Fuel Cards for NZ Businesses

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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.

by Shaun McGowan

1. Important considerations

  • 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

    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

    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

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

  • 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

    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

    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.

2. 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.

3. Table of fuel station acceptance























3 Z

4. Special mentions

  • 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 and a whopping 12c/l from Mobil. While the other larger networks like Gull 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 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.

    • Sue Smith

      Yes, I changed from BP fuel cards for our fleet to Cardsmart – only been with them 4mths approx got email today from current 8c per litre discount it being reduced to only 2c discount. Get more from Pak n save! not happy as was a hassle to change to them now having to change again.

  3. Perhaps if you contact me I can help you with a ” no surprises ” fuel account

  4. Greg McIntyre

    Waitomo is by far the best company to deal with. No smoke and mirrors. Genuinely there to help.

A fuel card that’s accepted everywhere
99.5% coverage across fuel sites with New Zealand’s most flexible fuel card
FOR FIRST 3 months
Terms and conditions apply New Customers only
  • Add your details so we can contact you to organise a time that best suits you
A fuel card that’s accepted everywhere
99.5% coverage across fuel sites with New Zealand’s most flexible fuel card
FOR FIRST 3 months

By clicking 'Send enquiry' I understand Comparefuelcards.co.nz recommends will send my details to CardLink New Zealand for CardSmart. Your information is important to us.

We respect and guarantee your privacy, our service is free and your enquiry is sent directly to CardLink New Zealand.

Terms and conditions apply New Customers only
What customer’s say about us
"Eliminating paper receipts has saved us A LOT of time and headaches. Choosing the right provider was easy as we wanted the most flexible card so a big thankyou!"
- Remy S.

Privacy & Security

LAST UPDATED: 26/10/2020
We believe fairness and transparency are important and power the decisions we make. This includes how we gather and respect your personal information. We’ve written this online Privacy Policy to empower and inform you about your privacy while on our website.

Terms last updated 11 June 2020


1.1 Thank you for using our website located at comparefuelcards.co.nz and any other site or social media account under the name “comparefuelcards.co.nz” (collectively, “Site”). This Site is operated by Nutshell Media Pty Ltd (ACN 641 571 146).
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1.6 We reserve the right to update these Terms from time to time. Any changes to these Terms will be effective from the date published on our Site.
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2.1 In addition to the definitions provided in clause 1, the following words have the following meaning in these Terms:
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2.13 “State” means the state of Victoria in the Commonwealth of Australia.
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6.3 You agree that despite any result that he Eligibility Checker returns, the actual eligibility of your business may be different. You must always confirm your eligibility status and any conditions, requirements and guidelines with specific Partners.
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6.5 The Eligibility Checker may be updated from time to time and new features may be added to it.

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(g) agree that we can store Uploaded Content in our servers; and
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8.5 Unless otherwise stated, we retain all rights, title and interest in and to the Works on the Site. Nothing you do on or in relation to the Site will transfer any:
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(a) the supply of products or services to you again; or
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(c) our liability is excluded to the extent that you contributed to the liability;
(d) we exclude all liability for anything you have been aware of for longer than six months and you have not commenced a claim; and
(e) our liability is subject to your duty to mitigate your loss.
9.6 All subclauses of this clause 9 are cumulative to one another.


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(iii) any damage to person, property, personal injury or death;
(iv) your breach of these Terms;
(v) any matter for which we have purported to disclaim liability for under these Terms;
(vi) your breach or failure to observe any applicable law.


