Struggling with rising fuel costs in Malaysia, even with the new Budi95 subsidy?
What if your credit card could pay you back every time you pump petrol on top of the subsidy?
This 2025 guide reveals the smartest petrol credit cards in Malaysia, ranked by real savings potential. Whether you’re a daily commuter, Grab driver, or weekend balik kampung traveler, the right card can easily give you RM300 – RM600 cashback per year.
Forget the hype. These picks are based on verified bank data, current promotions, and actual usability, not outdated marketing claims.
What Is a Petrol Credit Card?
A petrol credit card rewards you every time you refuel. Rewards usually come as:
- Cashback (direct savings off your bill).
- Points (convertible to vouchers or miles).
Example: Spend RM500/month on petrol, get 8% cashback = RM40 saved. That’s RM480/year, tax-free.
With Budi95 subsidy (RM1.99/L for 300L/month), stacking a petrol card means even more savings.
Top 10 Petrol Credit Cards in Malaysia (2025)
| Rank | Credit Card | Why It’s a Good Pick | Cashback / Points | Cap | Min Income | Annual Fee | Apply |
|---|---|---|---|---|---|---|---|
| 1 | Petronas Maybank Visa Platinum | 8x points at Petronas + Mesra points | 8x points weekends, 5x points weekdays | No cap on points | RM5,000 | Free | 🔗 Apply |
| 2 | HSBC Amanah MPower Platinum Credit Card-i | True 8% on petrol + groceries | 8% on petrol/groceries/eWallets with RM2,000+ monthly spend (1% below) | RM15 per category | RM8,500 | RM240 (Free for 1st year) | 🔗 Apply |
| 3 | CIMB Cash Rebate Platinum | Works at all stations, up to 5% cash rebate | Up to 5% cash rebate | RM30 | RM2,000 | Free | 🔗 Apply |
| 4 | RHB Shell Visa Card | Optimised for Shell, stacks with BonusLink | Up to 12% cashback | RM50 | RM2,000 | RM195 (Free for 1st yr) | 🔗 Apply |
| 5 | Maybank Islamic Ikhwan Visa Platinum | Shariah-compliant 8% petrol | 8% weekends, 1% weekdays | RM50 | RM5,000 | Free | 🔗 Apply |
| 6 | UOB ONE Card | True cashback model, easy RM60/month | 10% petrol | RM15 | RM3,000 | RM195 (1st yr free if New to Bank) | 🔗 Apply |
| 7 | Public Bank Visa Signature | Hybrid cashback + points | 2% unlimited cashback + points | RM30 | RM6,667 | RM388 (1st yr free) | 🔗 Apply |
| 8 | Standard Chartered Simply Cash | Up to 15% on all local spend (incl. petrol) | Up to 15% cashback | RM40 | RM8,000 | RM250 (1st yr free) | 🔗 Apply |
| 9 | Hong Leong Wise Card | Pick petrol as category, up to 10% | 10% weekends, 0.5% weekdays | RM30 | RM2,000 | RM98 (1st yr free) | 🔗 Apply |
| 10 | BSN Visa Cash Back | Free-for-life, tiered rebates | Up to 5% petrol | RM50 | RM4,000 | Free | 🔗 Apply |
In-Depth Reviews of the Top Picks
1. Petronas Maybank Visa Platinum
Best For: Drivers who primarily fuel at PETRONAS
Why It’s Great: Earn 5× TreatsPoints weekdays and 8× weekends at PETRONAS; no annual fee for life.
Heads-Up: Points only apply at PETRONAS (not at other petrol stations)
🔗 Apply
2. HSBC Amanah MPower Platinum Credit Card-i
Best For: Those wanting one card for petrol + groceries + eWallet spend
Why It’s Great: Up to 8% bonus cashback on petrol, groceries, and eWallet if you spend ≥ RM2,000 in those categories.
Heads-Up: Bonus cashback is capped at RM15 per category/month
🔗 Apply
3. CIMB Cash Rebate Platinum
Best For: Drivers who refuel at any petrol station
Why It’s Great: Offers up to ~5% rebate on petrol under favorable conditions (common in comparisons)
Heads-Up: Has monthly caps and conditions.
