Verdict up front: The Amex Platinum Edge earns 2 Membership Rewards points per $1 at petrol stations — the highest rate of any card without a premium annual fee. For Qantas loyalists, the BP Plus Business Card earns 3 Qantas points per $1 on fuel for the first 6 months. If you want simplicity, the Everyday Rewards card-linked discount saves a flat 4 cents per litre at Ampol/EG stations — no annual fee required.
Last updated: April 2026 | [Affiliate disclosure: We earn a commission if you apply via our links.]
There are two ways to save money on petrol in Australia. Most people only use one of them.
The obvious way: Find the cheapest station using PetrolSpy, MotorMouth, or the 7-Eleven Fuel Lock app.
The overlooked way: Earn rewards on every litre you buy, regardless of which station you use.
The best strategy combines both. This guide covers the second part — which credit card earns the most on your petrol spend, and how to stack it with the apps you’re already using.
How Much Is at Stake?
Average Australian household petrol spend: approximately $3,000–$5,000 per year (depending on location, vehicle, and commute).
At 2 points per $1 on a card like the Amex Platinum Edge, that’s 6,000–10,000 Membership Rewards points annually from petrol alone. Transferred to Velocity, that’s worth roughly $60–$100 in domestic flight value — enough to meaningfully offset your annual fee.
The Shortlist
1. American Express Platinum Edge — Best Everyday Card for Petrol
Annual fee: $195
Earn at petrol: 2 Amex Membership Rewards points per $1
Earn at supermarkets: 3 points per $1
Who it’s for: Households spending $200+/month on petrol AND groceries
The Amex Platinum Edge is the strongest everyday petrol card in Australia because the 2x rate at petrol stations combines with a 3x rate at supermarkets — so a single card covers your two biggest weekly spend categories efficiently.
At $300/month petrol spend ($3,600/year), you earn 7,200 Amex points from petrol annually. Transferred to Velocity at roughly 1:1, that’s about $72 in flight value. Combined with 3x on $600/month groceries ($21,600 points = $216), the total is $288 in Velocity value — well above the $195 annual fee.
The limitation: Amex is not accepted at all petrol stations. Most major brands (BP, Caltex, Ampol, 7-Eleven, Shell) do accept it, but some independent servos don’t.
âž¡ï¸ Apply for Amex Platinum Edge → (affiliate link)
2. BP Plus — Best if You Fill Up at BP
Annual fee: $0 for the card (business account, not a personal credit card)
Earn at BP: 3 Qantas Points per $1 for the first 6 months, then 1.5 points per $1 ongoing
Fuel discount: Save 8 cents per litre for the first 6 months (eligible fuel)
Who it’s for: Small business owners or sole traders who fill up at BP regularly
BP Plus is technically a business fuel card, not a personal credit card — but it’s worth knowing about if you fill up at BP regularly. The combination of cents-off-per-litre AND Qantas points is unusual and delivers real value in the first 6 months especially.
Note: BP Plus requires a business ABN to apply.
3. Everyday Rewards Discount — Best No-Card Option
Cost: Free (Everyday Rewards membership)
Fuel saving: 4 cents per litre discount at Ampol and EG service stations
How it works: Earn 100 Everyday Rewards points per litre threshold, redeem for 4c/L discount
This isn’t a credit card — it’s the Woolworths Everyday Rewards fuel benefit that most members don’t fully use. Every week you hit the threshold on grocery spending, you unlock a 4c/L discount at Ampol/EG stations. On a 60-litre tank, that’s $2.40 saved per fill.
The play: use this discount AND earn credit card points at the same time. Your Everyday Rewards fuel discount doesn’t exclude you from earning credit card points on the transaction.