11.1 You are solely responsible for any interactions or disputes that may arise out of you transacting or communicating with our Partners.
11.2 If a dispute arises out of or relates to the Terms as between us and a user (“Dispute”), either party may not commence any Tribunal or Court proceedings in relation to the dispute, unless the following clauses have been complied with (except where urgent interlocutory relief is sought).
(a) Compulsory process. A Party shall not start arbitration or court proceedings (except proceedings seeking interlocutory relief) in respect of a Dispute unless it has complied with this clause.
(b) Notification. A Party claiming that a Dispute has arisen shall notify each other party to the Dispute giving details of the Dispute.
(c) Initial period – efforts to resolve Dispute. During the 30-day period after a notice is given (or longer period agreed in writing by the Parties to the Dispute) (“Initial Period”) each Party to the Dispute (“Disputant”) covenants with the other to cooperate and take all reasonable steps necessary to attempt to resolve the Dispute.
(d) Mediation. If the Disputants are unable to resolve the Dispute within the Initial Period, each Disputant agrees that the Dispute shall be referred for mediation, at the request of any Disputant, to:
(i) a mediator agreed on by the Disputants; or
(ii) if the Disputants are unable to agree on a mediator within seven days after the end of the Initial Period, then the Parties must submit the dispute for mediation through the Chair of Resolution Institute (ACN 008 651 232) or the Chair’s designated representative and the Resolution Institute Mediation Rules shall apply to the mediation.
(e) Role of mediator. The role of any mediator is to assist in negotiating a resolution of the Dispute. A mediator may not make a decision that is binding on a Disputant unless that Disputant has so agreed in writing.
(f) Information. Any information or documentation disclosed by a Disputant under this clause shall be kept confidential and may not be used except to attempt to resolve the Dispute.
(g) Costs of mediation. Each Disputant shall pay its own costs of complying with this clause. The Disputants shall pay equally the costs of any mediator engaged.
(h) Location, timing and attendance. The mediation will be held in Melbourne, Australia, within 30 days after expiry of the Initial Period. Each Disputant agrees to attend the mediation by a representative having full authority to resolve the dispute. At the mediation, each Disputant may be represented by one or more legal representative.
(i) Failure to resolve. If the dispute fails to resolve at mediation or if one of the Disputants fails or refuses to attend the mediation, the mediator will be requested to inform each Disputant in writing that the mediation has been terminated without resolution (“Mediation Termination Notice”). Upon receipt of Mediation Termination Notice, the dispute resolution process will be terminated. A party to a dispute will only be entitled to pursue other remedies available to it at law or otherwise, after receipt of Mediation Termination Notice.
(j) Confidentiality. All communications concerning negotiations made by the Disputants arising out of and in connection with this dispute resolution clause are confidential and to the extent possible, must be treated as “without prejudice” negotiations for the purpose of the applicable law of evidence.


12.1 The Site may contain links and pointers to websites operated by third parties or Partner websites.
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13.1 You must not assign, sublicense or otherwise deal in any other way with any of your rights under these Terms.
13.2 If a provision of these Terms is invalid or unenforceable it is to be read down or severed to the extent necessary without affecting the validity or enforceability of the remaining provisions.
13.3 These Terms are governed by the laws of the State and each party submits to the jurisdiction of the courts of the State and all courts of appeal therefrom.
13.4 Any waiver of any term on these Terms by us can only be done in express writing. Any failure on our part to enforce a term does not constitute a waiver and we reserve the right in relation to all breaches unless expressly stated otherwise.
13.5 The contents of these Terms constitute the entire agreement between the parties and supersede any prior negotiations, representations, understandings or arrangements made between the parties regarding the subject matter of this agreement, whether orally or in writing.
13.6 A provision of these Terms which can and is intended to operate after its conclusion will remain in full force and effect – including without limitation clauses 2, 5, 7, 8, 9, 10, 11, 13 and all disclaimers, indemnities and releases.


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14.4 Notices are taken to be read on the day they are received, unless they are received after 5 PM or not on a business day in the State, in which case they are deemed to be received on the next business day.

© 2020 Nutshell Media Pty Ltd. ALL RIGHTS RESERVED.


LAST UPDATED: 26/10/2020
We believe fairness and transparency are important and power the decisions we make. This includes how we gather and respect your personal information. We’ve written this online Privacy Policy to empower and inform you about your privacy while on our website.

