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

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

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

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

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

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.

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.

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

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

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

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.

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.

yes that should be the case

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

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).

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 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?

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

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

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

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