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Discounts from fuel credit card help you deal with volatile petroleum prices




Pump prices of petroleum products are shifting almost on a weekly basis, but as long as the cost of loving your car is headed down south there is really no problem for the motorist. 
 
It’s a different story when fuel prices are going up.
 
Luckily, there are fuel credit cards that give you discounts on your fuel purchases. 
 
Many banks offer special co-branded cards that give rebates each time you gas up and in almost any filling station that include those owned by Shell, Petron, and Chevron/Caltex. 
 
Here’s a guide to fuel rebate credit cards in the Philippines that can help you save thousands of pesos and take advantage of dealership and service station discounts.
 
 
  • Fuel rebates: 3 percent at Petron fuel stations
  • Extra features: Free P200 fuel voucher with your new card, 10% discount on Petron lubes and auto services, 24-hour price shield
  • Annual fee: P1,550
  • Maximum rebates: P15,000 a year
If you’re a fan of Petron, this is the card for you. Get 3 percent off your total fuel bills in 478 affiliated Petron stations or practically anywhere in the country. 
 
Each time you spend P2,000 to fill up your gas tank, P60 will be deducted from your credit card bill. 
 
The 24-hour price shield is a killer feature shielding you from an oil price increase for 24 hours after Petron makes an announcement.
 
Apart from the 10 percent discount on lubes and oils, the Petron-BPI MasterCard gives you discounts on car accessories and resort-hotel partner merchants.
 
 
 


 
 
  • Fuel rebates: 3 to 5 percent (5 percent if you charge as much as P10,000 on your card)
  • Extra features: 5 percent rebate on SLEX and NLEX toll fees, 5 percent rebate on all auto repairs, accessories and services nationwide, 24-hour roadside assistance
  • Annual fee: P2,500
  • Maximum rebates: P6,000 year (Classic), P12,000 a year (Gold)
This card gives you up to P12,000 a year on fuel and toll road rebates. Spend P10,000 in outlets other than Shell, NLEX/SLEX and car shops to get a 5-percent rebate when you buy Shell petroleum products.

For every P2,000 you spend on gasoline you accumulate P100 that does not expire. Just call the CitiPhone hotline to redeem your rebates. If you accumulate P1,000, the amount will be credited to your next billing statement.
 
The cashback doesn’t just apply to fuel purchases. You get a 5 percent rebate from ePass load credits on SLEX or from Easytrip credits on NLEX, as well as on auto repairs in any shop or service center anywhere in the country.
 
Shell Citi Card also includes a 24-hour roadside assistance for emergencies anywhere in the Philippines. Alas, there is a P2,000 limit per service.
 
 
 


 
 
  • Fuel rebates: 5 percent in any fuel station
  • Extra features: 10 percent discount in all authorized Hyundai dealerships, free P1,000 Hyundai welcome voucher with your new card, 0.5 percent rebate on other retail purchases, motorist roadside assistance
  • Annual fee: P1,600
  • Maximum rebates: P1,000 a month including non-fuel cashback rewards
 
If you own a Hyundai car this co-branded motoring card may be the right one for you. 
 
Claim rebates as cash credits, Hyundai Gift Vouchers, Rustan’s Department Store gift certificates or annual membership fees.
 
 
 
 
 
  • Fuel rebates: 3 percent fuel rebate in Petron fuel stations
  • Extra features: 10% discount in all Toyota dealers, double points at your preferred Toyota dealer, 24/7 roadside assistance
  • Annual fee: P2,000
  • Maximum rebates: P15,000 a year
For Toyota car owners this is the motorist card. Along with a 3 percent fuel rebate that translates to P60 for every P2,000  worth of gasoline, you get to save 10 percent on genuine parts, accessories and labor in Toyota service centers.
 
Your card earns one reward point for every P20 you spend in any merchant outlet, and two rewards points for every P20 you spend in your preferred Toyota dealer.
 
The 24/7 roadside assistance includes up to P3,000 in towing fee, minor on-site repairs, LTO registration assistance, and information service in Metro Manila.
 
 
 
  • Fuel rebates: 3% fuel rebate in Phoenix filling stations
  • Extra features: P500 fuel voucher when your card is approved, 10 percent discount on Phoenix lubricants and services, 24-hour towing and roadside assistance
  • Annual fee: P1,500
  • Maximum rebates: P10,000 a year
Phoenix Petroleum is an independent oil company. Its 412 gas stations as of September 2014 are mostly in Mindanao.
 
The card also offers discounts in UnionBank’s merchant partners, and every peso spent is converted into rewards.
 
 
 

 
  • Fuel rebates: 3 percent fuel rebate in Caltex stations
  • Extra features: 10 percent rebate on the first Caltex transaction with the new card
  • Annual fee: P1,200 (Red), P2,500 (Gold), P5,000 (Platinum)
  • Maximum rebates: P600 a month
In case you’re not up to having an exclusive fuel credit card, HSBC credit cards offer up to 3 percent rebates in all Caltex stations from Abra to Zamboanga. You save P60 for every P2,000 worth of gasoline charged to your card. Only up to P20,000 of fuel transaction per month will earn a rebate. Rebates are credited to your statement of account in the month immediately after the month of your transaction.
 
Apart from fuel discounts, HSBC’s Red card offers shopping discounts, and the Platinum cards earn airline miles. 
 
 
The right fuel credit card can you save thousands of pesos each year. To maximize your rebates make sure you know how much you’re eligible to get per month, or per year.
 
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