ways to save money on gas l Moneymax

Having a car is indeed a big convenience. Grocery tips are made easier. You can easily go on lunch dates with your friends during the weekend. And it’s a big help during emergencies, especially when you need to take a sick family member to the hospital.

But come to think of it, your car is also a big money-eating machine. How many times have you taken a deep breath after looking at your fuel receipts?

Major oil companies usually catch motorists off guard by unceremoniously announcing they’ll increase their fuel prices. As of this writing, local oil companies have raised their diesel and gasoline prices by PHP 1.80 per liter and PHP 0.90 per liter, respectively. Meanwhile, kerosene prices have gone up by PHP 2.30 per liter.[1]

Smart drivers know what to do to save on fuel costs: make fewer trips, avoid rush hours, ensure proper tire pressure, and consider carpooling. But if you want to stretch your fuel budget, the good news is there are more ways to save money on gas that you can add to your arsenal of fuel-saving techniques.

10 Smart Ways to Save Money on Gas

You can save money when gassing up mainly by using loyalty cards and getting rebates. Nevertheless, you can also cut corners by employing commonsensical solutions, such as reducing your car’s load and choosing more affordable gas stations. Read on to get the details.

1. Use your Pag-IBIG Loyalty Card

ways to save money on gas - use your pag-ibig loyalty card

Did you know that using your Pag-IBIG loyalty card is one of the ways to save money on gas? Earn peso points every time you purchase 5 liters of Petron fuels and engine oils at participating outlets.[2]

To register for this rewards program, just type REG <space> 1430+12-digit PagIBIG MID no. <space> FirstName/MI/LastName <space> Birthday (MM/DD/YYYY) and send it to 09175671111.

Example: REG 1430987654321780 JOSE/R/CRUZ 01/31/1979

2. Get a Fuel Rebate Credit Card

Fuel rebate credit cards allow you to earn up to 5% rebate, or as much as PHP 1,000 monthly savings on your fuel purchases—something you can’t have with any regular card. Save money on gas using a credit card that provides rebates.

EastWest Bank Hyundai Mastercard

ways to save money on gas - EastWest Bank Hyundai Mastercard
  • Fuel rebate: Up to 5% at any gasoline station in the Philippines
  • 0.5% rebate on local retail purchases
  • Accumulated rebates may be redeemed for any of the following rewards:
    • Vouchers for products and services at any authorized Hyundai dealership
    • Rustan’s Department Store gift certificates
    • Cash credits
    • Annual fee waivers
  • Maximum rebate: PHP 1,000 within the period covered per statement date
  • Free Hyundai gift voucher worth PHP 1,000 for new cardholders
  • Annual fee: PHP 2,000
  • Interest rate: 2%

Read more: Credit Card Dos and Don’ts: What Should You Do and Not Do with Your Card?

HSBC Credit Cards

HSBC Credit Card - Apply here
  • Fuel rebate: 3% at participating Caltex stations; 6% for the first fuel purchase
  • Maximum transaction eligible for rebates: PHP 20,000 per month
  • Gasoline rebates apply to all HSBC cards: Red Mastercard, Gold Visa Cash Back, Platinum Visa Rebate, Advance Visa, and Premier Mastercard.
  • Earn bonus points that you can use to redeem Rewards items or miles
  • Annual fees:
    • Red Mastercard: PHP 2,500
    • Gold Visa Cash Back: PHP 2,500
    • Platinum Visa Rebate: PHP 5,000
  • Interest rate: 2%

Metrobank Toyota Mastercard

ways to save money on gas - Toyota Mastercard
  • Fuel rebate: 3% at over 500 participating Petron stations
  • Maximum rebate: PHP 15,000 per year
  • 10% discount on parts, accessories, and labor at any Toyota dealership
  • Double rewards points for every PHP 20 spent at a Toyota dealership
  • One rewards point for every PHP 20 spent using the Toyota Mastercard, which can be redeemed for air miles
  • 24/7 roadside assistance
  • Annual fee: PHP 2,500 (waived for the first year)
  • Interest rate: 2%

