Compare fuel cards in Australia

A fuel card can help your business save money per litre, track fuel costs across a fleet and get other benefits at service stations across Australia.

Product AUFFC Discount Monthly Fee Additional Cardholder Fee Number of Locations
Get up to 300,000 bonus Everyday Rewards points and save 6c per litre on all fuels for 6 months.
$2.95
$35.40
1,800
Shell Card
Exclusive
Viva Energy Australia logo
Save 6c per litre off fuel purchases at Shell-branded sites and pay no monthly card fees for the first 10 months when you apply using promo code FINDER24.
$2.50
$30
1,500
Offers 7 cents per litre off petrol and diesel for the first 12 months, then a base rate of 4 cents/litre.
$2.50
6,000
More Info
- 4cents/L on Premium
- 2cents/L on Regular Petrol & Diesel
$2.50
$8
550
More Info
- 2c/L on regular fuel
- 3c/L on BP Ultimate, Premium Unleaded and BP Ultimate Diesel
$4.95
$59.40
1,400
More Info
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What you need to know about fuel cards

  • Some fuel cards are restricted to specific networks of petrol statins.
  • Most fuel cards charge a monthly fee. You need an ABN to get one.
  • Some cards offer additional benefits like discounts on fuel and points.

How do fuel cards work?

If you're on the road for work or run a business with a fleet of vehicles, fuel costs quickly add up. A fuel card gives you a way to keep track of what you spend – and often provides discounts or other perks like reward points.

A fuel card works in the same way as a regular credit or debit card where you swipe your card at the pump or inside the service station to pay for fuel and/or other available products and services.

Types of fuel cards

  • Business fuel cards. These generally cater to small and medium-sized businesses. Aside from petrol savings, business fuel cards usually offer monthly, ATO-approved statements that help make it easier to manage business costs and accounting. Additionally, these cards save drivers from using a company credit card or their personal credit card and having to submit expenses for regular fuel purchases.
  • Fleet fuel cards. Similar to business fuel cards, fleet fuel cards are useful for businesses with larger vehicle fleets. They help with budgeting and fuel efficiency and can usually access petrol discounts at different fuel brand stations.
  • Prepaid fuel gift cards. These are gift cards or vouchers that an individual or business can use to pay for petrol and other goods. They do not extend any credit and must be paid for in full upon purchase.

Can I get a fuel card for personal use?

You need an ABN to get a fuel card. This means you need to own a business or be a sole trader. If you don't have an ABN, you could use a prepaid fuel card like the the AmpolCash card and BP gift cards. You can also use Woolworths WISH gift cards at participating Woolworths co-branded fuel outlets, while Coles offers gift cards for Coles Express service stations.

How to compare fuel cards in Australia

Here are some of the factors to consider when comparing fuel cards:

  • The brand. Where do you usually buy your fuel? If you're loyal to a brand or often travel on routes where one fuel retailer has more locations than others, choosing a fuel card that fits with your routine will help you make the most of its benefits without having to change your routine too much.
  • Single brand vs multi-brand. If you don't have a brand preference but would rather shop for the lowest-priced fuel at any time, a fuel card offering access to multiple fuel brand stations could be the better option for you. For example, you can use the BP Plus fuel card at over 1,400 BP locations in Australia, while the WEX Motorpass fuel card has over 6,000 service stations and industry partners in Australia – including select 7-Eleven, Ampol, BP and Shell locations.
  • Rewards. If you're interested in getting points through your fuel card, choose a loyalty program with rewards that you’d actually use.
  • Credit vs charge. Most fuel card accounts are set up as charge cards that do not offer a revolving line of credit. This means you have a set amount of time to pay the full balance, instead of only paying part of it and being charged interest (as you would with a credit card).
  • Fees. Fuel cards typically charge a monthly fee per card or a separate account fee and an additional cardholder fee.

Why choose a fuel card over a regular credit card?

  • Control and expense management. Some fuel cards let you impose spending limits on the card and select what can be paid for with the card.
  • Reporting. Fuel cards come with monthly reports that consolidate all your vehicle expenses into one statement. Some cards will integrate with your business accounting software to make things even easier.
  • Non-fuel partners. Some fuel cards also provide other non-fuel benefits with their network of partners, including car washes, mechanical work and warranty servicing.
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Our expert says: Fuel card or business credit card?

"If you run a fleet of vehicles and fuel is a major expense, using a dedicated fuel card that gives you discounts per litre could save you money and make it easy to track the expense. A business credit card opens up a wider range of business spending. It's more flexible and you can often earn frequent flyer or reward points too. But these cards often have higher annual fees and are suited to businesses with multiple employee spending needs. If it's just cars, a fuel card might make more sense. "

What is the best fuel card in Australia?

The best fuel card is one that gives you extra value for paying with it – and that you can easily use for all your fuel spending. When comparing fuel cards, consider these questions:

  • What fuel card features you want.
  • How much you're willing to pay.
  • Whether you want to be tied to one service station brand or access as many as possible.
  • Other benefits like earning points with the card.

