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.

---

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

This is why I finally change to Esso/Mobil, unless there is 10X point again for MBB Petronas card...

so how many Mesra Points required to redeem say RM10 fuel?

With MBB Petronas 5X TP, it gives us about 2.5% in return. Well actually can be more during MBB Treats Fair and if I not mistaken if we go redeem it at MBB outlet at 1U.

100 points to redeem RM1 fuel.

Thank you. So if 1 liter fuel cost Rm1.90 then we get back 0.526%. Add this to MBB Petronas CC 5X TP, we can get more than 3% in return.

By the way I do have both MBB Petronas card and Mesra card but I never bothered to check the mesra card as I only use petronas on the Plus highways.

Now combining OCBC Titanium MasterCard with Mesra card, we do get more than 5.5% in returns

This post has been edited by Gen-X: Mar 21 2011, 09:32 PM

i thought esso smile card also can redeem other stuff wa.. http://www.esso-mobil-smiles.com.my/en-my/..._household.aspx

yup, andrekua mentioned that earlier, go to 1st page.

This post has been edited by Gen-X: Mar 23 2011, 09:54 PM

How to redeem stuffs from Mesra card?

I found out that MyMesra page is kind of useless. No product redemption catalogue.

I just use the mesra points for petrols.

Mind educate me on how to do that? Do I need to fill in any form?

Just walk to the counter and ask the cashier to check how many points or how much (in ringgit) are stored inside your card. If you want to use them for petrol, just tell them so.

This post has been edited by Human Nature: Mar 23 2011, 10:01 PM

you can also slot the cd in the self service card terminal will do....provided u have lots of points to change for petrol

ah yes, that too

Anybody use Bonuslink? Seems like it's not a good card for pumping petrol in terms of returns %.

I use Bonuslink when I have no choice but to go to Shell, but I don't know how the points are awarded. Anyone care to explain in detail about the returns we get from Bonus Link.

For Shell with Bonuslink:

http://www.bonuslink.com.my/participant/pa...ils.asp?id=0001

Points Structure
1L Shell fuels = 1 Point
25% Bonus Points with Shell V-Power Racing

Bonus Points Chart
Monthly Purchase (litre) | Bonus Points
>500 | 150
251 - 500 | 75
125 - 250 | 25

RM1 = 1 Point (for all lubricants)

Bro, I ask you for details on returns. Looks like I have to work it out myself. I have checked and can't redeem for fuel. So I 'll base on voucher 4950 bonuslink points = RM50 Parkson

If 1liter fuel = RM1.90 which equates to 4950 liters x RM1.90 = RM9405 on fuel to get RM50 Parkson voucher or 0.53%

Therefore with both OCBC Titanium and Citibank Plat Casb Back (as zenquix pointed out) we get approximately 5.5% cash back at Shell when use together with BonusLink.

So, this means if Shell accepts Amex. Then I use MBB2 Amex to pay during weekend... get 5% rebate + 5xTP (equivalent to 2.5%) + 0.5% from Bonuslink = total 8% return?

yes that should be the case

Wow... can you imagine how much people are losing out when they pay cash? Sometimes I read comments people say they prefer to use cash for everything, and that cash is king, can get cash discounts etc.

that's why we have this new sub section called Credit Cards & Debit Cards and this thread to share with all.

would be nice if you guys can post at below thread and say this new sub-section is helpful
http://forum.lowyat.net/topic/1788138/+20

and support to make this sub-section Credit Card & Debit Card tidy but supporting for a new Mod at link below:
http://forum.lowyat.net/topic/1805994

OCBC titanium can really get 5% cashback for petrol? i thought 5% from balance outstanding only, which usually coz u to pay more on interest charge.

Well, that may be applicable to Ambank Carz and Citi Shell where you get more if you have outstanding balance.

OCBC Titanium and Citibank Cash Back Platinum really reward you 5% cash back at any Petrol stations for fuel except that OCBC monthly cash back is capped at RM50 and Citi Cash Back have RM30/month for petrol. Maybankard 2 American Express gives you 5XTP everyday at petrol stations and additional 5% cash back on weekends (cash back also capped at RM50/month).

can AMEX used in Petronas? Coz I found some website saying yes.some say no..so i m confusing. Any 1 can confirm this?

