last month, you spent RM500 on petrol on a weekend using the AEON BiG Visa Classic credit card, you should get a cashback of RM25 but there is a monthly cap of RM15, so you’ll only get RM15 in cashback maximum.
However, if you do find yourself spending more and beyond your usual RM500 spend, maybe due to increase in petrol prices or sudden work travel changes or maybe you want to hit the max monthly cap; you need to spend the following amounts monthly which we’ll cover in the table below.
So, the cards that I’ve narrowed down to are in the table below here.
Affinbank Credit Card
Affinbank BHPetrol “Touch & Fuel” MasterCard offers 5% cashback on weekends at BHPetrol stations, capped at RM50 per month. You need to spend up to RM2,999 monthly on weekends only, in order to enjoy the cashback. So if you spend RM500 on weekends on petrol, you should earn RM25 cashback.
Affinbank BHPetrol “Touch & Fuel” MasterCard also offers 2% cashback on weekdays at BHPetrol stations, capped at RM50 per month. You need can spend any amount monthly on weekdays, in order to enjoy the cashback. So if you spend RM500 on weekdays on petrol, you should earn RM10 cashback.
CIMB Credit Cards
CIMB Petronas Platinum MasterCard offers 3% cashback on any days at Petronas stations, capped at RM30 per month. You need to spend up to RM1,500 monthly with the physical credit card in order to enjoy the cashback. So if you spend RM500 any day on petrol, you should earn RM15 cashback.
CIMB Petronas Platinum-i Credit Card offers 3% cashback on any days at Petronas stations, capped at RM30 per month. You need to spend up to RM1,500 monthly with the physical credit card in order to enjoy the cashback. So if you spend RM500 any day on petrol, you should earn RM15 cashback.
CIMB Cash Rebate Platinum MasterCard offers 2% cashback on any days at any stations, capped at RM30 per month. You need to spend up to RM2,999 monthly in order to enjoy the cashback. The credit card spends can be combined with other spendings at like the cinema, for groceries, mobile use, and utility bill payments via standing instruction. So if you spend RM500 any day on petrol, you should earn RM10 cashback.
RHB Credit Cards
RHB Cash Back Visa Credit Card offers 0.20% cashback on any days at any stations, capped at RM10 per month. You need to spend up to RM999 monthly in order to enjoy the cashback. The credit card spends can be combined with other spendings like dining, utility, and grocery. So if you spend RM500 any day on petrol, you should earn RM1 cashback.
RHB Islamic Cash Back Credit Card-i offers 0.20% cashback on any days at any stations, capped at RM10 per month. You need to spend up to RM999 monthly in order to enjoy the cashback. The credit card spends can be combined with other spendings like dining, utility, and grocery. So if you spend RM500 any day on petrol, you should earn RM1 cashback.
RHB Cash Back MasterCard Credit Card offers 0.20% cashback on any days at any stations, capped at RM10 per month. You need to spend up to RM999 monthly in order to enjoy the cashback. The credit card spends can be combined with other spendings like dining, utility, and grocery. So if you spend RM500 any day on petrol, you should earn RM1 cashback.
UOB Credit Card
UOB Classic Card under the UOB ONE Card offers 0.20% cashback on any days at any stations, capped at RM10 per month. You need to spend up to RM499 monthly in order to enjoy the cashback. So if you spend RM500 any day on petrol, you should earn RM1 cashback.
UOB Platinum Card under the UOB ONE Card offers 0.20% cashback on any days at any stations, capped at RM15 per month. You need to spend up to RM1,499 monthly in order to enjoy the cashback. So if you spend RM500 any day on petrol, you should earn RM1 cashback.
AEON Credit Card
AEON BiG Visa Classic credit card offers 5% cashback on Sundays only at any stations, capped at RM15 per month. You need to spend up to RM500 monthly in order to enjoy the cashback. So if you spend RM500 any day on petrol, you should earn RM25 cashback.
Ambank Credit Card
Ambank Islamic Visa Platinum CARz Card-i offers 5% cashback on any days at any stations, capped at RM80 per month. You can spend any amount in order to enjoy the cashback. But you also need to do partial credit card payment to enjoy the cash back. So if you spend RM500 any day on petrol, you should earn RM25 cashback.
Ambank Islamic Visa Platinum CARz Card-i also offers 2% cashback on any days at any stations, capped at RM20 per month. You can spend any amount in order to enjoy the cashback. But you also need to do full credit card payment to enjoy the cash back. So if you spend RM500 any day on petrol, you should earn RM10 cashback.
Maybank Credit Card
Maybank Islamic MasterCard Ikhwan Gold Card-i offers 5% cashback on Fridays and Saturdays only at any stations, capped at RM50 per month. You can spend any amount in order to enjoy the cashback. The credit card spends can be combined with other spendings like groceries. So if you spend RM500 on Friday or Saturday on petrol, you should earn RM25 cashback.
Public Bank Credit Card
Public Bank Petron Visa Gold offers 2% cashback on any days at Petron station, capped at RM50 per month. You need to spend up to RM500 monthly in order to enjoy the cashback. The credit card spends need to be combined with fuel and non-fuel spends So if you spend RM500 on Sundays on petrol, you should earn RM10 cashback.
You can also watch on YouTube below here.
So that’s it, I hope you found these information useful. If there’s any credit card I missed out or you’ve any questions – do leave them in the comments below.