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Petrol Credit Cards

Want to earn points for refuelling your vehicle? Compare and apply for a petrol rewards credit card.


Fact checked

Petrol is a necessary weekly expense and one you could be earning points on. A petrol rewards credit card is designed to help you save on petrol costs and collect you reward points. To help you decide if a petrol rewards credit card will work for you, here we look at how they work and weigh up the pros and cons.

Credit cards that offer rewards points for spending on petrol

Data indicated here is updated regularly
Name Product Purchase Rate Interest Free Period Annual Fee
American Express Platinum Edge Credit Card
2.99% for 6 months (reverts to 19.95% APR)
Up to 55 days on purchases
$149 p.a.
Enjoy a low rate on purchases and earn 20,000 Membership Rewards Bonus Points if you apply, are approved and spend $750 in the first 3 months of Card membership. This offer is available to new Card Members only.
American Express Airpoints Card
0% for 6 months (reverts to 19.95% APR)
Up to 55 days on purchases
$0 p.a.
Be rewarded with 50 bonus Airpoints Dollars. Simply apply, be approved, and spend $750 on your new Card in the first 3 months of membership. This offer is available to new Card Members only.
American Express Airpoints Platinum Card
19.95% APR
Up to 55 days on purchases
$195 p.a.
Be rewarded with 400 bonus Airpoints Dollars when you apply online by 30 March 2021, are approved, and spend $1,500 on your new Card within the first 3 months. This offer is available to new Card Members only. You will also earn 1 Airpoints Dollar for every $59 you spend on your card.

Compare up to 4 providers

Compare Fuel Credit Cards in New Zealand

Fuel Card Benefit
American Express Platinum Edge Credit Card This card allows you to earn up to 3 points per $1 spent on purchases at major supermarkets (including Countdown and New World), 2 points per $1 spent at major petrol stations, and 3 point per $1 spent on most other purchases.

How do petrol credit cards work?

A petrol credit card works similarly to a conventional credit card, allowing cardholders to earn rewards when they purchase petrol on plastic.

There are two card options to consider:

  • Direct earn petrol cards. Direct earn cards allow cardholders to earn cashback and discounts directly from purchasing fuel. They are not linked to an existing rewards program but to specific fuel retailers.
  • Indirect earn petrol cards. These cards reward cardholders for spending on a variety of eligible purchases and you then redeem points for petrol discounts and vouchers. The reward programs for these types of cards also allow cardholders to redeem points for a range of other rewards.

Compare Petrol Rewards programs in New Zealand

Fuel cards can provide discounts and savings just by purchasing petrol. How much you save depends on your lifestyle and spending habits.

The tables below indicate potential rewards you could clock up based on an estimate of yearly petrol spendings.

American Express Platinum Edge Credit Card

This card currently charges an annual fee of $149 and earns 2 American Express Membership Rewards points per $1 spent at major petrol stations (BP, Caltex, GAS, Gull, Mobil, Shell and Z). Points can be redeemed for a range of rewards including travel, gift cards and merchandise. They can be transferred to one of your preferred partner programs including Air New Zealand Airpoints or Singapore Airlines Krisflyer Frequent Flyer. For Air New Zealand, 175 Amex membership points equal 1 Airpoints dollar.

If you are a frequent flyer and prefer to accumulate points for flight redemption, this would be a good card to consider.

Earn Airpoints refuelling at BP

If your credit card doesn’t earn rewards points when paying for fuel, you could sign up for a petrol rewards card that lets you earn points when you pay for fuel and swipe your credit card at the register. For instance, Z and Fly Buys partnership means you earn 1 Fly Buys point for every 20 litres of fuel.

A fuel credit card can offer you rewards through your weekly fuel expense. These cards may provide a savings solution for customers who are continually on the road and frequently visit the fuel pump. However, whether they’re worthwhile depends on how often you use your credit card for fuel and the rewards you can earn. Compare your options to find the right one for you.

What are the pros and cons of a fuel rewards card?


  • Rewards. Any opportunity to receive rewards for necessary costs is a plus. The reward is instant, with the savings added to your account immediately after your transaction is approved.
  • Additional cardholders earn rewards. You can often add a cardholder to your account, doubling the number of points you could earn.
  • Extra benefits. Credit cards often come with additional features such as an Airpoints rewards program, complimentary insurance or interest-free days that could provide you with other benefits.


  • High fees. Usually, there is a joining fee and ongoing annual membership fee when you sign up for a fuel rewards credit card. Some cards also charge a service fee every time you fill up. Make sure the value of the rewards exceeds the cost of the card.
  • High interest.Typically, rewards cards expect you to pay your outstanding balance at the end of each month. If this is not possible, you may have to pay high-interest rate charges on your credit card balance.
  • Restrictions. Most petrol credit card providers have partnerships with a particular service station. Make sure the card is partnered with the petrol station you usually go to each week.
  • Reward card competition. With such a wide range of rewards cards available, the fuel rewards card may not offer as much value compared with the competition. Consider how much you spend on fuel and where you want to see your rewards go.

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