Maximize Your Fuel Spend: 10 Best Gas Credit Cards in the Philippines

If you own a vehicle, a huge chunk of your budget most likely goes toward fuel and vehicle maintenance expenses. It therefore makes sense to get a credit card that allows you to maximize payments specifically for fuel and car-related expenses, offering rebates, discounts, and extra perks.

Discover 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, discounts, or points for that specific category. With such a card, for instance, you can get as much as ₱1,000 monthly savings on fuel—something you can’t get with any regular card.

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. 

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

10 Best Credit Cards for Gas in the Philippines in 2024

Take a look at some of the best credit cards for fuel, which offer rebates, rewards, and discounts: 

Credit Card	Features and Benefits
UnionBank Platinum Mastercard	1% cashback on all purchases, including fuel purchases  Free lounge access at NAIA Terminals 1 and 3
HSBC Red Mastercard	6% rebate on your first Caltex fuel purchase; 3% fuel rebate all year round Up to 4x rewards points on shopping, dining, online, and overseas spend
HSBC Gold Visa Cash Back	6% rebate on your first Caltex fuel purchase; 3% fuel rebate all year round 5% cash back on dining transactions 1% cash back on department store and overseas transactions 0.50% cash back on all other transactions
Security Bank Complete Cashback Mastercard	4% cashback on gas purchases  5% grocery rebate 3% utility rebate 2% dining rebate 1% shopping rebate
Petron BPI Card	3% fuel rebate at BPI-accredited stations (up to ₱15,000 fuel rebate per year) Free fuel voucher worth ₱200 for new cardholders

Check out more details and options below:

UnionBank Platinum Mastercard

Earn cashback quickly on your fuel spend with the UnionBank Platinum Mastercard. There's no limit to how much cashback you can earn! You also earn cashback at the same rate of 1% for all other spending categories.

📌 UnionBank Platinum Mastercard Benefits

• 1% cashback on all purchases, including fuel purchases 
• Free lounge access at NAIA Terminals 1 and 3

💸 Fees and Charges

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

HSBC Red Mastercard

Aside from earning rewards points for all your credit card spending, 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; 3% fuel rebate all year round
• Up to 4x rewards points on shopping, dining, online, and overseas 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

Do you like going on road trips to discover new restaurants? Get the HSBC Gold Visa Cash Back credit card to earn rebates on fuel, plus up to 5% cashback on dining transactions. 

📌 HSBC Gold Visa Cash Back Benefits

• 6% rebate on your first Caltex fuel purchase; 3% fuel rebate all year round
• 5% cash back on dining transactions
• 1% cash back on department store and overseas transactions
• 0.50% cash back 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

Security Bank Complete Cashback Mastercard

You can also opt for the Complete Cashback Platinum credit card from Security Bank. Aside from rebates for gas purchases, earn cashback for groceries, utilities, dining, and shopping. You can earn up to ₱12,000 cashback per year!

📌 Security Bank Complete Cashback Card Benefits

• 4% cashback on gas purchases 
• 5% grocery rebate
• 3% utility rebate
• 2% dining rebate
• 1% shopping rebate

💸 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 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 Shell Power Visa Platinum

Do you frequent Shell more than Petron? Go for the hottest new credit card for gasoline—the UnionBank Shell Power Visa Platinum. Aside from earning rebates on fuel, you get to enjoy complimentary roadside assistance and discounts on oil change.

📌 UnionBank Shell Power Visa Platinum Benefits

• 5% rebate on Shell fuel, tollway load, and auto repair services (capped at ₱15,000 yearly)
• 10% discount on Shell Helix Oil Change
• 2x rewards points for every ₱20 spent at Toyota dealerships
• Complimentary 24/7 emergency roadside assistance

💸 Fees and Charges

• Minimum monthly income requirement: ₱15,000
• Annual fee: ₱2,800
• Interest rate: 3%

Metrobank Toyota Card

Motorists who want more out of their credit cards can explore the Metrobank Toyota Card,^[1] which offers rebates, discounts, and rewards on fuel and other car-related spend. Get access to exclusive deals not just at Toyota, but also at Petron!  

📌 Metrobank Toyota Card Benefits

• 3% fuel rebate at participating Petron stations (capped at ₱15,000 yearly)
• 10% discount on parts, accessories, and labor at Toyota dealerships
• 2x rewards points for every ₱20 spent at Toyota dealerships
• 24/7 roadside assistance

💸 Fees and Charges

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

RCBC Flex Gold Visa

Get the RCBC Flex Gold Visa if you want flexibility in your credit card. Choose up to three preferred categories where you can earn 2x rewards points. If you spend on gas frequently, choose it as one of your preferred categories. 

📌 RCBC Flex Gold Visa Benefits

• 2x points in three preferred categories: gas, grocery, travel, household appliances, or department store 
• Free travel insurance coverage
• Access to PAGSS Lounge in NAIA Terminals 1 & 3

💸 Fees and Charges

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

Related: Moneymax Reviews: Flex Your Financial Savvy with RCBC Flex Visa

EastWest Visa Platinum

Another credit card ideal for gas purchases is the EastWest Visa Platinum. If you like to shop, travel, dine, and save money on gas while you’re at it, get this credit card. Enjoy a huge cash back rate on a wide variety of categories! 

📌 EastWest Visa Platinum Benefits

• 8.88% cashback on fuel, department store, dining, travel, vehicle rental, and even utility spend (capped at ₱1,250 monthly)
• 0.3% cashback on all other categories
• Worldwide offers on shopping, dining, travel, and golf

💸 Fees and Charges

• Minimum monthly income requirement: ₱83,333
• Annual fee: ₱3,600
• 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:

• Get a UnionBank Welcome Gift: Cash Credits or Wireless Earbuds
• Your Metrobank Welcome Gift: Cash Credits, Coffee Machine, or Soundbar

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