Best Credit Card for Petrol in Australia (2026)

Comparing Australian credit cards for petrol rewards earnings

Verdict up front: The Amex Platinum Edge ($195/year, often $0 in Year 1) earns 3 Membership Rewards points per $1 at major petrol stations – the highest rate of any everyday card without a premium fee – and the same 3x rate applies at supermarkets, which is the real reason to get it. If you fill up at BP and you have an ABN, a BP Plus fuel card can layer Qantas Points on business fuel (verify the current offer terms). If you don’t want a fee at all, the free Everyday Rewards fuel saver gives you 4c/L off at Ampol/EG and works on top of any other rewards card. Don’t pick a “petrol card” in isolation – pick a card whose petrol earn is a bonus on top of the spending you’d be doing anyway.

Last updated: June 2026 | [Affiliate disclosure: I earn a commission if you apply via my links – it never affects which cards I recommend.]

There are two ways to save money on petrol in Australia. Most people only use one of them.

Point Hacks’ #1 result for “best credit card for petrol” is from April 2021. It’s not wrong, exactly – it just hasn’t been refreshed in four years and doesn’t reflect the current Everyday Rewards fuel benefit, the BP Plus terms, or how anyone actually shops for fuel in 2026. So here’s the version with current numbers and an opinionated take on which option suits you.

The two ways:

The obvious way: find the cheapest station. PetrolSpy, MotorMouth, 7-Eleven Fuel Lock.
The overlooked way: earn rewards on every litre, regardless of which station you use.

The best strategy combines both. This guide is mostly about the second.

How much is at stake?

Average Australian household petrol spend is roughly $3,000–$5,000/year, depending on where you live and what you drive.

At 3 points per $1 on the Amex Platinum Edge, that’s 9,000–15,000 Membership Rewards points a year from petrol alone. Transferred to Velocity, that’s worth roughly $90–$150 of domestic flight value – meaningful, but not the headline number. The real value comes when you combine petrol earn with the same card’s grocery earn (also 3x at supermarkets). That’s where the maths actually pencil out.

I’ll show you why below.

The shortlist

1. Amex Platinum Edge – best everyday card for petrol and groceries

Annual fee: $195 (often $0 in the first year – check the current offer)
Earn at petrol: 3 Amex Membership Rewards points per $1 at major petrol stations
Earn at supermarkets: 3 points per $1
Earn elsewhere: 1 point per $1
Who it’s for: Households spending $200+/month on petrol and $500+/month on groceries

The Platinum Edge is the strongest everyday petrol card in Australia, and the reason isn’t the petrol earn rate alone – it’s that the same card earns the same 3x at supermarkets. Your two biggest weekly cash outflows (groceries and fuel) both hit the boosted rate on a single card.

My take on the maths: at $300/month on petrol = $3,600/year, you earn 10,800 points from petrol – about $108 in Velocity flight value. Add 3x on $600/month groceries = $21,600 points = ~$216 in flight value. Total: $324 against a $195 annual fee. Net positive on most household budgets – and that’s before any other spending on the card.

The catch I want to be upfront about: Amex isn’t accepted at every petrol station. The major brands (BP, Caltex, Ampol, 7-Eleven, Shell) take it. Some independent servos don’t. Not a dealbreaker – just keep a no-fee Visa or Mastercard in the wallet for those.

This is also the same card I recommend in the Woolworths comparison – the dual category bonus is what makes it worth $195/year.

➡️ Apply for the Amex Platinum Edge → (affiliate link)

2. BP Plus – worth a look if you fill up at BP and have an ABN

What it is: a business fuel card, not a personal credit card – requires an ABN
Earn: Qantas Points on eligible BP fuel spend; introductory offers (bonus points rates and cents-off-per-litre) change periodically – verify the current terms before applying
Who it’s for: Sole traders or business owners who fill up at BP regularly

BP Plus isn’t a fit for most readers because of the ABN requirement. If you have a business or are a sole trader, though, the combination of a fuel discount AND Qantas Points on the same litre is unusual – no personal credit card offers that pairing.

