Find the best fuel card for small and personal use in New Zealand

We set this website up to help people choose after extensive research ourselves in helping a client choose the right fuel card for their tourism business.

Considerations

Promo periods

Promo periods

Ask if the offer you’re signing up to is a promo period and what the regular prices may be. What’s being advertised can often be a promo for new customers that only lasts a few months which returns to ‘regular’ pricing.

Discount Types

Discount Types

There are two types of discounts. Pump price and national price.

The pump price is what you see at advertised at the station. So if it’s advertised at $2.28 and you have 8c off, it becomes $2.20/l. Simple.

The national price is the average of all the fuel prices. Different cards have different ways to calculate this so it could be from the national average of their group of suppliers or one brand. This means means the price you see at the pump is not what you’re actually paying for and can be higher or lower depending on the location. We’ve only seen this used by BP.

Discount partners

Discount partners

Just because a particular fuel card can be used at all the fuel stations doesn’t mean you get the same discount across them all. Sometimes there are specific brands the discounts apply too. So if you lean towards fueling at a particular brand, make sure you clarify that the discount (if any) applies to the brands you use.

GST Cost

GST Cost

Most companies advertise without GST so it’s just an important note for budgeting.

Transaction fees

Transaction fees

If you have a discount of 8c/l but each time you use the card to pay you’re hit with a transaction cost of $2 it offsets some of that discount – 25liters in this particular example, which means for an average car with a 55 litre tank, you save $2.40 instead of $4.40 each time you fill up.

Payment fees and methods

Payment fees and methods

What are their terms around payment and late fees? If you’re like us and enjoy earning points on your credit card it’s worthwhile finding out what the transaction fees are and whether they’re accepted at all. For us our preference has always been the ability to pay the entire bill with our AMEX card for points which also extends our cashflow. In a scenario where we fill up twice a week (assume 55l tank and pay $2.20/l), it costs us a little over $12,500 in fuel costs per year per car. Multiply that by a fleet size of 10 and we have 125,000 points a year which is enough for a RETURN business class flight to Singapore for a cost of $3,146 in transaction fees (assumes 2.5% processing fee) which is a great discount over the normal business class tickets and paid entirely by business transactions.

Size of fleet

Size of fleet

The larger your fleet the more attractive you are to fuel providers so they’re more likely to give you a special deal to lock in your business. This is usually based on your total fuel spend and the number of cards.

Comparing 16 different fuel card providers

Offerings between each can get confusing quickly with a variety of different options.

For simplicity we categorised them into two types:

  1. Fuel station operated cards (like BP operating a BP Card)
  2. Card operators (like Cardsmart)

The difference between the two came mainly down to this:

  • If you want to save money, it’s cheaper to check if your preferred fuel brand has a card to use on their own network.
  • If you want the freedom to use your card at different stations and other non-fuel stations like car washes, servicing, etc then independent card operators is the best choice

With over different 16 fuel card providers and each offering two or more cards we opted to show their offerings based on fuel stations. By doing it this way you can see how each card from different fuel card providers compare against each other for use at the main fuel brands.

By Providers

This table represents the major card brands acceptance at fuel stations

CARD
Allied

Allied

BP

BP

Caltex

Caltex

Challenge

Challenge

G.A.S.

G.A.S.

Gull

Gull

Mobil

Mobil

NPD

NPD

RDP

RDP

Waitomo

Waitomo

Z

Z

CardSmart
Driveline Fuel Card
Mobilcard
BP Fuelcard
Z
Allied Fuel Plus
Gull Fleet Card
RDP Fuel Card
Waitomo Fuel Card
NPD Fuel
CardSmart 7
Driveline Fuel Card 5
Mobilcard 1
BP Fuelcard 3
Z 3
Allied Fuel Plus 1
Gull Fleet Card 1
RDP Fuel Card 2
Waitomo Fuel Card 1
NPD Fuel 1

By Stations

Browse all the fuel cards and their fees by your preferred station

Allied

Joining Fee
Card Cost
Transaction
Sites
Discount
Mobilcard (by Allied Petroleum)
Mobilecard (by Capricorn)
$0
$0
$0
290+
5.5c/l
Allied Fuel Plus
$0
$1.33 per card per month
900+
$0

Here are all the fuel cards you can use at Allied.