Majority of them do not accept AMEX.

so amex cant be use it as widely as visa n mastercard .

Generally, it's true.

will be gettin the mbb2 cards soon,
i guess my citi plat for fuel need to be cont, here in jb ocbc in town area really inconvenient to find place to park although its so near my place.

First time going to Shell and tried paying using CC with bonuslink card with these steps:

1. Insert bonuslink card at the slot. Green indicator light appears.
2. Remove bonuslink card when the indicator light dissappers.
3. Insert CC and card will be processed and then remove Cc.
4. Start pumping and collect receipt thereafter.

Q1. Is this the correct way so that my bonuslink card is read properly ie. able to get the points?
Q2. Is it possible to key in how much in RM that I wanna pump? I tried pressing the numeric keys after Step 3, but nothing is displayed on the screen.

No station attendant on site, thus unable to seek assistance. Anyone can help? Thanks

If the Bonuslink is not swiped properly, it won't ask you to insert CC if I'm not mistaken. However, the point system is not updated instantly like Mesra card. Even their online system takes ages to get it updated.

Petronas's kiosk is more user friendly is the sense that the card will be 'auto-kicked' from them slot indicating that it has been read properly.

I also plan to use the cc in Shell, but I do not have a bonuslink card. Is it necessary that the first step must always be the bonuslink card? If it's just the credit card, should be fine, I guess?

As Human Nature puts it, I would also like to know if we can preset the amount of petrol that I want to pump.

Thank you

This post has been edited by fuu: Mar 27 2011, 11:02 PM

The menu will ask you to put either Bonuslink or CC. If you don't have Bonuslink, skip that and directly slot in your CC.

david83: alright, thanks

Can anyone gives some examples of Petronas station (specific location) that does not accept Amex for swipe? I am gathering some info for feedback.

From a respond received:


This post has been edited by Human Nature: Mar 28 2011, 11:04 AM

how about BHP station ? do they accept AMEX ?

BHP accept AMEX, i tried it at jln genting kelang station.

How to apply for Smiles card? Can do it over the counter? Will I get the card instantly like Petronas Mesra card?

Card is attached with the form.
So, yeah, it can be used right away.

missed this post earlier thanks muchimuchi

Walk into any Esso/Mobil station and fill in the form and you'll get the card on the spot, same same like Mesra card.

i prefer to pay with credit card when purchasing fuel coz i dun have to walk to the counter and pay~ just pay at the pump~ if dun like cc, use debit card la~

I use my CC at the terminal but I still got to go counter and get the free bottled water at Esso stations

anyway, I updated the 1st post, anyone want to add or improve on it?

How come you can get a free bottled water? Got ongoing promo or what?

The stations in my area give free bottled water if pump above RM50. Check out yours.

last time used to give out tissue box, now give bottled water?

may i know which area are u in?

Last time caltex also give bottled water, but not anymore..

@gen-x, PB Esso Mobil Visa Gold, spending at Esso Mobil only
< = 100 0.5%
>100 - 200 1.0%
>200 - 500 2.0%
>500 - 800 3.0%
>800 5.0%

Smiles card gives better deal in term of petrol refilling: RM 1 fuel == 1 point

Mesra and Bonuslink (ordinary fuel) only gives 1 litre = 1 point

Not sure Star card from Caltex.

additional 3% cash rebate for PB-Esso Mobil Gold Credit Cards cardholders until 31 March 2011.(ystday )
meaning total 8%

This post has been edited by soonlee33: Apr 1 2011, 12:32 PM

Since I'd been out of action for so long, the only card I remain loyal to is Amex so I use that

hi guys ,
i'm using Shell most of the time , but cant decide which one better between

1) American Express Gold Credit Card
2) Maybankard 2 Amex

currently i'm using Maybankard Visa / Mastercard w Bonuslink card ..
any sifus to compare btwn both cards and suggest recommendation ..

Maybankard 2 AMEX way better than AMEX Gold CC.

