AEON Card Merdeka Special Rebate on Petrol

The New AEON Credit Card is the only AEON card that gives 5% cash rebate to its cardholders on last Sunday of each month. In conjunction with the Merdeka Day celebration, AEON is extending the 5% cash rebate on petrol purchase in all petrol stations in Malaysia to all existing Principal and Supplementary Credit Cardholders from 23rd August until 1st September 2014.

All existing Principal and Supplementary Credit Cardholders listed below are eligible to enjoy the savings on petrol purchase except for AEON Prepaid MasterCard Cardholder:

1. NEW AEON Gold Visa/MasterCard
2. NEW AEON Classic Visa/MasterCard and Jusco Gold/Classic Visa
3. AEON WATAMI Classic Visa
4. AEON Gold Visa/MasterCard
5. AEON Classic Visa/MasterCard
6. Cruize Gold/Classic Visa
7. Motorcycle Visa Gold and Japan Club Gold

To participate in this campaign, eligible cardholders are required to spend at any petrol station in Malaysia during the campaign period. The maximum cash rebate awarded for purchases made by Principal and Supplementary Cardholders shall be capped at RM 50 per month. 

Transactions made by a Supplementary Cardholder will be aggregated with those of the Principal Cardholder but only the Principal Cardholder will be entitled to enjoy the redemption of the rebate on fuel Spent. The total rebate earned will be indicated on the monthly statement of account addressed to the Principal Cardholder.Rebate on Fuel spent will be reflected in the following month’s statement.

Hong Leong Debit Card Balik Kampung Promotion

In conjunction with the upcoming CNY holidays, Hong Leong Bank is having a "Balik Kampung" promotion for its Debit Card, starting from 15th January until 30th April 2014.

Just swipe with your Hong Leong Debit Card or Touch 'n Go Zing Debit Card and stand a chance to win a SmartTAG. There are a total of 100 SmartTAG up for grabs. Each Cardmember is only entitled to win 1 SmartTAG. Cardmembers are automatically entitled to earn unlimited number of contest entries based on the following criteria performed during the promotion period:

Criteria	Contest Entry
Every RM 50 spent in a single receipt with Hong Leong Debit Card	1 Entry
Every RM 50 auto-reload into a Touch ‘n Go Zing Debit Card	5 Entries
Apply for Touch ‘n Go Zing Debit Card (Linked to Hong Leong Debit Card)	20 Entries

For the second promotion, you just need to pump petrol for a minimum of RM 50 in a single receipt with your Hong Leong Debit Card to get 10% cash back in the following petrol stations:

1. BHP
2. Caltex
3. Petron
4. Petronas
5. Shell

The cash back is capped at RM 5 per receipt and a maximum of RM 50 per Cardmember throughout the promotion period. Total cash back payout is capped at RM 80000 throughout the promotion period on a first-come-first-serve basis. The cash back will be credited into the Cardmembers’ CASA no later than 31st July 2014.

This is a great promotion especially for those who are travelling back to hometown during the CNY holidays. With Hong Leong Debit Card, You can get 10% cash back for petrol purchase and stand a chance to win a SmartTAG worth RM 120 at the same time.

AmBank CARz Credit Card

AmBank CARz Card is a credit card that caters for motorists and packaged with all auto related benefits. It is packed with discounts, rebates and value added services to address all your regular auto-related requirements.

AmBank CARz Card is available under the following choice of cards:

1. Platinum MasterCard - min annual income RM 60000 and above
2. Gold VISA Card - min annual income RM 24000 and above

The features of CARz Card are:

1. Cash rebate on any petrol brand.
2. 12 months 0% easy payment plan for road tax and AmGeneral insurance renewal
3. Earn 1 CARz Point for every RM 1 retail spending
4. CARz Points accumulated can be used to redeem auto-related goods and services
5. Special package of AmDrive Care Personal Accident (PA) coverage
6. Auto-related privileges vouchers worth more than RM 300 upon card approval
7. Free for life with no conditions attached

The cash rebate for petrol brand transactions will be calculated as below:

AmBank CARz Platinum MasterCard	AmBank CARz Gold Visa Card
Revolvers (pay min or partial) 5% rebate, capped at RM 80 rebate per month Transactors (pay in full) 2% rebate, capped at RM 20 rebate per month	Revolvers (pay min or partial) 3% rebate, capped at RM 80 rebate per month Transactors (pay in full) 2% rebate, capped at RM 20 rebate per month

You can get up to 5% rebate on petrol purchase if you do not settle your monthly statement in full, e.g. your statement balance RM 500 but you pay RM 499. You do not need to pay for the interest as 1.5% of RM 1 is only RM 0.015 which will be round down to RM 0. Besides, you can also collect points which is equivalent to 0.5% rebate.