My take: the introductory offer is usually the headline, and intro offers change. Treat it as a high-value short-term play if BP is convenient for you, check the current terms on BP’s site rather than any comparison article (including this one), and don’t make it a long-term anchor without re-running the numbers at the standard rate.

3. Everyday Rewards fuel saver – best free option

Cost: $0 (Everyday Rewards membership is free)
Fuel saving: 4c/L discount at Ampol and EG service stations
How it works: Spend $30+ in a single shop at Woolworths with your Everyday Rewards card scanned, and a single-use 4c/L voucher loads to your account – redeem it at the pump

This isn’t a credit card – it’s a benefit on the free Everyday Rewards membership that most members don’t fully use. One $30+ Woolworths shop unlocks 4c/L off at Ampol/EG. On a 60L tank, that’s $2.40 saved per fill.

My take: the play here is to use this discount AND earn credit card points on the same transaction. The fuel saver doesn’t disqualify you from earning credit card rewards on the purchase. If you fill up at Ampol/EG and you shop at Woolworths anyway, this is free money you’re probably leaving on the table.

For more on Everyday Rewards strategy, see Everyday Rewards vs Flybuys.

4. Coles Rewards Mastercard – best if you’re in the Flybuys ecosystem

Annual fee: $99
Earn rate: 2 Flybuys points per $1 on eligible purchases up to $3,000 per statement period (then 1 per $1) – petrol included
Fuel angle: scan Flybuys at Reddy Express (the rebranded Coles Express network) for loyalty points on top of card earn
Who it’s for: Flybuys-loyal households who also fill up at Reddy Express stations

The Coles Rewards Mastercard earns its 2-points band on fuel like any other purchase, and scanning your Flybuys card at Reddy Express stacks loyalty points on top. The old always-on Coles fuel docket has been replaced by campaign-based offers in the Flybuys app, so check what’s active.

My take: this is fundamentally a Flybuys card with petrol included, not a petrol card. If you’re not already in the Flybuys ecosystem, the $99 annual fee doesn’t pencil out on petrol earn alone. See the full Coles + Flybuys comparison for whether the Coles Rewards Mastercard makes sense for your overall shop.

➡️ Apply for the Coles Rewards Mastercard → (affiliate link)

The maths: $3,600/year on petrol, points alone

Card	Annual fee	Points on $3,600 petrol	Est. value	Net (petrol only)
Amex Platinum Edge	$195	10,800 MR pts	$108–$162	−$33 to −$87
Coles Rewards Mastercard	$99	~7,200 Flybuys	$36–$54	−$45 to −$63
Everyday Rewards fuel saver	$0	n/a	~$120/yr in fuel saving	+$120

My take on this table: assessed on petrol alone, no annual-fee credit card outperforms the free Everyday Rewards fuel saver. That’s a real conclusion that most card comparison sites won’t lead with because they don’t get a commission on it.

The Amex Platinum Edge becomes worth it when you stop assessing it as a “petrol card” and start assessing it as a “groceries + petrol card.” On its full intended use (3x at both supermarkets and petrol), the same $195 fee is comfortably exceeded by the rewards earned. But if your only meaningful spend is petrol, get the free Everyday Rewards fuel benefit and pay with whatever no-fee card you have.

The full stack: how to maximise every fill

The biggest gains come from combining strategies. The full stack:

Check PetrolSpy or MotorMouth before you leave the house – find the cheapest nearby servo (can be 10–15c/L difference on a price-cycle peak day)
If you have an Everyday Rewards fuel discount queued, use it at Ampol/EG (4c/L off)
Pay with your rewards credit card → earn points on the transaction
At 7-Eleven, use Fuel Lock to lock in a low price up to 7 days ahead – pay with your credit card when you fill up

On a 60L fill at a station 10c/L cheaper than average, with a 4c/L Everyday Rewards discount and 3x points on your credit card:

Cheap-station saving: 60L × 10c = $6.00
Everyday Rewards discount: 60L × 4c = $2.40
Credit card points (Amex Platinum Edge at 3x, $80 fill): 240 MR points ≈ $2.40 in Velocity value

Total saved on a single fill: ~$11. Across 50 fills a year, that’s ~$540 in combined savings. Most Australians use one of those four levers; almost nobody uses all four.

