AFFIN BHPetrol Mastercard

A BHPetrol-only cashback card with a higher monthly cap

The AFFIN BHPetrol Mastercard is mainly for drivers who already refuel at BHPetrol. It can give decent cashback if you use it on weekends, but it is not a very flexible petrol card. The rewards are tied to one fuel brand, and the best weekend rate depends on the previous balance shown in your AFFIN BHPetrol credit card statement.

On weekdays, the card gives 2% cashback on purchases made at BHPetrol stations. On weekends, the cashback rate depends on your previous statement balance. You get 10% cashback if the previous balance is RM3,000 or above, or 5% cashback if the previous balance is below RM3,000. Cashback is capped at RM50 per month and applies only to BHPetrol station purchases.

The RM50 monthly cap is the main reason this card is worth a look. At the 5% weekend rate, you would need about RM1,000 of eligible BHPetrol spending to max out the cashback. At the 10% weekend rate, you would hit the cap with about RM500 of eligible spending. That sounds good, but the 10% rate is not automatic. You need the required previous balance to qualify.

This is where the card becomes more situational. Many petrol cashback cards have lower monthly caps, but they often cover more spending categories, such as dining, groceries, e-wallet or utilities. If your petrol cashback would only be around RM15 to RM30 per month, a broader cashback card may be easier to justify. The AFFIN BHPetrol Mastercard only starts to stand out if you regularly refuel at BHPetrol and can make proper use of the higher RM50 cap.

For spending outside BHPetrol, the card is weak. Other retail spending earns only 1X AFFIN Rewards Point per RM1, so it is not a card you would normally use for general purchases.

The card supports Google Pay. The minimum income requirement is RM24,000 per year. The principal card annual fee is RM150, waived for the first year. After that, the fee is waived if you spend at least RM24,000 per year or complete 12 retail transactions per year.

Verdict: The AFFIN BHPetrol Mastercard is only worth considering if you already refuel at BHPetrol and can shift petrol spending to weekends. Its RM50 monthly cashback cap is better than many lower-cap petrol cards, but the card is narrow. If you want petrol cashback together with dining, groceries, e-wallet or utilities, a broader cashback card will usually be easier to use.