Caltex Journey Card

The Journey card from Caltex is a free loyalty card that rewards you every time you purchase petrol at selected Caltex Stations. The Journey card has partnered with BCARD where you can earn and redeem points at various merchants.

Every petrol (RON95/ RON97) purchase of 1 litre will earn you 1 reward point. Mart item purchases are not entitled for reward points. There must be a minimum of 100 reward points accumulated before redemption can be made. You can redeem for petrol (RON95/ RON 97), c-store items and lubricants but not for diesel.

Other than that, the Journey card just acts like an ordinary BCARD. To earn reward points at BCARD participating merchants, just present your Journey card at the counter every time you pay. You can redeem your points for desired purchases at any of the BCARD participating merchants as well.

To apply for Journey card, you just need to follow 3 simple steps below:

1. Visit the nearest participating Caltex station and fill in the application form.
2. Submit your completed form at the payment counter.
3. Collect your new journey card on the spot.

Petrol Saving Tips

Other than using petrol rebate credit card and comparing petrol stations' reward points, I would like to share with you on some tips of how to save your petrol consumption. These do not require additional cost and we can start saving immediately by practising good habit.

1. Keep your tyres at the right pressure. Correctly inflated tyres are safer and last longer. A tyre that is under inflated by 10% can reduce petrol economy. An under or over inflated tyre is also more susceptible to failing.
2. Lose weight. Every extra pound or kilogram matters and affects your petrol efficiency. So keep your boot and back seat clear of unnecessary items that just add weight to your vehicle.
3. Maintenance. Get your car serviced regularly according to the manufacturer's schedule to maintain engine efficiency and make sure you use the right specification of engine oil.
4. Avoid excess idling. Idling gets you nowhere but still burns petrol. Turn the engine off when you’re in a queue, or waiting for someone. As a rule if you think you will be stopped for more than 10 seconds, switch off your engine.
5. Plan trips carefully and avoid the rush hour. Cutting down on the time spent in the car is the easiest way to conserve petrol. To reduce driving time, combine all your short trips and errands into a single journey. Plus, if you can travel outside of peak times, you’ll spend less time stuck in traffic and consume less petrol as a result.
6. Consider alternatives. If it's a short journey (a couple of kilometres or so) could you walk or cycle rather than taking the car?
7. Slow down. The faster you drive, the more petrol your car uses.
8. Pace your driving. Unnecessary speedups, slowdowns and stops can increase petrol consumption. Stay alert and drive steadily, not erratically. Keep a reasonable, safe distance from the car ahead of you and anticipate traffic conditions. 
9. Use air conditioning sparingly .Air conditioning puts added load on the engine and uses petrol to operate, so limit use to particularly hot days.
10. Petrol matters. All petrols are not the same.  Your petrol economy can be improved through a combination of good driving habits and using the right petrol for your car.

Top 10 Petrol Cash Rebate Credit Cards

The price for RON95 petrol and diesel went up by 20 sen per litre from 12.01am today. This means RON95 would now cost RM 2.10 while diesel will cost RM 2.00 per litre. So if you're spending RM 300 per month on petrol, you would need to pay extra RM 30 every month from now on.

How can we minimize the impact of petrol hike to our expenses? Firstly, you can consider switching petrol stations as each petrol station has its own reward system as I shared previously. Secondly, you can consider to apply for a credit card that gives you good rebate on petrol.

This is the top ten list (not by ranking) of petrol rebate credit cards that I compile:

Card	Rebate	Cap	Terms & Conditions
HSBC Amanah MPower Visa Platinum Credit Card-i	8% max	RM 100	Saturday and Sunday, RM 2001 and above
SCB JustOne Platinum MasterCard Credit Card	15%	RM 48 max	Everyday, RM 2999 and above
Shell-Citi Gold Credit Card	8% max	RM 64 max	Everyday, RM 2500 and above, Shell petrol station
PB-Esso Mobil Visa Gold Credit Card	5% max	RM 50	Everyday, RM 800 and above, Esso/Mobile petrol station
Maybank Islamic PETRONAS Ikhwan Visa Gold Card-i	8x TP	-	Saturday and Sunday, Petronas petrol station
Maybankard 2 AMEX	5% + 5x TP	RM 50	Saturday and Sunday, all petrol stations that accept AMEX
Hong Leong Wise Credit Card	10%	RM 100	Minimum 10 swipes of RM 50 and above
UOB One Card	5% + 2% SmartCash	RM25	Everyday, BHP petrol station
OCBC Titanium MasterCard	5%	RM 50	Everyday, all petrol station
CIMB Petronas Gold MasterCard	5%	RM 50	Every first weekend, Petronas petrol station

If you still use cash or normal credit card (RM 2 = 1 point) to pay for petrol, you should get one of the cards listed above. Select a card that is suitable for you according to your montly expenses, monthly petrol purchase amount and your choice of petrol station. 