This view shows the differences in discounts and fees between each fuel card when used at Allied stations. This is important because some will advertise discounts, but they not apply at all the stations the card is accepted at.

BP

Joining Fee
Card Cost
Transaction
Sites
Discount
CardSmart
$10 per card
$6 per card (every 6 years)
$0
290+ (includes Mobile, NPD and Allied sites)
8c/l
Mobilecard (by Capricorn)
$0
$0
290+
Driveline Fuel Card
$10
$0
900+
8c/l Up to 8c/l on petrol & 9c/l on diesel
BP Fuelcard (by Kiwi Fuelcard)
$0
$0
0.5c/l and 50c per transaction for non fuel items
1100+
Available
BP Fuelcard (by NZ Fuelcards)
$0
$1.33 per card per month
$0
300+
20c Up to 20c/l on diesel or 10c/l for petrol
BP Fuelcard (by GOfuel)
$0
$0
$0
300+
Available
BP Fuelcard
$0
$15 per card
10c
350
6c/l

Here are all the fuel cards you can use at BP.

This view shows the differences in discounts and fees between each fuel card when used at BP stations. This is important because some will advertise discounts, but they not apply at all the stations the card is accepted at.

Find a deal

Caltex

Joining Fee
Card Cost
Transaction
Sites
Discount
CardSmart
$10 per card
$6 per card (every 6 years)
$0
290+ (includes Mobile, NPD and Allied sites)
8c/l
Diesel Caltex & Z Truckstop (by NZ Fuelcards)
$0
$1.33 per card per month
$0
120+
20c/l From 20c/l
Petrol Caltex & Z (by NZ Fuelcards)
$0
$1.33 per card per month
$0
550+
7c/l
Mobilecard (by Capricorn)
$0
$0
290+
Driveline Fuel Card
$10
$0
900+
8c/l Up to 8c/l on petrol & 9c/l on diesel
Caltex Starcard (by Kiwi Fuelcards)
$10
$6 per card for 2 yrs
0.5c/l and 50c per transaction for non fuel items
300+
Available

Caltex doesn’t have a fuel card and directs all users to Z

Here are all the fuel cards you can use at Caltex.

This view shows the differences in discounts and fees between each fuel card when used at Caltex stations. This is important because some will advertise discounts, but they not apply at all the stations the card is accepted at.

Challenge

Joining Fee
Card Cost
Transaction
Sites
Discount
CardSmart
$10 per card
$6 per card (every 6 years)
$0
290+ (includes Mobile, NPD and Allied sites)
$0
Driveline Fuel Card
$10
$0
900+
8c/l Up to 8c/l on petrol & 9c/l on diesel

Here are all the fuel cards you can use at Challenge.

This view shows the differences in discounts and fees between each fuel card when used at Challenge stations. This is important because some will advertise discounts, but they not apply at all the stations the card is accepted at.

G.A.S.

Joining Fee
Card Cost
Transaction
Sites
Discount
CardSmart
$10 per card
$6 per card (every 6 years)
$0
290+ (includes Mobile, NPD and Allied sites)
8c/l
Driveline Fuel Card
$10
$0
900+
8c/l Up to 8c/l on petrol & 9c/l on diesel
BP Fuelcard
$0
$15 per card
10c per transaction
350
6c/l

Here are all the fuel cards you can use at G.A.S.

This view shows the differences in discounts and fees between each fuel card when used at G.A.S. stations. This is important because some will advertise discounts, but they not apply at all the stations the card is accepted at.

GAS doesn’t have a fuel card themselves but due to their partnership with BP, they do list information about BP Fuel Cards on their site. Driveline Fuel Cards and CardSmart is also accepted at the 100+ GAS petrol stations.

