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

Rouselle Isla

Rouselle Isla

Last updated May 09, 2023

If you own a vehicle, a huge chunk of your budget goes toward fuel and vehicle maintenance expenses. It just 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? 

best credit card 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. 

10 Best Credit Cards for Gas in the Philippines

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: 

Shell Citi Card

best credit card for gas philippines - Shell Citi

What is the best credit card for fuel in the Philippines? Check out the Shell Citi Card if you need a credit card for your daily travels. It’s an excellent credit card option for motorists, as you can enjoy the following benefits: 

📌 Shell Citi Card Benefits

  • Fuel rebate: 5% on Shell fuel purchases
  • First swipe offer: ₱300 Shell fuel rebate on your first Shell fuel purchase (at least ₱300 spend requirement)
  • 5% rebate on Autosweep and Easy Trip load purchase 
  • 5% rebate on car accessories, repairs, and services in the Philippines
  • Up to ₱10,000 savings per year / ₱15,000 for Shell Citi Platinum 
  • 10% discount on Shell Helix Oil Change packages
  • 10% cashback on Booking.com
  • 24/7 emergency roadside assistance for Shell Citi Platinum

💸 Fees and Charges

  • Minimum monthly income requirement: ₱15,000
  • Annual fee: ₱2,500 (Gold) / ₱2,800 (Platinum)
  • Interest rate: 3%

Note: This product is sold by Union Bank of the Philippines, using certain trademarks temporarily under license from Citigroup Inc. and related group entities.


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moneymax citibank credit card gcash airpods marshall promo

Eligible cards: All Citibank credit cards

Promo period: Until June 19, 2023

Apply for any Citi credit card through Moneymax and choose your welcome gift: ₱10,000 GCash eGift, a Marshall Kilburn II portable speaker (worth ₱15,990), or Apple AirPods 3 (worth ₱10,990). Terms and conditions apply.

This Moneymax Citibank AirPods/GCash/Marshall promo runs until June 19, 2023 only. So hurry and apply today!

Note: These products are sold by Union Bank of the Philippines, using certain trademarks temporarily under license from Citigroup Inc. and related group entities.


 

Citi Cash Back Card

best credit card for gas philippines - Citi Cash Back Card

For motorists and car owners who love huge savings, you can benefit from getting the Citi Cash Back credit card as it lets you earn non-expiring cashback on all your credit card purchases. 

📌 Citi Cash Back Card Benefits

  • 0.20% rebate on fuel and other purchases
  • Up to 6% rebate on groceries and 2% on Meralco bill payments
  • Maximum rebate of ₱1,250 per month
  • Non-expiring cashback

💸 Fees and Charges

  • Minimum monthly income requirement: ₱15,000
  • Annual fee: ₱4,500
  • Interest rate: 3%

Note: This product is sold by Union Bank of the Philippines, using certain trademarks temporarily under license from Citigroup Inc. and related group entities.

Read more: Moneymax Reviews: Save on Essentials with a Citi Cash Back Card

Petron-BPI Mastercard

best credit card for gas philippines - Petron-BPI Mastercard

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

📌 Petron-BPI Mastercard 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%

HSBC Red Mastercard

best credit card for gas philippines - HSBC Red Mastercard

Aside from earning reward 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% rebate all year round
  • One 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: 4x the Fun with HSBC Red Mastercard

HSBC Gold Visa Cash Back

best credit card for gas philippines - HSBC Gold Visa

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% 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: Earn Your Cash Back with HSBC Gold Visa

HSBC Platinum Visa Rebate

best credit card for gas philippines - 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 
  • 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?

Metrobank Toyota Card

best credit card for gas philippines - Metrobank Toyota Mastercard

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 point for every ₱20 spent at a Toyota dealership
  • One reward 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%

Security Bank Complete Cashback Platinum

best credit card for gas philippines - Security Bank Complete Cashback Platinum Mastercard

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

📌 Security Bank Complete Cashback Platinum 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%

UnionBank Gold Mastercard

best credit card for gas philippines - 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%

RCBC Flex Gold Visa

best credit card for gas philippines - 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 and points faster. If you spend on gas frequently, choose it as one of your preferred categories. 

📌 RCBC Flex Visa Gold 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

Final Thoughts

Every peso counts, especially when everyone is fighting inflation. Although savings from these credit cards might be considered modest, that's still thousands of pesos saved for a whole year. 

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

Compare credit cards with Moneymax

Source: [1] Metrobank Toyota Card

Rouselle has over eight years of writing experience in the personal finance niche. She has written feature stories, articles, and how-to guides on various personal finance and trending lifestyle topics. Before that, she briefly worked in banking and was a licensed life insurance advisor. When not writing, Rouselle likes to read books and binge-watch films and series. Follow Rouselle on Linkedin.