AMEX Gold CC only earns you 5X Membership reward points or 2.5% cash rebate with redemption

MBB 2 AMEX not only you earn 5X Treats Points which also gives you equivalent of 2.5% cash back in terms of cash voucher but you earn 5% cash back on Saturday and Sunday.

Please also see read first post.

This post has been edited by Gen-X: Apr 3 2011, 08:42 AM

haha. ya
actually got few esso station giving free mineral bottled water when purchase rm50 petrol

@Gen-X,
Haf U swapped ur Amex Gold CC for the MBB 2 Amex? Maybe I should do a swap too since my Gold CC is up for renewal in Jul 2011.

I got my Maybankard 2 Amex on 18th February 2011. AMEX Gold CC in drawer pending confirmation that all my phone auto debit have been successfully transferred before I cancel it.

Click here to read my post title - My Application for Maybankard 2 Cards.. You should get the Maybankard 2 Cards immediately, within a month, I have accumulated 50K+ Treats Points which enable me redeem RM250 cash vouchers if I want

This post has been edited by Gen-X: Apr 4 2011, 08:24 PM

@Gen-X,
Lol... Perhaps because U spend damn a lot of $? oK.. I'll look into it - need to pay any fees or not?

You really must have been busy to have not read the benefits of Maybankard 2 Cards. Click link below to read my review of Maybankard 2 Cards where I also compare it to OCBC Titanium MC. Maybankard 2 Card is Free For Life just like AMEX Gold CC but many many times better where you get 5X TP for ANY transaction PLUS 5% cash back on weekends for ANY transactions too.

http://creditcardsmalaysia.blogspot.com/20...an-express.html

pls take note, shell citibank has change their rebates structure tht is only for shell purchases. the have not update their websites.
i've cancelled it due to not much benefits anymore.

most if not all of the amex holders here have oledi switch to or apply M2 AMEX

nice info
by the way what do you mean the entire package is :S ???
care to elaborate?

dont apply for shell credit card. u only get 2.5% cash rebate for gold card and 1.5% cash rebate for classic. better use amex where u can get 5% at weekend at ALL petrol station that accept amex

not only that, to get max rebate with the Citi Shell, got to have balance carried forward

End of this year I gotta terminate the PBB Esso Card. Feel like it don't help me at all since the petrol is tier base. Every month I pumo >200 only entitle 2% , feel like nothing at all !

Yah, if you don't pump much, make more sense to go get PBB Esso Debit card and save of GST.

True also , gonna set aside some money for the new PBB Esso Debit so I don't stuck and cannot pump. Gen-X , if pump ron97 in Esso/Mobil Station,will it entitle double point or remain the same ?

same same as Smiles points based on RM1 = 1 Smiles point

This post has been edited by Gen-X: Apr 5 2011, 01:27 PM

Thank you so much for your reply. Appreciate it so much bro.. today go pump Esso ROn97 first to play play with my car , just got salary xD

@WhiteWing,
Hmm.. RON97 expensive lah - Y not just stick to RON95?

RM2.70/liter ady

@beyond86,
I know. That's why I'm asking @WhiteWing why he's using RON97. Well maybe he drives a sports car and need the power

My poor car's fed RON95 since office no longer pays for my petrol

Well , I was thinking all the time for my car to have a better quality of fuel.
I'm just driving a Perodua Viva 850CC , no need so much power actually,I just wanna take care of my wife and feed her with better fuel.
My office gave me RM500 fixed allowance every months as travel allowance.
I calculate yesterday. If I pump 15L of RON95,my mileage per KM is RM 0.09,then if I pump 15L of RON97,my mileage per KM is RM 0.11. I feel the diff is only 2 cent,why not pump RON97,well that just my opinion. , please comments

Yup

whitewing,

so sure R97 give u better mileage?
by right no significant differences as the r97 are good for performance engines.

I tested it before ... that why I can come out with the calculation.

As for me, I feel that if the driver travels a lot and even have to travel around during peak hours getting caught in traffic jams, RON95 somehow offers much more savings in the long run. I've switched to RON95 as well since the raise to RM2.50/L.