Gull

Joining Fee
Card Cost
Transaction
Sites
Discount
CardSmart
$10 per card
$6 per card (every 6 years)
$0
290+ (includes Mobile, NPD and Allied sites)
$0
Mobilecard (by Capricorn)
$0
$0
290+
Gull Fleet Card
$3.95 per month
20c per transaction
90+
Available

Here are all the fuel cards you can use at Gull.

This view shows the differences in discounts and fees between each fuel card when used at Gull stations. This is important because some will advertise discounts, but they not apply at all the stations the card is accepted at.

Mobil

Joining Fee
Card Cost
Transaction
Sites
Discount
CardSmart
$10 per card
$6 per card (every 6 years)
$2
290+ (includes Mobile, NPD and Allied sites)
$0
Mobilcard (by Allied Petroleum)
Mobilecard (by Capricorn)
$0
$0
$0
290+
5.5c
Driveline Fuel Card
$10
$0
900+
8c/l Up to 8c/l on petrol & 9c/l on diesel
Mobilecard (by GOfuel)
$10
$10
$0
$10
Available
Mobilcard (by Kiwi Fuelcards)
$10
$6 per card (every 4 years)
$0 but 50c transaction fee for non fuel purchases
290+ (includes Mobile, NPD and Allied sites)
Available
Mobilcard (by NZ Fuelcards)
$0
$1.33 per card per month
$0
290+ (includes Mobile, NPD and Allied sites)
10c
Mobilcard
$30 per card for 4 yrs
15c per transaction
370

Here are all the fuel cards you can use at Mobil.

This view shows the differences in discounts and fees between each fuel card when used at Mobil stations. This is important because some will advertise discounts, but they not apply at all the stations the card is accepted at.

NPD

Joining Fee
Card Cost
Transaction
Sites
Discount
NPD Fuel
60+
Available

Here are all the fuel cards you can use at NPD.

This view shows the differences in discounts and fees between each fuel card when used at NPD stations. This is important because some will advertise discounts, but they not apply at all the stations the card is accepted at.

RDP

Joining Fee
Card Cost
Transaction
Sites
Discount
BP Fuelcard (by Kiwi Fuelcard)
$0
$0
1100+
BP Fuelcard
$0
$15 per card
10c per transaction
350
6c/l
RDP Fuel Card
$0
12c/l

Here are all the fuel cards you can use at RD Petroleum.

This view shows the differences in discounts and fees between each fuel card when used at RD Petroleum stations. This is important because some will advertise discounts, but they not apply at all the stations the card is accepted at.

Waitomo

Joining Fee
Card Cost
Transaction
Sites
Discount
BP Fuelcard (by Kiwi Fuelcard)
$0
$0
1100+
Waitomo Fuel Card
$0
Available

Here are all the fuel cards you can use at Waitomo.

This view shows the differences in discounts and fees between each fuel card when used at Waitomo stations. This is important because some will advertise discounts, but they not apply at all the stations the card is accepted at.

Z

Joining Fee
Card Cost
Transaction
Sites
Discount
CardSmart
$10 per card
$6 per card (every 6 years)
$0
290+ (includes Mobile, NPD and Allied sites)
8c/l
BP Fuelcard (by Kiwi Fuelcard)
$0
$0
1100+
Mobilecard (by GOfuel)
$10
$10
$10
BP Fuelcard (by GOfuel)
$0
$0
$0
300+
Available

Here are all the fuel cards you can use at Z.

This view shows the differences in discounts and fees between each fuel card when used at Z stations. This is important because some will advertise discounts, but they not apply at all the stations the card is accepted at.

Allied

Mobilcard (by Allied Petroleum)
Sites
76
Mobilecard (by Capricorn)
Joining Fee
$0
Card Cost
$0
Transaction
$0
Sites
290+
Discount
5.5c/l
Allied Fuel Plus
Joining Fee
$0
Card Cost
$1.33 per card per month
Sites
900+
Discount
$0

Here are all the fuel cards you can use at Allied.

This view shows the differences in discounts and fees between each fuel card when used at Allied stations. This is important because some will advertise discounts, but they not apply at all the stations the card is accepted at.