For monthly petrol consumption of RM 500 and below, I would recommend you UOB One Card, OCBC Titanium MasterCard or Maybankard 2 AMEX. The reason is that these cards give high rebates and do not impose minimum monthly spend or swipes.

SCB JustOne Platinum MasterCard Credit Card

Standard Chartered Bank (SCB) was giving out 15% cash back for petrol to all new cardholders for a period of 6 months in its previous promotion. Now, SCB has launched a new card, the JustOne Platinum MasterCard Credit Card, that gives you 15% rebates at all petrol stations for life!

To be eligible for the 15% rebates, you just need to spend a minimum of RM 999 per month in retail purchases and you will receive petrol cash back up to RM 576 per annum. You will enjoy petrol cash back in the following situations:

Monthly Retail Purchase	Monthly Cap	Annual Cash Back
RM 999 to RM 1999	RM 28	RM 336
RM 1999 to RM 2999	RM 38	RM 456
RM 2999 and above	RM 48	RM 576

Retail purchases must be posted to your account within a particular month to be included towards meeting the monthly minimum requirement of RM 999 per month. If a transaction is posted in the following month, it will only be included in the following month's calculation. 360° Reward Points are not applicable for this card.

For new to SCB customers, you can apply online and get RM 300 cash back. For existing customers or customers who apply through branch and roadshow, you can get RM 105 cash back.

10% Cash Back at All Petrol Stations with RHB Travel Money

RHB is giving out up to 10% cash back for petrol purchase at all petrol stations nationwide with its Travel Money Credit Card, starting from 1st August until 31st October 2013.

This is how the cash back works for Travel Money cardmembers during the campaign:

Spending	Cash Back	Reward Point
Petrol Purchases during 1st weekend of the month  (3 – 4 Aug, 7 – 8 Sep, 5 – 6 Oct 2013)	10%	No points
Petrol Purchases during other weekends of the month	5%	No points
Petrol Purchases during weekdays	2%	No points
Spend on flight tickets, travel packages, car rental, duty free & sea cruise packages  (purchased in Malaysia)	No	RM 1 spent = 2 points
Other Retail Spend (Excluding Petrol, Cash Advance, Balance Transfer, Fees and Charges)	No	RM 1 spent = 1 point

The cash back is based on on 20% of total monthly retail spend which includes retail purchases, petrol, utilities, dining and travel expenditure. Maximum cash back is RM60 per month for both Principal and Supplementary Card. The cash back earned will be credited into the Principal cardmembers’ account.

If you're RHB Travel Money cardmembers, this is a good time to spend with your Travel Money to get cash back on petrol purchases and collect reward points on others!

Happy Day Campaign with Petronas Maybankard

If you're loyal customers for Petronas petrol, this would be a happy news to you! The Happy Day Campaign for Petronas Maybankard started from 1st November 2012 to 28th February 2013.

During the campaign period, every RM1 spent in all Petronas stations or groceries will earn 8x TreatsPoints everyday while every RM1 spent for other purchases will earn 5x TreatsPoints everyday as well. Please take note that it is not applicable for spending at other petrol stations.

During the campaign, the actual cash rebate you're able to get for petrol filling is 4.5%, for groceries is 4.0%, for other transactions is 2.5%. The best part is that there is no capping nor restriction on earning the TreatsPoints.

These are the features of Petronas Maybankard Visa & Ikhwan Visa:

• Earn 5x TreatsPoints for all purchases made at Petronas stations for weekdays and 8xTreatsPoints for every weekend (Saturday & Sunday)
• Free for life (No annual fees)
• Free petrol with TreatsPoints when you redeem with PETRONAS GiftCard
• Free Maybankard Touch n’ Go Zing Card – Get this automatic reload card that is linked to your PETRONAS Ikhwan Visa
• Etiqa Mutiara Takaful Plus Plan provides you with both protection and investment at only RM10 per month
• Enjoy Mesra points at all Petronas stations

Comparison of Petrol Station Reward System

Most Malaysians have private vehicles instead of using public transport. Therefore petrol price is always a major concern for most of us. Are you interested to find out which petrol station actually offer the best reward system?

Update 3/9/13:
Most of the Esso and Mobil petrol stations have already been rebranded as Petron.

I have come out with a table that lists out all 5 major petrol stations available nationwide, ranking of rebates are from left (highest) to right (lowest), comparison & rebate calculation are based on RON95 petrol.

Petrol Station	Esso/Mobil	BHP	Petronas	Shell	Caltex
Reward Card	Smiles	eCard	Mesra	Bonus Link	-
Point Earning	1 point/RM	1 point/RM	1 point/litre	1 point/litre	-
Petrol Redeemable	Yes	Yes	Yes	No	-
Actual Rebate	1.5%	0.9%	0.5%	0.5%	-

It is very clear that Esso/Mobil offers the best reward system with 1.5% of rebate, follows by BHP, then Petronas & Shell.