Privacy Policy last updated 16 June 2020


1.1 Thank you for using our website located at comparefuelcards.co.nz and any other site or social media account under the name “comparefuelcards.co.nz” (collectively, “Site”). This Site is operated by Nutshell Media Pty Ltd (ACN 641 571 146).
1.2 Any reference to “our,” “we,” or “us” means Nutshell Media Pty Ltd (ACN 641 571 146). Any reference to “you” or “your” means you, as a user of the Site.
1.3 Our Privacy Policy sets out how we collect, use, store and disclose your Personal Information, and constitutes part of our Terms and Conditions available here (“Terms”). By using the Site, you:
(a) consent to the collection, processing, and management of Personal Information as described in this Privacy Policy.
(b) also agree to the Terms.
1.4 Please read this Privacy Policy carefully as it explains how we collect, store and use your Personal Information in accordance with the applicable Privacy Laws.
1.5 The Site gives you an opportunity to input information, complete questionnaires and submit enquiries about products and services offered by our Partners (our “Services”), who in return may contact you in relation to your enquiry.
1.6 We reserve the right to update the Privacy Policy from time to time. Any changes to the Privacy Policy will be effective from the date published on our Site.


2.1 In addition to the definitions provided in clause 1, the following words have the following meaning in these Terms:
2.2 “NDB” means the Privacy Amendments (Notifiable Data Breaches) Act 2017 (Cth).
2.3 “Non-Personal Information means any information which is not Personal Information.
2.4 “Personal Information” means information about an individual which can be used to identify that individual, or any other definition given to it in the Privacy Laws.
2.5 “Privacy Laws” means the Privacy Act 1988 (Cth), Privacy Amendment (Notifiable Data Breaches) Act 2017 (Cth).
2.6 “Sensitive Information” has the same meaning as provided for under the Privacy Act 1988 (Cth).
2.7 Any other capitalised terms which are defined in the Terms have the same meaning as they do in the Terms.


3.1 This Privacy Policy details how we safeguard your Personal Information and our privacy obligations to you in compliance with the Privacy Laws. It will give you an understanding of:
(a) the types of Personal Information we collect from you;
(b) how and when we collect, disclose, use, store and otherwise handle your Personal Information;
(c) the purposes for which we collect, hold, use and disclose your Personal Information;
(d) how you may access your Personal Information, and seek correction of or update your Personal Information;
(e) how we store your Personal Information and keep it secure;
(f) how you can make a complaint, and how we will deal with your complaint.


4.1 We collect Personal Information from you in order to provide you with information about our Services. This may include (without limitation) Personal Information such as your:
(a) name;
(b) business or company name (if applicable);
(c) phone number;
(d) address and postcode;
(e) email address;
(f) IP address.
4.2 We do not collect Sensitive Information from you, such as information relating to your health or ethnic origin, unless it is necessary for our business purposes. If we do need to collect Sensitive Information from you, we will do so in accordance with the Privacy Laws.
4.3 We also automatically collect certain technical data that is sent to us from the computer, mobile device and/or browser through which you access the Platform (Automatic Data). Automatic Data, includes without limitation, a unique identifier associated with your access device and/or browser (including, for example, your Internet Protocol (IP) address) characteristics about your access device and/or browser, statistics on your activities on the Platform, details of the license packages you have subscribed for or that you have enquired about, including any additional information related thereto and response to your enquiries, or information about how you came to the Site. We collect Automatic Data based on your consent which was granted to us by you when you have elected to use the Site.
4.4 When you interact with the Site, we may collect Non-Personal Information. The limitations and requirements in this Privacy Policy on our collection, use, disclosure, transfer and storage/retention of Personal Information do not apply to Non-personal Information. When you use the Site or otherwise submit Personal Information to us, we may associate other Non-personal Information (including Non-personal Information we collect from third parties) with your Personal Information. At such instance, we will treat any such combined data as your Personal Information until such time as it can no longer be associated with you or used to identify you.


