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Home›Credit Card›Best Petrol Credit Card
⛽ Updated 2026

Best Petrol Credit Card Malaysia 2026

Shell 12% · PETRONAS 8% free-for-life · Any station 5% — compared & ranked

Bottom Line

Best overall: Maybank Islamic PETRONAS Ikhwan Visa Gold Card-i — 8% cashback weekends, free-for-life, no minimum spend, RM2,500/mo income.Any station: CIMB Cash Rebate Platinum — 5% at Shell/PETRONAS/any, free-for-life, RM2,000/mo income.Highest %: RHB Shell Visa (12%) but Shell only and needs RM3k/mo total spend.

Top 5 Petrol Cashback Cards 2026

#1Best Overall

Maybank Islamic PETRONAS Ikhwan Visa Gold Card-i

Maybank

8%

cashback

Station

PETRONAS only + Setel

Cap/Month

RM50/month

Annual Fee

Free for life

Min Income

RM30,000/year (RM2,500/mo)

Min Spend

None

✅ No minimum spend, halal card, free forever⚠️ PETRONAS only, weekday rate just 1%
#2Highest Rate

RHB Shell Visa Credit Card

RHB

12%

cashback

Station

Shell only

Cap/Month

RM30/month

Annual Fee

RM195 (waived with 24 swipes/year)

Min Income

RM24,000/year (RM2,000/mo)

Min Spend

RM3,000/month total spend

✅ 12% highest cashback rate, lowest income requirement⚠️ Shell only, needs RM3k/mo spend to unlock 12%
#3Most Flexible

CIMB Cash Rebate Platinum

CIMB

5%

cashback

Station

Any station

Cap/Month

RM30/month

Annual Fee

Free for life

Min Income

RM24,000/year (RM2,000/mo)

Min Spend

RM3,000/month (2% if below)

✅ Works at ANY station, 5% groceries + utilities too⚠️ RM3k/mo spend to hit 5%, RM30 cap is low
#4Weekend Champion

Maybank 2 Platinum (Amex)

Maybank

5%

cashback

Station

Any station on weekends

Cap/Month

RM50/month (shared all categories)

Annual Fee

Free for life

Min Income

RM60,000/year (RM5,000/mo)

Min Spend

None

✅ 5% on ALL weekend spend — dining, groceries, petrol⚠️ High income req, weekdays earn less
#5Premium Pick

CIMB PETRONAS Visa Infinite-i

CIMB

12%

cashback

Station

PETRONAS + Setel + EV chargers

Cap/Month

RM60/month

Annual Fee

Free for life

Min Income

RM144,000/year (RM12,000/mo)

Min Spend

RM4,000/month total spend

✅ Highest cap (RM60), covers EV charging, free forever⚠️ Very high income requirement, large spend needed

Quick Comparison Table

CardCashbackStationAnnual FeeMin Income
Maybank Visa Gold Card-i8%PETRONAS✅ FreeRM30,000
RHB Visa Credit Card12%ShellRM195RM24,000
CIMB Cash Rebate Platinum5%Any✅ FreeRM24,000
Maybank 2 Platinum (Amex)5%Any✅ FreeRM60,000
CIMB PETRONAS Visa Infinite-i12%PETRONAS✅ FreeRM144,000

Tips to Maximise Petrol Cashback

  • ▸Pair your petrol card with a Setel app account — PETRONAS Ikhwan + Setel = auto-cashback without fumbling at the pump
  • ▸If you drive to Shell every week, RHB Shell Visa pays back more raw RM if you naturally spend RM3k/month total
  • ▸CIMB Cash Rebate Platinum covers petrol + groceries + utilities — one card, multiple categories
  • ▸The RM25 government service tax applies to all credit cards regardless of annual fee waiver
  • ▸Apply for CIMB Cash Rebate Platinum first — easiest approval at RM2k/month income, broadest coverage
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Frequently Asked Questions

Which credit card gives the most petrol cashback in Malaysia?
RHB Shell Visa gives 12% at Shell (RM30 cap, needs RM3k/mo total spend). For most Malaysians, Maybank Islamic PETRONAS Ikhwan Visa Gold Card-i is the best practical pick — 8% weekends at PETRONAS, free-for-life, no minimum spend, min income RM2,500/mo.
Best free-for-life petrol credit card Malaysia?
Maybank Islamic PETRONAS Ikhwan Visa Gold Card-i (PETRONAS only, 8% weekends, no min spend) and CIMB Cash Rebate Platinum (any station, 5%, needs RM3k/mo total spend) are both permanently free.
Can I use petrol cashback cards at any station?
CIMB Cash Rebate Platinum and Maybank 2 Platinum work at all stations (Shell, PETRONAS, BHPetrol, Petron). RHB Shell is Shell-only. Maybank PETRONAS Ikhwan is PETRONAS-only. For flexibility, CIMB Cash Rebate wins.
What is the minimum income for a petrol credit card?
RM24,000/year (RM2,000/month) is the minimum for most cards including CIMB Cash Rebate and RHB Shell. Maybank PETRONAS Ikhwan requires RM30,000/year. Bank Negara mandates RM24,000/year as the absolute minimum for any credit card in Malaysia.