MyFuelCost
Petrol cashback calculatorKalkulator pulangan tunai petrol
Malaysian petrol cards advertise up to 12% cashback. Almost nobody gets 12%, because every card puts a hard ringgit ceiling on it. Set your monthly fuel spend below and see what each card actually pays you after that cap and its annual fee. Kad petrol Malaysia mengiklankan pulangan tunai sehingga 12%. Hampir tiada siapa dapat 12%, kerana setiap kad ada had ringgit yang ketat. Tetapkan perbelanjaan minyak bulanan anda di bawah dan lihat berapa sebenarnya setiap kad bayar selepas had dan yuran tahunan.
Priced at this week's RON95 of RM1.99/L. Berdasarkan RON95 minggu ini RM1.99/L.
How much petrol cashback can you actually get?Berapa pulangan tunai petrol yang anda boleh dapat?
Every card caps it monthly, so the biggest percentage rarely wins.Setiap kad ada had bulanan, jadi peratusan tertinggi jarang menang.
Drag to match what you actually pump in a month. Seret untuk padankan dengan minyak sebenar anda sebulan.
| CardKad | RateKadar | You getAnda dapat | After feeSelepas yuran |
|---|
Assumes you meet each card's minimum monthly spend; weekend-tiered cards assume 30% of fuel is bought on weekends. Rates last checked 2026-07-27. Card terms change — confirm with the bank before applying. This is a comparison, not financial advice. We may earn a commission if you apply through our link. Mengandaikan anda memenuhi perbelanjaan minimum setiap kad; kad hujung minggu mengandaikan 30% minyak dibeli hujung minggu. Kadar disemak 2026-07-27. Terma kad berubah — sahkan dengan bank sebelum memohon. Ini perbandingan, bukan nasihat kewangan. Kami mungkin menerima komisen jika anda memohon melalui pautan kami.
Why the highest percentage usually loses Mengapa peratusan tertinggi biasanya kalah
A cashback rate on its own tells you almost nothing. What matters is the monthly cap, because that is the point where the card stops paying you. A card offering 12% with a RM30 cap gives you nothing beyond RM250 of fuel. A card offering 8% with a RM50 cap keeps paying until RM625. Kadar pulangan tunai sahaja tidak bermakna. Yang penting ialah had bulanan, kerana di situlah kad berhenti membayar. Kad 12% dengan had RM30 tidak memberi apa-apa selepas RM250 minyak. Kad 8% dengan had RM50 terus membayar sehingga RM625.
Then subtract the annual fee. A RM195 card has to return RM195 of cashback before you are even level, which at a RM30 monthly cap takes more than half the year. A free card with a lower rate is very often ahead by December. Kemudian tolak yuran tahunan. Kad RM195 perlu memulangkan RM195 sebelum anda pulang modal, dan dengan had RM30 sebulan itu mengambil masa lebih separuh tahun. Kad percuma dengan kadar lebih rendah selalunya menang menjelang Disember.
The last catch is the minimum spend. Most top rates only apply if you put RM1,500 to RM3,000 a month through the card in total, not just on fuel. Below that you drop to a fallback rate that can be as low as 0.2%. The table above assumes you meet each minimum, and shows you what it is. Perangkap terakhir ialah perbelanjaan minimum. Kebanyakan kadar tertinggi hanya terpakai jika anda membelanjakan RM1,500 hingga RM3,000 sebulan melalui kad itu, bukan minyak sahaja. Di bawah itu anda jatuh ke kadar serendah 0.2%. Jadual di atas mengandaikan anda memenuhi setiap minimum, dan menunjukkannya.
Every card in this comparisonSemua kad dalam perbandingan ini
Cards whose monthly cap we could not confirm are left out, because the maths does not work without it. Kad yang hadnya tidak dapat disahkan tidak disenaraikan, kerana pengiraan tidak sah tanpanya.
| CardKad | RateKadar | Monthly capHad bulanan | Min spendBelanja min | Annual feeYuran tahunan |
|---|---|---|---|---|
|
Maybank Islamic Petronas Ikhwan Visa Gold-i
|
8% | RM50 | — | FreePercuma |
|
RHB Shell Visa
|
12% | RM30 | RM3000 | RM195 |
|
CIMB Cash Rebate Platinum
|
5% | RM30 | RM3000 | FreePercuma |
|
UOB ONE Card
|
10% | RM15 | RM1500 | RM168 |
|
Maybank 2 Platinum (Amex)
|
5% | RM50 | — | FreePercuma |
|
HSBC Amanah MPower Platinum-i
|
8% | RM15 | RM2000 | RM240 |
Common questionsSoalan lazim
Which petrol credit card is best in Malaysia?
There is no single answer, because it depends on what you spend. Every card caps petrol cashback monthly, so the best card at RM150 of fuel a month is often not the best card at RM600. Set your actual spend in the calculator above and the ranking changes accordingly.
Why does a 12% cashback card pay less than a 5% one?
Because of the monthly cap and the annual fee. A 12% card capped at RM30 stops paying once you have pumped about RM250 of fuel, giving you at most RM360 a year, and if it charges a RM195 annual fee you keep RM165. A free card at 5% with a RM30 cap keeps the full RM360.
What is the minimum monthly spend on a petrol cashback card?
Most cards need between RM1,500 and RM3,000 of total monthly spend, across all categories and not just fuel, before the headline rate applies. Below that you fall to a much lower fallback rate, sometimes as little as 0.2%. Cards with no minimum are usually the safer choice unless you already put a lot through one card.
Is petrol cashback worth it at all?
For most Malaysian drivers it is worth between RM100 and RM360 a year, which is real but modest. It is worth choosing the right card if you already use one; it is not worth taking on an annual fee or changing where you pump for.
Does cashback apply to subsidised RON95?
Cashback is calculated on what you pay at the pump, so a subsidised RON95 fill earns cashback on the lower subsidised amount. Because Budi95 already cuts the price, the ringgit value of your cashback falls too, which is another reason the monthly cap rarely binds for light users.