Petron-BPI Mastercard

ways to save money on gas - Petron-BPI Mastercard
  • Fuel rebate: 3% at BPI-accredited Petron stations
  • Maximum rebate: PHP 15,000 per year
  • Free fuel voucher worth PHP 200 for new cardholders
  • Annual fee: PHP 1,550 (waived for the first year)
  • Interest rate: 2%

Read more: Money-Saving Credit Card Hacks

Shell Citi Card

ways to save money on gas - shell citi card
  • Fuel rebate: Up to 5% on Shell fuel purchases
  • 5% rebate on NLEX and SLEX toll fees
  • 5% rebate on car accessories, repairs, and services in the Philippines
  • Maximum rebate: PHP 10,000 per year
  • Annual fee: PHP 2,500
  • Interest rate: 2%

Most fuel rebate credit cards help maximize savings only if you gas up with the partner oil company of your issuing bank. If you’re not loyal to a single oil company, consider getting one of these credit cards with rebates on fuel purchases at any gasoline station.

Read more: 5 Tactics to Acquire More Credit Card Points

Citi Cash Back

ways to save money on gas - citi cash back
  • 0.20% rebate on fuel and other purchases
  • Up to 6% rebate on groceries and 2% on Meralco bill payments
  • Maximum rebate: PHP 1,250 per month
  • Annual fee: PHP 3,500
  • Interest rate: 2%

EastWest Bank EveryDay Titanium Mastercard

ways to save money on gas - EastWest Bank EveryDay Titanium Mastercard
  • Up to 5% fuel rebate
  • Up to 5% rebate on groceries and medicines
  • Maximum rebate: PHP 1,000 per month
  • Annual fee: PHP 2,800
  • Interest rate: 2%

Security Bank Complete Cashback Mastercard

ways to save money on gas - Security Bank Complete Cashback Mastercard
  • 4% fuel rebate
  • 5% grocery rebate, 3% utility rebate, 2% dining rebate, and 1% shopping rebate
  • Maximum rebate: PHP 1,000 per month
  • Annual fee: PHP 3,000
  • Interest rate: 2%

UnionBank Platinum Mastercard

ways to save money on gas - UnionBank Platinum Mastercard
  • 1% rebate on fuel and all other purchases
  • No rebate limit
  • Cashback you earn does not expire
  • Annual fee: PHP 3,000
  • Interest rate: 2%
Need a credit card - compare now

3. Sign Up for a Fuel Discount Card

On top of a fuel rebate credit card, you can increase your fuel cost savings with a gasoline discount card offered by an oil company, mall, or automobile association. Here are some options to consider.

Automobile Association Philippines (AAP)-Caltex SavePlus Discount Card

  • Save up to PHP 2 per liter when you gas up at Caltex Philippines stations.
  • The card costs PHP 100 and makes you an eligible member of the AAP.

Petron Value Card

ways to save money on gas - petron value card
  • Earn Petron Peso Points each time you buy Petron products, such as fuels, Gasul LPG, and lubricants using cash, credit cards, and debit cards.
  • Year-round personal accident insurance
  • 24-hour towing and roadside assistance
  • Entitles you to money-saving fuel promos and discounts
  • The card costs PHP 50.

Go Rewards Card by Robinsons

  • Earn one point for every purchase of 5 liters of fuel at Caltex.
  • The card costs PHP 100.


  • Save up to PHP 1 with every rewards point, which is earned with every PHP 100 fuel purchase.
  • Accumulated points can be redeemed for cash or fuel products at participating SEAOIL stations.

SM Advantage Card

  • Earn one rewards point for every PHP 250 spent on Shell fuel products.
  • Accumulated points can be used for purchases in SM stores and partner establishments.
  • The card costs PHP 200 at SM department stores and supermarkets.

4. Use a Fleet Card for Your Small Business

Do you manage a fleet of vehicles for your small enterprise? A fleet card[3] is a useful cost-saving option, whether you run a catering business, delivery service, bakery, trucking business, car rental company, or any business that uses two or more vehicles and consumes 1,000 to 5,000 gallons monthly.

