Maximize Fuel Spend With the Best Gas Credit Cards in the Philippines

If you own a vehicle, a huge chunk of your budget goes toward fuel and vehicle maintenance expenses. It therefore makes sense to get a credit card that offers rebates, discounts, and extra perks.

Get a card that you can use to maximize payments for gas and car-related expenses. Here are your options for the best credit cards for gas in the Philippines. 

Why Get a Gas Credit Card? 

If you typically spend a lot on fuel, consider getting a gas credit card in the Philippines to receive cash back in that specific category. The best credit cards for gas allow you to earn up to a 5% rebate or as much as ₱1,000 monthly savings on your fuel purchases—something you can’t get with any regular card.

Moreover, you can easily track your fuel expenses when you charge them to your card, making it easier to stay within your budget. 

Some credit cards for gas offer free roadside assistance and other travel-related perks. You can also get discounts, rebates, and rewards when you use your card for other purchases. 

Best Credit Cards for Gas in the Philippines in 2023

Save money on gas using a credit card for gasoline that provides rebates or discounts. Here are some of your options for the best credit cards for fuel in the Philippines: 

Credit Card	Features and Benefits
HSBC Red Mastercard	6% rebate on first Caltex fuel spend and 3% rebate year-round 1 bonus point for every ₱20 spend 4x bonus points on online, shopping, dining, and overseas transactions
HSBC Gold Visa Cash Back	6% rebate on first Caltex fuel spend and 3% rebate year-round 5% cash back on dining transactions 0.50% cash back on all other purchases
Security Bank Complete Cashback Mastercard	4% cashback on gas purchases 5% grocery rebate, 3% utility rebate, 2% dining rebate, and 1% shopping rebate Up to ₱12,000 cashback per year
Petron BPI Card	3% fuel rebate at Petron Free ₱200 fuel voucher welcome gift
RCBC Flex Gold Visa	2x rewards points in your three preferred categories, including gas Rewards points for all your other spending Free Purchase Protection, travel insurance coverage, and airport lounge access

Check out more details and options below:

HSBC Red Mastercard

Aside from earning rewards points for all your credit card spending, you can enjoy fuel savings when you gas up at Caltex fuel stations with your HSBC Red Mastercard. 

📌 HSBC Red Mastercard Benefits

• 6% rebate on your first Caltex fuel purchase with your HSBC Red Mastercard 
• 3% fuel rebate all year round
• 1 bonus point for every ₱20 spend 

💸 Fees and Charges

• Minimum monthly income requirement: ₱16,667
• Annual fee: ₱2,500 (waived for the first year)
• Interest rate: 3%

See also: Moneymax Reviews: Enjoy 4x the Fun with HSBC Red Mastercard

HSBC Gold Visa Cash Back

Want more savings with your every purchase? Get the HSBC Gold Visa Cash Back credit card to earn rebates on fuel, plus cashback on all your other transactions all year round. 

📌 HSBC Gold Visa Cash Back Benefits

• 6% rebate on your first Caltex fuel purchase with your HSBC Gold Visa Cash Back 
• 3% fuel rebate all year round
• 5% cash back on dining transactions, 1% on department store and overseas transactions, and 0.50% on all other transactions

💸 Fees and Charges

• Minimum monthly income requirement: ₱16,667
• Annual fee: ₱2,500 (waived for the first year)
• Interest rate: 3%

Read more: Moneymax Reviews: Earn Your Cash Back with HSBC Gold Visa Cash Back

HSBC Platinum Visa Rebate

If you love to shop, travel, and earn rebates, the HSBC Platinum Visa Rebate card is perfect for you. Aside from earning rebates for fuel, you get rebates for shopping, travel, and all other transactions.

📌 HSBC Platinum Visa Rebate Benefits

• 6% rebate on your first Caltex fuel purchase with your HSBC Platinum Visa Rebate card 
• 3% fuel rebate all year round
• 5% rebate on your shopping and travel spend 
• 1% rebate on insurance and 0.50% on all other transactions

💸 Fees and Charges

• Minimum monthly income requirement: ₱41,667
• Annual fee: ₱5,000 (waived for the first year)
• Interest rate: 3%

Related reading: Is HSBC Platinum Visa Rebate the Best Travel and Shopping Credit Card?

Security Bank Complete Cashback Mastercard

You can also opt for the Complete Cashback Platinum credit card from Security Bank. Aside from rebates for groceries and utilities, you can also earn cashback for gas purchases. 

📌 Security Bank Complete Cashback Card Benefits

• 4% cashback on gas purchases 
• 5% grocery rebate, 3% utility rebate, 2% dining rebate, and 1% shopping rebate
• Up to ₱12,000 cashback per year 

💸 Fees and Charges

• Minimum monthly income requirement: ₱65,000
• Annual fee: ₱3,000
• Interest rate: 3%

Read more: Security Bank Complete Cashback Platinum: Rebates and Perks Review

Petron BPI Card

There’s no better partner credit card on the road than the Petron BPI Card. It’s one of the best credit cards for gas stations, as it offers fuel rebates at Petron stations nationwide. 