Get this card if…

You spend $200+/month on petrol AND $500+/month on groceries – the Amex Platinum Edge maths pencil out at this combined level
You already shop at Woolworths and don’t currently use the Everyday Rewards fuel saver – you can grab that benefit today, free, no card application required
You fill up at BP regularly AND you have an ABN – check the current BP Plus introductory offer; the fuel-discount-plus-Qantas-Points pairing is unique when a strong intro deal is running

Don’t get a fee-paying petrol card if…

Petrol is your only meaningful spend category – the Everyday Rewards fuel benefit beats every paid card at this use case
You carry a balance – interest charges (18–24% p.a.) erase every point you’ll ever earn
You drive less than 5,000 km/year – the maths rarely justify any annual fee at low fuel volumes
You don’t have an ABN and the BP Plus card caught your eye – it’s not available to non-business applicants

The app strategy (free, takes 5 minutes to set up)

These four apps cover most of Australia. Set them up once and you’ll save real money over a year:

PetrolSpy (iOS/Android): 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 for up to 7 days. If prices rise before you fill up, you’ve saved the difference. If they fall, ignore the lock and pay the lower price.
MotorMouth: community-reported prices, particularly strong in regional areas where PetrolSpy coverage is thinner.
FuelWatch (WA only): government-run price monitoring for Western Australia. Shows tomorrow’s prices today – a structural advantage no other state has.

The one question that decides it

What else do I spend on regularly besides petrol?

Groceries at Woolworths or Coles → Amex Platinum Edge. The 3x at supermarkets and petrol together is what justifies the $195 fee.
Just petrol, nothing else specific → free Everyday Rewards fuel saver + a no-fee credit card. Don’t pay an annual fee for a one-trick card.
Petrol + I have an ABN + I use BP → BP Plus while a strong introductory offer is running.
Petrol + I want everything in Flybuys → Coles Rewards Mastercard, but read the Coles + Flybuys comparison first because the no-fee Coles card may suit you better.

If none of these fit cleanly, start with the non-traveller hub – the right answer might not be a petrol-specific card at all.

FAQ

Which credit card gives you the most fuel points?

The Amex Platinum Edge earns 3 Membership Rewards points per $1 at major petrol stations – the highest standard rate among non-premium everyday cards. BP Plus business fuel cards can earn Qantas Points on top of fuel discounts, but they require an ABN and the offers change.

Does Woolworths Everyday Rewards give a petrol discount?

Yes – spend $30+ in a single Woolworths shop with your card scanned and you get a single-use 4c/L voucher for Ampol and EG service stations. Free benefit on the free Everyday Rewards membership. Stacks with credit card points on the same fuel transaction.

Does the 7-Eleven Fuel Lock work with rewards cards?

Yes – Fuel Lock locks the price; you choose your payment method when you fill up. Use whichever rewards card you prefer.

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 cycle. In Brisbane, often Monday or Tuesday. In Perth, FuelWatch makes prices more predictable – and you can see tomorrow’s prices today.

Can I earn credit card points and Everyday Rewards fuel discount on the same fill?

Yes – the Everyday Rewards fuel saver is a discount applied at the pump, not a payment method. You still pay with whatever credit card you choose, and you earn full credit card points on the discounted total. Most people who use the fuel saver miss this.

Is the Amex Platinum Edge worth it just for petrol?

No. On petrol alone the $195 annual fee doesn’t pencil out at typical Australian household fuel spend – even at 3 points per $1. The card makes sense when your grocery spend earns the same 3x alongside it. If groceries aren’t a big spend category for you, get the free Everyday Rewards fuel saver and use a no-fee credit card.

← All guides | Best card for Woolworths → | Best card for Coles → | Hub: best rewards card if you don’t fly business class →

This article is general information only. Credit cards are financial products – consider whether each product suits your personal circumstances and read the product disclosure statement before applying. Interest rates, fees, sign-up offers and partnership terms are accurate at time of publishing and subject to change. I earn a commission if you apply via the affiliate links on this page.

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