Fleet cards provide discounts on fuel purchases and auto maintenance and repairs at participating gas stations and dealerships. They also help small business owners control their fuel expenses. For example, you can limit fuel purchases to diesel-only to lessen the chances of your employees to use your company fleet card for personal use.

Oil companies such as Caltex, Petron, SEAOIL, and Shell offer fleet cards to business owners in the Philippines.

5. Use the PriceLOCQ App (If You’re a SEAOIL Patron)

ways to save money on gas - pricelocq app

SEAOIL users, heads-up! In case the update didn’t reach you, SEAOIL has developed an app that’s one of the ways to save money on gas. It’s called PriceLOCQ. According to SEAOIL, it’s the country’s first and only mobile app that protects drivers from price hikes. So how does it work?

The PriceLOCQ app lets you buy fuel in advance. You can buy your gas at today’s prices, store the purchase in your app, and redeem it at a later time. So, if there’s news  that fuel prices will increase tomorrow, you can use the app to “lock” SEAOIL’s current price and then get the gas whenever you like. This way, you’re able to evade the impending price hike.

Transactions are quick and contactless. You can redeem your fuel at SEAOIL’s 250+ participating stations nationwide by just having your QR code scanned.

The PriceLOCQ app is available on the Google Play Store and the Apple App Store. When you create an account, you also get a free PHP 30 voucher.

PriceLOCQ also comes with a separate platform for businesses that manage fleets of vehicles. Through its web portal, fleet owners can track fuel distribution, manage their vehicles and drivers, and buy fuel via multiple payment channels.

6. Use an Online Gas Delivery App

ways to save money on gas - Online Gas Delivery App

Gas delivery apps are still a rarity in the Philippines, but they definitely have a future. If you’re looking for an alternative way to purchase gas, apps like Gasmee is definitely worth trying. Through this app, you can order your gas online and have it delivered right at your doorstep whenever you need it.  

With this app, there are two ways to save money on gas. First, you don’t have to drive to the fuel station to gas up. Second, you can take advantage of the app’s competitive pricing.[4] Gasmee claims that app users pay the same price as what’s offered at the gas station. There’s also no minimum order required. One of the most appealing features of this app is that it doesn’t have membership fees.

Gasmee is currently available on the Google Play Store. The development of its iOS version is also already underway.

7. Reduce Your Load

The heavier the cargo, the more fuel your car burns. This is because the weight of the additional load forces your car to accelerate more. Things even get trickier when your car is traveling uphill.

Remove unnecessary baggage from your trunk, such as your big toolbox. You may also want to remove roof racks if they’re not needed for the trip. As much as possible, don’t accommodate more passengers than your car can actually carry.

8. Go Premium When Refueling

This may sound counterintuitive, but using premium gas may improve fuel economy. For some cars, higher octane fuel may improve gas mileage, which translates to savings.[5] 

Remember that this benefit greatly depends on the kind of car you have. If you make a switch to a regular fuel but your car actually needs premium, you can’t expect big savings. Since your car’s engine isn’t designed to handle regular fuel, your car will burn fuel faster than usual.

9. Close the Gas Cap Tightly

Something as simple as this can help you save on gas costs. Fuel evaporates. And when your gas cap isn’t tightly shut, it escapes from your car. Thus, your car loses gas faster than expected.

10. Try Cheaper Fueling Stations  

ways to save money on gas - cheaper fueling stations

The price of the same kind of fuel varies from station to station. If you notice, fuel prices are much higher at gas stations along the highways and expressways. You can try gassing up at the likes of Eastern Petroleum, SEAOIL, and Unioil if you want to save more. Smaller local players, such as family-owned and under-the-radar filling stations, may also offer quality fuels at a much more reasonable price.

Final Thoughts

The fluctuating fuel costs are a painful reality that every car owner faces. Thankfully, there are some practical ways to save money on gas.

Once you’ve adopted the techniques above, the next thing that you need to do is to track your fuel economy. This way, you’ll  know if what you’re doing is actually effective.

You can track personal fuel usage the traditional way by writing down the mileages of your trips. While you’re at it, collect your fuel receipts and calculate how much money you’ve spent within a given period. You can also go for more modern solutions, such as using a fuel-tracking app.

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