📌 Petron BPI Card Benefits

• 3% fuel rebate at BPI-accredited Petron stations
• Up to ₱15,000 fuel rebate per year
• Free fuel voucher worth ₱200 for new cardholders
• Credit to cash, cash advance, and multiple installment options 

💸 Fees and Charges

• Minimum monthly income requirement: ₱15,000
• Annual fee: ₱1,550 (waived for the first year)
• Interest rate: 3%

UnionBank Gold Mastercard

Another credit card ideal for gas purchases is the UnionBank Gold Mastercard. If you like to shop, travel, and save money on gas while you’re at it, get this credit card today. 

📌 UnionBank Gold Mastercard Benefits

• 1% cashback on all purchases, including fuel purchases 
• 0% interest installment payment plans
• Up to ₱400,000 free life insurance coverage

💸 Fees and Charges

• Minimum monthly income requirement: ₱30,000
• Annual fee: ₱2,500
• Interest rate: 3%

Read more: Moneymax Reviews: UnionBank Gold Visa vs Gold Mastercard

UnionBank Platinum Mastercard

Earn cashback quickly on your fuel spend with the UnionBank Platinum Mastercard. The best thing is that there's no limit to how much cashback you can earn! Also, meet the minimum spend requirement after card approval to get free cashback worth ₱5,000.

📌 UnionBank Platinum Mastercard Benefits

• 1% cashback on all purchases, including fuel purchases 
•  ₱5,000 free cash back when you spend a minimum of ₱40,000 within 60 days after card approval
• Free lounge access at NAIA Terminals 1 and 3
• Up to ₱400,000 free life insurance coverage

💸 Fees and Charges

• Minimum monthly income requirement: ₱50,000
• Annual fee: ₱3,000
• Interest rate: 3%

RCBC Flex Gold Visa

Get the RCBC Flex Gold Visa if you want more flexibility in your credit card. With its preferred categories, you can earn 2x rewards points faster. If you spend on gas frequently, choose it as one of your preferred categories. 

📌 RCBC Flex Gold Visa Benefits

• Double rewards points in your three preferred categories, including gas, grocery, travel, household appliances, and department store 
• Rewards points for all your other spending 
• Free Purchase Protection, travel insurance coverage, and airport lounge access

💸 Fees and Charges

• Minimum monthly income requirement: ₱50,000
• Annual fee: ₱3,000
• Interest rate: 3%

Read more: Moneymax Reviews: Flex Your Financial Savvy with RCBC Flex Visa

Metrobank Toyota Card

Motorists who want more out of their credit cards can explore the Metrobank Toyota Card,^[1] which lets you earn rebates and rewards and access exclusive promos. 

📌 Metrobank Toyota Card Benefits

• 3% fuel rebate at over 500 participating Petron stations (up to ₱15,000 per year)
• 10% discount on parts, accessories, and labor at any Toyota dealership
• Double rewards points for every ₱20 spent at a Toyota dealership
• 1 rewards point for every ₱20 spent, which can be redeemed for air miles
• 24/7 roadside assistance

💸 Fees and Charges

• Minimum monthly income requirement: ₱15,000
• Annual fee: ₱2,500
• Interest rate: 3%

How to Choose the Best Credit Cards for Gas in the Philippines

The best fuel credit card varies per person—we all have different needs and lifestyles, after all. Here are some factors to consider:

• Annual fees - Can you afford the card's annual fee? Check if the provider waives fees during the first year or upon meeting a minimum spend requirement.
• Rewards or cashback - Would you prefer to earn points and redeem exciting gifts, or earn rebates and save money? Either way, check the minimum spend required to start earning points or cashback. Check if there's a cap as to how much you can earn as well. 
• Welcome gifts - Depending on your chosen provider, you can get free gadgets, points, cashback, or other welcome gifts when you apply and get approved. Note that some banks require a minimum spend requirement within a certain period for this as well.
• Other charges - Consider other fees for making late or multiple payments, going over your credit limit, requesting a cash advance, or replacing your card. 

Compare each card's features carefully before making a decision. 

Read more: Moneymax Welcome Gift Promo: No Annual Fee Forever + Max Rewards for U

Final Thoughts

Every peso counts! Although savings from these credit cards might be considered modest, that's still thousands of pesos saved for a whole year. 

So compare your options and choose the best credit card for gas in the Philippines. Combine your discounts, rewards, and rebates to save money whenever you fuel up. 

Source: ^[1] Metrobank Toyota Card