Which Fuel Card Rewards Programs Offer the Best Value in 2025?

Fuel and running costs are going up, and for fleet managers, that means looking for smarter ways to cut expenses. A good fuel card isn’t just about saving a few cents at the pump – it can help streamline admin, offer loyalty rewards, and even make managing electric vehicles easier. So which cards are offering the best value in 2025? And what should you look for when comparing them? Here’s what to know.

Which Fuel Cards Offer the Best Fuel Discounts?

If you’re just looking at cents per litre saved, FleetCard and Shell Card remain two of the strongest options. FleetCard offers ongoing discounts of up to 4 cents per litre at major stations like Shell, Ampol, 7-Eleven, EG and United. While they often run limited-time promotions with higher savings, the everyday rates still offer good value, especially with access to over 6,000 stations across Australia.

Shell Card also continues to deliver strong savings. You’ll get 6 cents off per litre for the first six months when you sign up, followed by ongoing discounts of 2 cents per litre on Unleaded and 4 cents on Premium Unleaded. It’s accepted at more than 1,500 locations, including Shell, Coles Express, Liberty and OTR.

Other big-name cards like AmpolCard, BP Plus and 7-Eleven typically offer introductory savings between 6 and 7 cents per litre, followed by standard rates around 2 to 4 cents per litre, depending on the brand and fuel type. Just keep in mind that some, like the 7-Eleven Fuel Card, can only be used at their own branded stations, which may not suit fleets that need more flexibility on the road.

Discounts are accurate as of July 2025*

Bottom line: FleetCard gives you the widest reach and reliable long-term savings. Shell Card’s generous intro offer and solid partner network also make it a smart choice, especially if you want access to Flybuys rewards too.

Who’s Offering the Best Rewards / Loyalty Points?

Shell Card Flybuys Rewards

If you’re looking to earn rewards while you refuel, Shell Card stands out thanks to its Flybuys integration. You’ll earn 1 point for every $2 spent on fuel and eligible in-store purchases at Shell and Reddy Express.

BP Plus, 7-Eleven & Frequent Flyer Points

BP Plus links with BP Rewards and Qantas Frequent Flyer, letting you earn up to 2 Qantas Points per litre on premium fuel and 1 point per dollar spent in-store.

Similarly, 7-Eleven’s Velocity Frequent Flyer program offers up to 2 points per litre and 2 points per dollar in-store, along with a price lock feature through the My 7-Eleven app.

AmpolCard Everyday Rewards

AmpolCard is linked to the Everyday Rewards program, giving you 1 point for every dollar you spend, which you can redeem at EG Ampol stations or Woolworths.

Bottom line: If loyalty points matter to your business, Shell Card offers the most generous rewards right now, especially if your fleet uses a lot of fuel.

Where Can You Use a Fuel Card?

FleetCard has the biggest network by far. It’s accepted at more than 6,000 fuel stations across Australia, covering all major brands like Shell, Ampol, BP, 7-Eleven and United. That makes it a great choice if your team travels across different regions or needs flexibility on the road.

Shell Card is more focused but still strong, accepted at over 1,500 sites nationally. You’ll find it at Shell, Coles Express, OTR and Liberty locations. BP Plus and AmpolCard are more limited, accepted at 1,400+ and 2,000+ stations respectively. The 7-Eleven card, as the name suggests, only works at 7-Eleven sites—around 700 locations.

If national coverage is important, FleetCard gives you the most options. But if your routes tend to stick to one brand or region, other cards may still work well.

Do Fuel Cards Have Extra Features or Perks?

Beyond discounts and points, some cards come with handy extras. Shell Card’s Flybuys bonuses, accounting integrations and app-based contactless payments are great for small teams or growing businesses.

FleetCard also goes the extra mile, with access to non-fuel partners like service centres, tolls and repairs. If your fleet includes EVs or hybrids, FleetCard Electric is a solid pick – it works at 2,000+ Chargefox EV charging stations as well as traditional fuel stations.

BP Plus lets you earn Qantas Points and access the BP Pulse EV network, while 7-Eleven offers its popular Fuel Price Lock and in-store freebies via their app.

If perks are a priority, Shell Card and FleetCard both offer value well beyond fuel discounts.

Which Fuel Card is Best for Your Business?

For new or small businesses, Shell Card is a safe bet. It’s open to companies with less than 12 months of trading history, offers straightforward credit terms, and has low monthly fees.

If you want the most flexibility, especially if your drivers are spread across different states, FleetCard’s wide network and partner access make it a top pick.

Looking to maximise rewards? Shell Card’s Flybuys partnership gives your business the chance to earn serious points – especially if your team does a lot of driving.

And for businesses moving toward electric vehicles, FleetCard Electric is one of the only cards that handles both fuel and EV charging in one.

Bottom Line: Which Fuel Card is Best?

There’s no one-size-fits-all answer when it comes to fuel card rewards. The best card depends on how your fleet operates, where you travel, how much fuel you use, and whether rewards or admin tools are more important to your business.

FleetCard and Shell Card both offer strong overall value, with broad acceptance, good discounts and helpful features. Other cards like BP Plus, AmpolCard and 7-Eleven are worth a look too, especially if your fleet prefers a specific fuel brand or wants to tap into loyalty programs.

Whichever way you go, reviewing your fuel card options each year and taking advantage of promos can unlock big savings for your business.

Unlock the Best Fuel Card Rewards in Minutes

Looking for a fuel card that gives more back to your business? In just a few minutes, you can compare top options like Shell Card and FleetCard and see which rewards programs you’re eligible for. Earn points, score perks, and make every fill-up work harder for your bottom line.

FAQs

Can I have more than one fuel card provider for my business?

Yes, some businesses use more than one provider to get broader coverage or take advantage of different offers. For example, you might use Shell Card for Flybuys rewards and FleetCard for access to a wider range of stations. Just be mindful of managing multiple accounts and fee structures.

Do fuel card discounts apply to all fuel types?

Not always. Some discounts only apply to specific fuel types, like Premium Unleaded or Diesel, while others cover all fuel. It’s best to check the fine print for each card, especially if your fleet uses a mix of fuel types or includes diesel vehicles.

Is there a limit on how much fuel you can buy with a card?

Most providers let you set your own limits per card, like daily or weekly spend caps. This helps keep things under control and avoid misuse, especially if different team members have different access levels.

Can fuel cards be used for personal vehicles or staff fuel perks?

Technically yes, but you’ll need to track usage carefully. If fuel is used for personal travel (like driving to and from work), you may need to report it for fringe benefits tax (FBT). Always speak with your accountant to stay compliant.

How secure are fuel cards?

Most cards come with PIN protection and let you customise spending rules. You can block categories like snacks or in-store purchases, set time-of-day restrictions, and get alerts for suspicious transactions. If a card is lost or stolen, report it straight away to have it blocked and replaced.

Are there fuel cards for electric vehicles only?

Right now, most fuel cards are designed for petrol and diesel, but a few, like FleetCard Electric, cover both fuel and EV charging. If your fleet includes electric or hybrid vehicles, it’s worth looking into cards that support Chargefox or BP Pulse charging networks.

*Fuel discounts and any fees listed are indicative only and subject to change. Actual savings often depend on factors such as business usage, monthly spend, card type, and provider terms. Always check with your chosen fuel card provider for the most up-to-date rates and eligibility criteria.