Different fuel cards in Australia

Fuel cardKey details
7-Eleven Fuel Pass
  • Save 2-4 cents per litre on eligible fuel spending at 7-Eleven.
  • Australia-wide acceptance at 550 7-Eleven outlets and across the Motorpass network (no fuel discounts apply at Motorpass though).
  • Monthly fee of $2.50 plus GST per card.
AmpolCard
  • Save 2-6 cents per litre on eligible premium fuel spending across the Ampol network.
  • Accepted at over 1,800 locations around Australia.
  • Monthly fee of $2.95 per vehicle.
  • Earn Everyday Rewards points on fuel and in-store purchases when you link your Everyday Rewards account to your AmpolCard account.
  • Contactless payments through the Ampol app.
BP Plus fuel card
  • Minimum discounts of 2-3 cents per litre on eligible fuel spending at BP.
  • Accepted at over BP sites across Australia.
  • Monthly fee of $4.95 per card for 1-2 cards or $2.20 per card for 3 or more cards.
  • Earn Qantas Points per litre through Qantas Business Rewards.
Caltex StarCard
  • Discounts on related costs such as servicing, vehicle parts and accommodation.
  • Acceptance at over 6,000 locations with an Open Loop StarCard.
  • Closed Loop StarCards are accepted at Caltex and Puma Energy service stations, with no transaction fees.
  • $30 annual fee (excluding GST) and $2.50 monthly fee for each card added to the account.
FleetCard
  • Discounts on eligible fuel spending.
  • Accepted at over 90% of petrol stations across Australia, including Ampol, Mobil, Caltex and Coles Express locations.
  • Fees and costs vary depending on the account.
Metro Fuel Card
  • Accepted at over 250 Metro locations, and at over 90% of service stations across Australia through Motorpass terminals.
  • Monthly management fee provided directly to customers, plus an $8 fee per additional card.
Mobil card
  • Competitive pump prices and discounts in related spending categories, including vehicle servicing, car parking, taxis and accommodation.
  • Accepted at participating Mobil sites across Australia.
  • $0 monthly account fee.
On The Run (OTR) Fuel Card
  • Petrol price discounts (offers vary).
  • Accepted at over 100 OTR service stations in South Australia.
Shell Fuel Card
  • Accepted at over 1,500 locations across Australia.
  • Monthly fee of $2.50 per card.
  • Earn 0.5 Flybuys points per $1 spent when you use your Shell Card at any Shell Coles Express or Shell Reddy Express site.
UnitedCard
  • Acceptance at 500 United locations across Australia.
  • Monthly fees vary based on your account details.
  • Community and sports-branded cards available.
WEX Motorpass
  • Fuel discounts vary by location and account.
  • Acceptance at over 6,000 across Australia, including some with well-known brands like Ampol, BP and Shell.
  • Monthly fees vary based on your account details.

Pros and cons

Pros

  • Convenience. Apart from being cashless, you can usually manage your fuel card account online to view your account details and transactions.
  • Savings. The discounts you’ll receive on an everyday expense can amount to significant savings over time.
  • Rewards. Maximise your rewards by earning points on fuel and vehicle expenses.
  • Control and budgeting. Fuel cards can be very helpful for reducing costs and helping you stay within your budget.
  • Invoicing. With fuel costs clearly documented in the statement, there is no need to go through receipts to determine the correct amount for reimbursement.

Cons

  • Limited fuel options. Getting a brand-specific fuel card may limit you to only using that brand and not shopping for the lowest-priced petrol.
  • Fees. The benefits of the fuel card should outweigh the cost of the card.
  • Fewer ways to earn rewards. Exclusively using a fuel card for your vehicle expenses means sacrificing other reward points that you could be earning on a higher-earning rewards credit card.

Frequently Asked Questions

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Richard Whitten is a money editor at Finder, and has been covering home loans, property and personal finance for 6+ years. He has written for Yahoo Finance, Money Magazine and Homely; and has appeared on various radio shows nationwide. He holds a Certificate IV in mortgage broking and finance (RG 206), a Tier 1 Generic Knowledge certification and a Tier 2 General Advice Deposit Products (RG 146) certification. See full bio

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More guides on Finder

  • Caltex StarCard

    This fuel card offers businesses a way to track and manage fleet spending, with custom discounts at service stations across Australia.

  • 7-Eleven Fuel Pass

    Save on fuel at 7-Eleven with this fuel card you can use across the WEX Motorpass network.

  • Ampol fuel cards

    Ampol fuel cards help you save on costs and is available at over 1,900 locations across Australia. Compare your options and learn more here.

  • AmpolCard fuel card

    Designed to suit small businesses, here's how the AmpolCard can help you save on fuel costs and earn rewards.

  • Shell Card

    Reduce your administration costs by managing your fuel spending with a Shell Fuel Card.

  • Fuel Cards and Vouchers

    As many petrol stations or supermarkets have fuel cards and vouchers available for purchase in-store or online, finding a fuel gift card for a quick, considerate gift (or even for personal use) is remarkably simple.

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2 Responses

    Default Gravatar
    AngelaMarch 23, 2018

    I would like to apply for an individual fuel card for my teenage son who is a uni student – not a fleet or company card – and link it to my credit card . I can’t seem to find such a card for sale? Are such fuel cards for personal/private use available?

      AvatarFinder
      MayMarch 25, 2018Finder

      Hi Angela,

      Thanks for your inquiry.

      There are fuel cards for individuals issued by fuel companies like Caltex and Shell. Whilst I cannot recommend a specific individual fuel card to you, you may refer to our guide about fuel cards available in Australia. If you’ve chosen the card that you think will work for your son, you may press the “Go to site” button to be redirected to the provider’s website to apply or to get in touch with them.

      Before applying, please ensure that you meet all the eligibility criteria and read through the details of the needed requirements as well as the relevant Product Disclosure Statements/Terms and Conditions when comparing your options before making a decision on whether it is right for you. You can also contact the provider if you have specific questions.

      Hope this helps.

      Cheers,
      May

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