🔗 Apply
4. RHB Shell Visa Card
Best For: Drivers who predominantly refuel at Shell stations
Why It’s Great: Offers enhanced cashback (up to ~12%) for Shell fuel in certain tiers (as per petrol card listings)
Heads-Up: High rates depend on hitting tiered spend thresholds and observing caps
🔗 Apply
5. Maybank Islamic Ikhwan Visa Platinum
Best For: Shariah-compliant users seeking fuel rewards
Why It’s Great: 8% cashback at PETRONAS on weekends, 1% on weekdays; no annual fee forever
Heads-Up: The 8% applies only on weekends at PETRONAS; weekday rate is low (1%)
🔗 Apply
6. UOB ONE Card
Best For: Drivers who also spend on groceries and dining.
Why It’s Great: Can yield higher cashback on petrol when you fulfill activation / minimum spend conditions (commonly cited in card lists)
Heads-up: If you don’t meet conditions, your effective rate may drop significantly
🔗 Apply
7. Public Bank Visa Signature
Best For: Balanced spenders who want both cashback and points.
Why It’s Great: 2% unlimited cashback on petrol (and all retail) + VIP points on overseas spend.
Heads-up: High eligibility requirement; annual fee is steep unless waived
🔗 Apply
8. Standard Chartered Simply Cash
Best For: High spenders who want simplicity.
Why It’s Great: Up to 15% cashback on local spend, including petrol — no categories to track.
Heads-up: Must hit higher spend thresholds to unlock best rate
🔗 Apply
9. Hong Leong Wise Card
Best For: Category optimizers.
Why It’s Great: Up to 10% cashback on weekend if you select petrol as one of your 3 categories.
Heads-up: If petrol isn’t selected that cycle, the rate drops; caps apply
🔗 Apply
10. BSN Visa Cash Back
Best For: Budget-conscious Malaysians who want a free-for-life card.
Why It’s Great: Tiered cashback up to 5% on petrol spend, with no annual fee.
Heads-up: Without high spend, you may stay in lower rebate tiers
🔗 Apply
Petrol Cashback Example (RM500 Monthly Spend)
| Card | Spend (RM) | Cashback % | Monthly Cashback | Annual Savings |
|---|---|---|---|---|
| Petronas Maybank Visa Platinum | 500 | 8% weekends | RM40 | RM480 |
| HSBC Amanah MPower | 500 | 8% | RM40 | RM480 |
| CIMB Cash Rebate Platinum | 500 | 5% | RM25 | RM300 |
That’s RM300–RM480/year cashback, on top of Budi95 savings.
FAQs: What Malaysians Want to Know
Q: Can I stack petrol cashback with Budi95?
Yes. The subsidy makes RON95 cheaper, and cashback stacks on top.
Q: Are rewards only at Petronas?
Some cards (e.g., Maybank Petronas Visa) are brand-specific. Others (CIMB, UOB) work at any station.
Q: Do I need multiple petrol cards?
Not really. One solid petrol card + one cashback card usually covers all spend.
Cards to Approach with Caution in 2025
Some petrol cards look tempting but don’t give real value:
- Low-cap cards → AEON Visa Gold (RM10 monthly cap).
- Promo-only perks → Short-term Shell/Citibank promos that vanish after 6 months.
- Debt traps → UOB Simple rewards only if you don’t pay in full (interest nightmare).
How to Apply for a Petrol Credit Card in Malaysia
- Check your income eligibility (RM2k entry-level, RM8k premium).
- Prepare documents: IC + payslip/EPF.
- Apply via bank or aggregator (RinggitPlus, iMoney).
- Approval takes 3–5 working days.
Final Thoughts
With fuel costs still rising despite subsidies, the right petrol credit card is a must-have for 2025.
Best simple pick: HSBC Amanah MPower (true 8% cashback).
Best loyalist pick: Petronas Maybank Visa Platinum (Petronas-only).
Best flexible pick: CIMB Cash Rebate (all stations).
Want to double your savings beyond petrol?
Read next: Best Cashback Credit Cards in Malaysia 2025 – Earn Up to RM2,200 Back
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