BP

CardSmart
Joining Fee
$10 per card
Card Cost
$6 per card (every 6 years)
Transaction
$0
Sites
290+ (includes Mobile, NPD and Allied sites)
Discount
8c/l
Mobilecard (by Capricorn)
Joining Fee
$0
Card Cost
$0
Sites
290+
Driveline Fuel Card
Joining Fee
$10
Card Cost
$0
Sites
900+
Discount
8c/l Up to 8c/l on petrol & 9c/l on diesel
BP Fuelcard (by Kiwi Fuelcard)
Joining Fee
$0
Card Cost
$0
Transaction
0.5c/l and 50c per transaction for non fuel items
Sites
1100+
Discount
Available
BP Fuelcard (by NZ Fuelcards)
Joining Fee
$0
Card Cost
$1.33 per card per month
Transaction
$0
Sites
300+
Discount
20c Up to 20c/l on diesel or 10c/l for petrol
BP Fuelcard (by GOfuel)
Joining Fee
$0
Card Cost
$0
Transaction
$0
Sites
300+
Discount
Available
BP Fuelcard
Joining Fee
$0
Card Cost
$15 per card
Transaction
10c
Sites
350
Discount
6c/l

Here are all the fuel cards you can use at BP.

This view shows the differences in discounts and fees between each fuel card when used at BP stations. This is important because some will advertise discounts, but they not apply at all the stations the card is accepted at.

Find a deal

Caltex

CardSmart
Joining Fee
$10 per card
Card Cost
$6 per card (every 6 years)
Transaction
$0
Sites
290+ (includes Mobile, NPD and Allied sites)
Discount
8c/l
Diesel Caltex & Z Truckstop (by NZ Fuelcards)
Joining Fee
$0
Card Cost
$1.33 per card per month
Transaction
$0
Sites
120+
Discount
20c/l From 20c/l
Petrol Caltex & Z (by NZ Fuelcards)
Joining Fee
$0
Card Cost
$1.33 per card per month
Transaction
$0
Sites
550+
Discount
7c/l
Mobilecard (by Capricorn)
Joining Fee
$0
Card Cost
$0
Sites
290+
Driveline Fuel Card
Joining Fee
$10
Card Cost
$0
Sites
900+
Discount
8c/l Up to 8c/l on petrol & 9c/l on diesel
Caltex Starcard (by Kiwi Fuelcards)
Joining Fee
$10
Card Cost
$6 per card for 2 yrs
Transaction
0.5c/l and 50c per transaction for non fuel items
Sites
300+
Discount
Available
Z
Discount
8c/l

Caltex doesn’t have a fuel card and directs all users to Z

Here are all the fuel cards you can use at Caltex.

This view shows the differences in discounts and fees between each fuel card when used at Caltex stations. This is important because some will advertise discounts, but they not apply at all the stations the card is accepted at.

Challenge

CardSmart
Joining Fee
$10 per card
Card Cost
$6 per card (every 6 years)
Transaction
$0
Sites
290+ (includes Mobile, NPD and Allied sites)
Discount
$0
Driveline Fuel Card
Joining Fee
$10
Card Cost
$0
Sites
900+
Discount
8c/l Up to 8c/l on petrol & 9c/l on diesel
Z
Discount
8c/l

Here are all the fuel cards you can use at Challenge.

This view shows the differences in discounts and fees between each fuel card when used at Challenge stations. This is important because some will advertise discounts, but they not apply at all the stations the card is accepted at.

G.A.S.

CardSmart
Joining Fee
$10 per card
Card Cost
$6 per card (every 6 years)
Transaction
$0
Sites
290+ (includes Mobile, NPD and Allied sites)
Discount
8c/l
Driveline Fuel Card
Joining Fee
$10
Card Cost
$0
Sites
900+
Discount
8c/l Up to 8c/l on petrol & 9c/l on diesel
BP Fuelcard
Joining Fee
$0
Card Cost
$15 per card
Transaction
10c per transaction
Sites
350
Discount
6c/l

Here are all the fuel cards you can use at G.A.S.

