January 9, 2025
For Filipino drivers, fuel expenses can account for a significant part of their monthly budget. Using a credit card tailored for fuel purchases is an excellent way to save money through cashback, rewards points, and discounts. Here, we’ll explore the top credit cards for gas in the Philippines in 2025, helping you choose the one that best suits your needs.
Citi Cashback Card
Key Features:
- 6% Cashback on groceries and supermarket purchases.
- 2% Cashback on gas stations worldwide.
- Annual Fee: PHP 4,500 (waived for the first year).
- Eligibility: Minimum income of PHP 180,000 annually.
Why It’s Great for Gas:
The Citi Cashback Card is a versatile choice, offering substantial savings for families and individuals. While the 2% cashback on fuel may not seem high compared to other cards, it applies to all gas stations worldwide, providing flexibility if you’re not loyal to a specific brand. Additionally, the generous 6% cashback on groceries makes this card ideal for households managing tight budgets.
Who Should Use It:
This card is perfect for frequent commuters and travelers who purchase fuel from a variety of stations. Its combination of grocery and fuel rewards also makes it an excellent option for budget-conscious families.
Shell Citi Card
Key Features:
- 5% Rebate on Shell fuel purchases.
- 5% Discount on Shell lubricants and Select shop purchases.
- Annual Fee: PHP 2,500 (waived for the first year).
- Eligibility: Minimum income of PHP 180,000 annually.
Why It’s Great for Gas:
If you regularly fill up at Shell, this card is a no-brainer. Its 5% rebate on fuel purchases translates directly into noticeable savings. Furthermore, the 5% discount on lubricants and Shell Select shop items adds more value for drivers who need to maintain their vehicles or grab essentials on the go.
Who Should Use It:
Loyal Shell customers and drivers who prefer Shell’s high-quality fuel and products will benefit the most. This card is also a smart choice for those who want consistent savings on their refueling and car maintenance expenses.
BPI Amore Platinum Cashback Card
Key Features:
- 4% Cashback on fuel, dining, and supermarket purchases.
- Annual Fee: PHP 5,000 (waived for the first year).
- Eligibility: Minimum income of PHP 360,000 annually.
Why It’s Great for Gas:
The BPI Amore Platinum Cashback Card combines generous cashback across multiple categories, making it a highly versatile option. With a 4% cashback rate, drivers can enjoy solid savings on fuel while also earning back on dining and grocery spending. This is especially beneficial for individuals who spend heavily in these areas.
Who Should Use It:
This card is ideal for high-income earners who want a premium credit card with comprehensive cashback rewards. It’s best suited for individuals who frequently dine out, shop at supermarkets, and drive regularly.
HSBC Red Mastercard
Key Features:
- 4x Rewards Points on dining, shopping, and fuel.
- Redeem points for fuel vouchers, airline miles, and shopping credits.
- Annual Fee: PHP 2,500 (waived for the first year).
- Eligibility: Minimum income of PHP 200,000 annually.
Why It’s Great for Gas:
HSBC Red Mastercard offers flexibility through its rewards program, which allows you to redeem points for fuel vouchers, airline miles, and more. This makes it an attractive option for those who value a variety of redemption choices. The 4x points on fuel and dining ensure that your everyday spending translates into meaningful rewards.
Who Should Use It:
This card is perfect for rewards enthusiasts who want to maximize every peso spent. Its flexible rewards structure makes it appealing to individuals who enjoy customizing their benefits based on lifestyle needs.
EastWest Everyday Titanium Mastercard
Key Features:
- 5% Rebate on fuel, supermarket, and drugstore purchases.
- Maximum rebate of PHP 1,000 per month.
- Annual Fee: PHP 2,500 (waived for the first year).
- Eligibility: Minimum income of PHP 240,000 annually.
Why It’s Great for Gas:
With a straightforward 5% rebate on fuel, this card simplifies savings for drivers. The inclusion of supermarket and drugstore purchases as part of the rebate categories makes it a well-rounded option for everyday expenses. The monthly cap of PHP 1,000 ensures predictability in savings, which can be helpful for budgeting.
Who Should Use It:
This card suits practical spenders who want consistent rewards across essential categories. It’s a good choice for individuals with moderate fuel expenses who also value rebates on groceries and medications.
How to Choose the Best Credit Card for Gas
When selecting a credit card for gas, consider these factors:
- Preferred Fuel Station: Some cards, like the Shell Citi Card, are specific to particular fuel brands. Ensure the card aligns with your usual refueling habits. If you switch between stations, a card like the Citi Cashback Card may be more suitable.
- Cashback and Rebates: Compare rebate percentages and monthly caps to determine which card offers the most savings based on your fuel expenses. High rebates may come with restrictions, so review the fine print.
- Annual Fees: Factor in whether the savings outweigh the annual fee. Many cards waive the fee for the first year, giving you time to assess their value without upfront costs.
- Additional Benefits: Look for cards offering extra perks like dining rewards, travel insurance, or supermarket cashback for added value. Cards like the BPI Amore Platinum Cashback Card and HSBC Red Mastercard provide excellent all-around benefits.
Final Thoughts
Using the right credit card for gas purchases can lead to significant savings and benefits over time. Whether you’re looking for cashback, rewards points, or exclusive discounts, the options above are among the best in the Philippines for 2025. Evaluate your spending habits, preferred fuel stations, and lifestyle needs to make the most informed choice.
If you’re interested in further exploring other credit card options, you might find the following guides helpful:
These resources provide insights into credit cards that excel in specific categories, ensuring you maximize rewards and savings across all areas of your spending.
Happy driving and saving!