This thread is for all to post and share how they benefit from their credit cards at petrol stations.

I usually pump at Esso/Mobil where I have their Smiles Card. For every Ringgit I pump at Esso/Mobil, I earn 1 Smiles Point and for every 1000 Smiles points I can redeem for RM15 petrol. That's equivalent to 1.5% cash back. The Esso Smiles Card is FREE, just walk into any Esso Petrol Station and fill up a form and you'll get the card on the spot.

With Maybankard 2 American Express, I will get 5X Treats Points points everyday at all Petrol Stations but Petronas generally don't accept Amex. The 5X TP is equivalent to about 2% cash back in terms of voucher. Therefore adding this 2% with Esso Smiles points, I'll get 3.5% cash back. So you can see that OCBC + Smiles Card combination is better on weekdays.

On weekends, Maybankard 2 Amex gives you 5X Treat Points plus 5% cash back. Add the Esso Smiles Points, you will get back 2% (with 5X TP) + 5% cash back (with Maybankard 2 Amex) + 1.5% cash back (in terms of Esso petrol with Smiles Points) = 8.5% cash back equivalent

Only set back with the Esso Smiles Points is that you only get points for fuel only unlike Bonus Link card where you can earn points at Shell when purchasing engine oil at the counter. Would appreciate those pumping at Shell with Bonus Link post and share how they benefit from the combination.


Cards that benefits you when you pump petrol.

Ambank Carz - 2% cash back at ALL petrol stations, monthly cap at RM20 for petrol (no outstanding balance).
Citibank Cash Back Platinum Visa or MAsterCard - 5% cash back at ALL petrol stations, monthly cap RM30 for petrol.
UOB One Card Visa Classic or Platinum - 5% Cash Back capped at RM30/month.

Maybank Petronas Visa at Petronas Only - 5X TP or approximately 2% returns. No monthly cap. And on weekends up to 8X TP for Petrol and Groceries.
CIMB Petronas earns you 2% cash back at Petronas and 5% every 1st of the month.

American Express Gold Credit Card - 5X Membership Reward equivalent to 2.5% cash back. No monthly cap.
Maybankard 2 Cards American Express - 5XTP equivalent to approximately 2% returns plus extra 5% cash back on weekends . No cap for TP but cash back capped at RM50/month including petrol.
American Express Cards - 2X Membership Reward equivalent to 1% cash back. No monthly cap.
Click here to see petrol stations that accept Amex.

OTHER CREDIT CARDS for Petrol - please understand the terms and conditions of the cash back mechanism before signing up.

HSBC MPower Amanah CAsh Back Credit Card


Public Bank Visa Esso Gold cash back is based on tiers at ESSO/Mobil only (please refer to alexwsk post #67)
< = RM100 0.5%
>RM100 - RM200 1.0%
>RM200 - RM500 2.0%
>RM500 - RM800 3.0%
>RM800 5.0%

Update April 2011

Citibank Shell credit Card - thanks to gerrardling see post #144

Basically you have to spend retail to get your higher rebate on your fuel purchases.
RM250 x 4% = RM10 rebate per month
RM500 x 6% = RM30 rebate per month
RM800 x 8% = RM64 rebate per month

Basically, you should get the card based on the petrol pumped per pump at Shell....
Only at RM800 per month would you get RM64, more than other cash-back CC (RM50 for OCBC Titanium/Maybankard2 AMEX)

To qualify for Tier 1, you need to spend RM50 per month + RM250 Shell fuel to get RM10 back... which is nett 3.33% Cash Back
To qualify for Tier 2, you need to spend RM500 per month + RM500 Shell fuel to get RM30 back... which is nett 3.00% Cash Back
To qualify for Tier 3, you need to spend RM1700 per month + RM800 Shell fuel to get RM64 back... which is nett 2.56% Cash Back

Ctibank Shell card rebate keep decreasing if u spend more because there are no rebates for other spending except for Shell fuel. The actual rebate is certainly less than 4%


Reward Cards that are to be used together with credit cards.

Esso Smiles - 3000 points = RM45 petrol or 1.5% cash back.
Petronas Mesra - approximately 0.5% cash back based on fuel redemption. See post #24.
Bonuslink at Shell only - approximately 0.5% returns based on Parkson voucher. See post #36.

Thanks to zenquix, alexwsk, David83, ch_teo, Alec.Yong, bob for their contribution to the above info.

