
HSBC TravelOne Credit Card
S$196.20
Updated: 13 May 2026
Senior Content Editor - Singapore

Before you hit the road, ensure you have these five essentials. For those first time driving to Malaysia, missing even one of these can result in being turned back at the border.
Valid Passport: At least 6 months validity.
Driving License: A valid Singapore Class 3 or 3A license.
Vehicle Entry Permit (VEP): A mandatory RFID tag registered to your vehicle.
Touch ‘n Go (TNG) eWallet/Card: For toll payments and the Road Charge (RC).
3/4 Tank of Petrol: A legal requirement for all Singapore cars driving to Malaysia.
As of May 2026, the VEP is strictly enforced. All foreign-registered vehicles must have a VEP-RFID tag installed.
How to apply: Register via the official JPJ VEP portal.
Penalty: Driving without a VEP can result in a fine of RM300 or being barred from entering/exiting the country.
Pro-Tip: Link your VEP to your TNG eWallet immediately to ensure seamless deduction of the RM20 Road Charge.
Under the Customs Act 1967, Singapore-registered vehicles must have at least three-quarters of a tank of petrol when leaving Singapore.
Enforcement: Singapore Customs performs regular checks at both Woodlands and Tuas.
Penalty: If caught, you may be issued a composition sum of up to S$500 and ordered to turn back.
When you self drive to Malaysia from Singapore, your expenses usually fall into two categories: Petrol and Dining/Shopping. Choosing the right card can offset your travel costs.
| Card Type | Best For | Key Benefit |
| UOB One Card | Fuel Savings | Up to 22.66% savings at Shell and SPC + up to 5% cashback on all retail spend. |
| OCBC 365 | All-round Utility | 6% cashback on fuel (local/overseas) and 5% on everyday dining. |
| Maybank Family & Friends | Cross-border | 8% cashback on Malaysian ringgit spend (MYR) and "Automotive" category. |
| YouTrip / Trust Card | Exchange Rates | Best for TNG eWallet top-ups and shopping without FX fees. |
The payment landscape has shifted toward digital. While physical TNG cards still work, the NFC-enabled Enhanced TNG card is now the standard for easier top-ups via your phone.
| Location | Singapore Side (LTA) | Malaysia Side (TNG/VEP) | Total (Approx. SGD) |
| Woodlands (Causeway) | S$0.00 | RM20.00 (Road Charge) | ~S$6.00 |
| Tuas (Second Link) | S$2.10 (Flat Rate) | RM20.00 (RC) + RM4.00 (Toll) | ~S$9.30 |
Standard motor insurance covers West Malaysia, but basic plans often lack the "Quality of Life" features needed during a breakdown. If you are driving to Malaysia from Singapore, consider these options:
Personal Accident Add-on: Essential if you are driving long distances to KL or Penang.
24-Hour Roadside Assistance: Ensure your policy includes towing across the border back to Singapore.
Travel Insurance with Rental Cover: If you are renting a car in Malaysia, ensure your travel insurance (e.g., FWD or MSIG) covers the "Rental Car Excess."
Note: Always keep a digital copy of your Certificate of Insurance and Log Card on your phone for inspection by the Royal Malaysia Police (PDRM).
Singapore cars driving to Malaysia are strictly prohibited from purchasing RON 95 petrol. You must pump RON 97 or RON 100.
Current Prices (May 2026): RON 97 is approximately RM3.45 per litre. While more expensive than RON 95, it is still cheaper than Singapore's premium grades.
Penalty: Petrol stations found selling RON 95 to foreign cars face heavy fines, and you may be reported to authorities.
Navigating the border is simple once you have your VEP and the right financial tools in your wallet. Whether it's your first time driving to Malaysia or you're a seasoned pro, staying updated on these 2026 regulations ensures a stress-free trip.
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Spending most of her young writer's phase working as a freelancer, Afina's written for various industries ranging from e-commerce, travel to health and finance. Her expertise lies in her ability to make complex subjects like finance easy to consume for everyday readers.