This view shows the differences in discounts and fees between each fuel card when used at G.A.S. stations. This is important because some will advertise discounts, but they not apply at all the stations the card is accepted at.

GAS doesn’t have a fuel card themselves but due to their partnership with BP, they do list information about BP Fuel Cards on their site. Driveline Fuel Cards and CardSmart is also accepted at the 100+ GAS petrol stations.

Gull

CardSmart
Joining Fee
$10 per card
Card Cost
$6 per card (every 6 years)
Transaction
$0
Sites
290+ (includes Mobile, NPD and Allied sites)
Discount
$0
Mobilecard (by Capricorn)
Joining Fee
$0
Card Cost
$0
Sites
290+
Gull Fleet Card
Card Cost
$3.95 per month
Transaction
20c per transaction
Sites
90+
Discount
Available

Here are all the fuel cards you can use at Gull.

This view shows the differences in discounts and fees between each fuel card when used at Gull stations. This is important because some will advertise discounts, but they not apply at all the stations the card is accepted at.

Mobil

CardSmart
Joining Fee
$10 per card
Card Cost
$6 per card (every 6 years)
Transaction
$2
Sites
290+ (includes Mobile, NPD and Allied sites)
Discount
$0
Mobilcard (by Allied Petroleum)
Sites
76
Mobilecard (by Capricorn)
Joining Fee
$0
Card Cost
$0
Transaction
$0
Sites
290+
Discount
5.5c
Driveline Fuel Card
Joining Fee
$10
Card Cost
$0
Sites
900+
Discount
8c/l Up to 8c/l on petrol & 9c/l on diesel
Mobilecard (by GOfuel)
Joining Fee
$10
Card Cost
$10
Transaction
$0
Sites
$10
Discount
Available
Mobilcard (by Kiwi Fuelcards)
Joining Fee
$10
Card Cost
$6 per card (every 4 years)
Transaction
$0 but 50c transaction fee for non fuel purchases
Sites
290+ (includes Mobile, NPD and Allied sites)
Discount
Available
Mobilcard (by NZ Fuelcards)
Joining Fee
$0
Card Cost
$1.33 per card per month
Transaction
$0
Sites
290+ (includes Mobile, NPD and Allied sites)
Discount
10c
Mobilcard
Card Cost
$30 per card for 4 yrs
Transaction
15c per transaction
Sites
370

Here are all the fuel cards you can use at Mobil.

This view shows the differences in discounts and fees between each fuel card when used at Mobil stations. This is important because some will advertise discounts, but they not apply at all the stations the card is accepted at.

NPD

NPD Fuel
Sites
60+
Discount
Available

Here are all the fuel cards you can use at NPD.

This view shows the differences in discounts and fees between each fuel card when used at NPD stations. This is important because some will advertise discounts, but they not apply at all the stations the card is accepted at.

RDP

BP Fuelcard (by Kiwi Fuelcard)
Joining Fee
$0
Card Cost
$0
Sites
1100+
BP Fuelcard
Joining Fee
$0
Card Cost
$15 per card
Transaction
10c per transaction
Sites
350
Discount
6c/l
RDP Fuel Card
Transaction
$0
Discount
12c/l

Here are all the fuel cards you can use at RD Petroleum.

This view shows the differences in discounts and fees between each fuel card when used at RD Petroleum stations. This is important because some will advertise discounts, but they not apply at all the stations the card is accepted at.

Waitomo

BP Fuelcard (by Kiwi Fuelcard)
Joining Fee
$0
Card Cost
$0
Sites
1100+
Waitomo Fuel Card
Transaction
$0
Discount
Available

Here are all the fuel cards you can use at Waitomo.

This view shows the differences in discounts and fees between each fuel card when used at Waitomo stations. This is important because some will advertise discounts, but they not apply at all the stations the card is accepted at.