Update June 2011

ESSO Smiles - Revised redemption points for fuel.

UOB One Card - now with 5% cash back for ALL Petrol Stations UOB One Card - 5% cash back everyday at ALL petrol station is great.


Update August 2011



Click here to read my short article titled The Best Credit Cards for Petrol 2012.


Update October 2014:


Click here to me article titled The Best Cash Back Credit Card Combination where I have a section for Petrol.


And click here to read my review of the Maybank Islamic MasterCard Ikhwan Credit Card which is FREE FOR LIFE and gives you 5% csah back for petrol.

This post has been edited by Gen-X: Oct 31 2014, 09:05 PM

The Citibank CB Plat should get mentioned due it 5% cash back as well.. Just that the entire package is :S

You must be crazy enough to be purchasing engine oil at petrol station mart. You can easily save 40% or more when you buy from spare parts shop or even hypermarket at times.

My car is using petronas mach5 (20w-50).
Petronas stations sell at RM69.
But I bought from my father's friend who is a tauke of bike workshop, only RM38 nia. Guaranteed genuine.

haha, well usually I don't even buy engine oil at Petrol stations but I guess I do pay for high price for engine oil since I only service my cars at the car service centres. The last time I had to buy engine oil was when my stupid old volvo suddenly the engine oil when down and was at shell and the guy asked me got bonus link, that's why I know can use bonus link at shell for engine oil. My new car comes with 3 years full free service including engine oil

so andrekua, what card you use for petrol?

your bike shop can use credit card?

This post has been edited by Gen-X: Mar 19 2011, 11:30 PM

Nope, cash term only.
It's so obviously cheaper than gas stations, don't bother can swipe credit card or not already lor~

I use OCBC + Smiles card. I used Smiles cos my company fleet card under my name (cos nobody wanna register) and use it to get free drinks, wiper, rain-x, etc.

If you frequent a spare part shop often, they will let you 'look' (swipe) card without charging extra.

Good point there, can also use Smiles points to redeem for other stuff besides petrol.

OT: You use rain-x too Now raining season again, for those not familiar with Rain-X, go read read about it by clicking below.

Click here to read my article titled Rain-X Wipers Sunglasses at Ringgit Wise Fool.

This post has been edited by Gen-X: Mar 20 2011, 12:24 AM

LOL... I dont believe it too. Until recently whereby my customer was applying it to his father in-law car and test it for me to see. My intention was not about not having to wipe or having the water flew away by the force of the wind. Its just that, my vios has very poor visibility on drivers and passenger side window as well as side mirrors. After applying it, now no problem to see in the rain. The dispersing water make it less likely to fog.

I have been using Rain-X since 2002.
IIRC, the price was about RM19.90 for twin pack. I sapu 5 twin packs back home

So cheap?
Then I tio slaughtered buying those single pack for RM19 (1st bottle) and two more bottles for RM22 each. All using Smiles points. Those bottles also looks different from the one that Gen-X showed.

Oh God, now come out Spray type Rain-X already
Mine is still bottle type, need to pour out one.
The twin pack RM19.90 is very hard to come by, you just need to shop around hypermarkets very often to discover them.

how much need to pay to apply OCBC titanium ?

OCBC Titanium MasterCard credit card. You don't need to pay OCBC anything to apply for the card. Click below link to OCBC Titanium thread.

http://forum.lowyat.net/topic/1791215

use Petronas maybank CC ..
5x treatpoints & can redeem with petronas petrol voucher

can you also use the Mesra card with MBB Petronas CC and earns points for both cards? If yes, can you also elaborate how the redemption i.e. how many points = RMvoucher or RMfuel both MBB Petronas and Mesra.

This post has been edited by Gen-X: Mar 21 2011, 04:03 PM

dunno la .. coz i don't hv mesra kad.
but saw few times other people swipe Mesra kad after using P/M cc

next time you go Petronas, I suggest you ask if can also use Mesra card together with your MBB Pet, if can why not get it and earn some points too.

MBB Petronas can use together with Mesra card.
1 litre = 1 mesra point

IINM the answer is YES.
Because I recalled a content of MBB Petronas card talking about "Earn extra Mesra point everytime you use MBB petronas card at Petronas stations".

However, things may have changed.

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Added on March 21, 2011, 8:20 pm1L = 1 Mesra point is very stingy
Best petrol loyalty card now is SMILES card

This post has been edited by chemistry: Mar 21 2011, 08:20 PM