4. Coles Rewards Mastercard — Best for Coles Shoppers Who Also Use Shell
Annual fee: $89
Earn at Shell: Bonus Flybuys points at Shell Coles Express
Who it’s for: Coles-loyal households who fill up at Shell Coles Express stations
Coles Express and Shell stations are the same network. The Coles Rewards Mastercard earns bonus Flybuys at Coles Express, which makes it worth considering if you’re already loyal to the Flybuys ecosystem.
âž¡ï¸ Apply for Coles Rewards Mastercard → (affiliate link)
The Real Saving: Stack the Card With the App
The biggest gains come from using both strategies simultaneously:
Step 1: Check PetrolSpy or MotorMouth before you leave — find the cheapest nearby servo (can be 10–15c/L difference on a bad day).
Step 2: If you have an Everyday Rewards fuel discount pending, use it at Ampol/EG.
Step 3: Pay with your rewards credit card → earn points on the transaction.
Step 4: If it’s 7-Eleven, use the Fuel Lock app to lock in a low price up to 7 days ahead. Pay with your credit card when you fill up.
On a 60-litre fill at a station that’s 10c/L cheaper than average, with a 4c/L Everyday Rewards discount and 2x points on your credit card: you’re saving $8.40 in fuel cost + earning ~120 reward points ($1.20 value) = $9.60 saved on a single fill. Across 50 fills a year, that’s $480 in combined savings.
The Maths: Annual Petrol Spend of $3,600
| Card | Annual Fee | Points on $3,600 petrol | Est. Points Value | Net After Fee |
|---|---|---|---|---|
| Amex Platinum Edge | $195 | 7,200 MR pts | ~$72–$144 | -$51 to -$123 (petrol alone) |
| NAB Rewards Platinum | $150 | 7,200 NAB pts | ~$36–$72 | -$78 to -$114 (petrol alone) |
| Coles Rewards Mastercard | $89 | ~3,600 Flybuys pts | ~$18 | -$71 (petrol alone) |
Important: These calculations show petrol spend only. The Amex Platinum Edge is designed as a combined grocery + petrol card — the real value comes when you account for both categories together. Assessed on petrol alone, no annual-fee card outperforms on a pure cost basis. Assessed on petrol + groceries, the Amex Platinum Edge is clearly ahead.
Bottom line: If petrol is your only spend category, a no-annual-fee card or the Everyday Rewards discount beats a rewards card on fee efficiency. If you also spend $500+/month on groceries, a card with combined category bonuses (like Amex Platinum Edge) makes financial sense.
The App Strategy (Free, Takes 5 Minutes to Set Up)
PetrolSpy (iOS/Android): Shows real-time prices at every servo in your area. Sort by price, filter by brand. Free.
7-Eleven Fuel Lock: Lock in a price at any 7-Eleven in Australia for up to 7 days. If prices rise before you fill up, you’ve saved the difference. If prices fall, don’t use the lock — fill up at the current price.
MotorMouth: Community-reported prices, particularly good in regional areas.
FuelWatch (WA only): Government-run price monitoring for Western Australia. Shows tomorrow’s prices today.
Frequently Asked Questions
Which credit card gives you the most fuel points?
The Amex Platinum Edge earns 2 Membership Rewards points per $1 at petrol stations — the highest rate among non-premium everyday cards. The BP Plus Business Card earns 3 Qantas points per $1 for the first 6 months (business card only).
Does Woolworths Everyday Rewards give a petrol discount?
Yes — you earn a 4c/L fuel discount at Ampol and EG service stations when you use your Everyday Rewards points for the fuel saver benefit. This stacks with your credit card rewards.
Does the 7-Eleven fuel lock work with rewards cards?
Yes — you pay at the pump when you fill up, using whichever card you choose. The Fuel Lock locks the price; it doesn’t affect which payment method you use.
What’s the cheapest day to fill up with petrol in Australia?
Price cycles vary by city. In Sydney and Melbourne, Tuesday or Wednesday is typically the cheapest day of the weekly price cycle. In Brisbane, it’s often Monday or Tuesday. In Perth, the FuelWatch system makes prices more predictable.