Z

CardSmart
Joining Fee
$10 per card
Card Cost
$6 per card (every 6 years)
Transaction
$0
Sites
290+ (includes Mobile, NPD and Allied sites)
Discount
8c/l
BP Fuelcard (by Kiwi Fuelcard)
Joining Fee
$0
Card Cost
$0
Sites
1100+
Mobilecard (by GOfuel)
Joining Fee
$10
Card Cost
$10
Sites
$10
BP Fuelcard (by GOfuel)
Joining Fee
$0
Card Cost
$0
Transaction
$0
Sites
300+
Discount
Available
Z
Discount
8c/l

Here are all the fuel cards you can use at Z.

This view shows the differences in discounts and fees between each fuel card when used at Z stations. This is important because some will advertise discounts, but they not apply at all the stations the card is accepted at.

Card Specific Information You Should Know

CardSmart

Operates as a dedicated fuel card provider that gives drivers the widest range of fuel stations with over 1,100 sites accepting the card. Their discount partners are BP, Caltex, Z and GAS where 8c/l is offered in promo periods for new customers. While the other larger networks like Mobil accept the card no discounts are offered off the pump price.

Challenge

Officially Challenge has a community rewards card that gives discounts on fuel but does is not a fuel card. Similarly if you’re a New Zealand senior citizen / veteran, you can enjoy 8c/l off when holding a SuperGold Card – again this is just a discount and not a fuel card.

They do however openly list Farmland branded Caltex Starcard that can be used at Challenge stations:

  • Competitive discounts on pump pricing
  • Convenient monthly payment
  • PIN security
  • No transaction fees

Challenge doesn’t have a fuel card and directs all users to Z.

RDP

Worth noting that it’s unclear whether the 12c/l discount applies to all 350+ sites within BP network or only RDP sites.

NZ Fuel Cards

Focused on saving you money NZ Fuel Cards don’t provide an all in one card, but do provide multiple cards depending on the station you choose to fill up at. You can save at least 10c/l by using one of their branded cars from BP, Z, Starcard or Mobil.

This means if you want to expand the network, you can have them provision you all 4 cards which you have to keep with you but they do give you a handy card wallet. It’s not the most elegant solution but their offering on paper is fantastic if you’re on a budget whilst not compromising too much on coverage.

Industry partnerships

There are more significant industry discounts if you have a Farm Source account which enables you to apply for their “SuperCard” which holds discounts of up to 16c for Mobil, 11c for Z Energy, 3c for BP and 6c for Caltex stations. See more: https://store.nzfarmsource.co.nz/partnerships/fuel-partners`

Similarly if you’re a member of Farmlands you can save 12c per litre which is rebated to your Farmlands Account Statement (not a discount at the time of purchase which is why we have not included them in our table). See: https://www.farmlands.co.nz/Productsandservices/Farmlands-Fuel/StarCard/

If you’re a Farmland shareholder and after diesel, it might be worthwhile contacting them as they have negotiated exclusive discounts: https://www.farmlands.co.nz/Productsandservices/Farmlands-Fuel/Truck-stop-pricing-update/

  1. Sandra

    Thank you for doing the comparison!
    I really appreciate your great work for the consumer.

  2. Tony Simpson

    A warning on Cardsmart. I joined my work team thinking all the good perks and prices and then 4 months in got a letter saying the good deal was introductory and here are new costs.Cardsmart may be able to offer the following discounts and terms on your business fuel card account with the convenience of knowing that wherever you go in NZ that you and your drivers can continue to make payment for your fuel whilst receiving a discount. This would apply for 12 months from the date of acceptance with:
    • $4.99 Monthly Card Fee
    • $2.00 Transaction Fee
    • $2.00 Network Fee outside of BP, Caltex, Z and GAS using petrol and diesel fuels
    • 4c per litre discount at BP, Caltex, Z and GAS using petrol and diesel fuels

    For no effort at all and no other costs, I can get 6 cents per litre discount using till receipts from New World.

    I felt a bit like some of our customers who have been scammed by overseas phone calls. Not at all what I expected. Maybe I did not read the fine print.

  • Enquire to save

    As one of Australia's largest fuel card providers, Business Fuel Cards will help your business realise substantial savings, convenience, flexibility and control of your fleet fuel purchases.

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