5.1 We collect Personal Information from you when you use our Services, including but not limited to when you:
(a) input information through the Site, for example while making an enquiry or submitting a review;
(b) provide us with feedback, including without limitation on the phone, by email, and through our surveys and questionnaires
(c) use our comparison tools or calculator;
(d) while interacting with us through our Site or directly.
5.2 We may also receive Personal Information from third parties in connection with the supply of our Services. If we do, we will protect your Personal Information in accordance with this Privacy Policy.


6.1 We use your Personal Information and you consent to us using your Personal Information to:
(a) provide you with our Site and Services;
(b) disclose it with accordance with clause 7, specifically to our Partners when we provide them with Service Leads;
(c) administer our business activities and internal record keeping;
(d) enable us to conduct customer research;
(e) provide you with marketing and promotional materials;
(f) review your dealings with us, including any products or services that you previously enquired about, or other products or services that may be of interest to you;
(g) manage, research and develop our Site and Services including through data analytics;
(h) conduct research, questionnaires and competitions, including on behalf of our Partners;
(i) communicate with you by a variety of measures including, but not limited to, by telephone, email, SMS or mail;
(j) meet legal, regulatory and compliance obligations; and
(k) investigate any complaints.
6.2 If you choose to withhold your Personal Information, it may not be possible for us to provide you with our Services or for you to access certain parts of our Site or for us to respond to your query.


7.1 We will only disclose your Personal Information to third-parties for the purposes described in this Privacy Policy.
7.2 We may disclose your Personal Information to any of our Partners, employees, officers, insurers, professional advisers, agents, suppliers or subcontractors insofar as reasonably necessary for the purposes set out in this Privacy Policy.
7.3 The main purposes of our Site are to allow you to make enquiries or expressions of interest to our Partners, and provide Service Leads to our Partners. Accordingly, your Personal Information will be forwarded to our Partners.
7.4 We may share your Personal Information with third-party service providers to help us provide our Site and Services.
7.5 When we disclose your Personal Information to third-party service providers, we do so on the basis that your Personal Information is treated with confidence, and only used for the limited purpose of providing support to our Site, and in a manner consistent with this Privacy Policy.
7.6 We may from time to time need to disclose Personal Information to comply with a legal requirement, such as a law, regulation, court order, subpoena, warrant, in the course of a legal proceeding or in response to a law enforcement agency request.
7.7 If there is a change of control in our organisation or a sale or transfer of organisation assets, we reserve the right to transfer to the extent permissible at law our databases, together with any Personal Information and non-Personal Information contained in those databases.

8 Disclosure of personal information outside Australia

8.1 We may disclose personal information outside of Australia to insert type of entities to which you disclose information, eg third party suppliers, cloud providers, developers, IT support, and Partners located in Vietnam, Thailand, Singapore, Serbia and the Philippines.
8.2 When you provide your Personal Information to us, you consent to the disclosure of your information outside of Australia and acknowledge that we are not required to ensure that overseas recipients handle that personal information in compliance with the Privacy Laws. We will, however, take reasonable steps to ensure that any overseas recipient will deal with such personal information in a way that is consistent with the Privacy Laws.


9.1 We are committed to ensuring that the Personal Information you provide to us is secure. To prevent unauthorised access or disclosure, we have put in place suitable physical, electronic and managerial procedures to safeguard and secure data and to protect this data from misuse, interference, loss and unauthorised access, modification and disclosure.
9.2 A reportable “Data Breach” is a security incident where the integrity of Personal Information or Personal Data is compromised through being destroyed, lost, altered, corrupted, disclosed or accessed by an unauthorised person where it is likely to result in serious harm to any individual affected.
9.3 We have procedures and systems in place including a data breach incident response plan, specific data breach policies and procedures and personnel to deal with an actual or suspected “Data Breach” and will notify you and the applicable regulator in accordance with our obligations under the NDB.
9.4 Please report any actual or suspected data breaches to us by using the Contact Us section provided below so that we can investigate the data breach and take any necessary action.


10.1 We use cookies on our Site. Cookies are small files that are stored on your computer or mobile device when you visit our Site to keep track of your actions and preferences.
10.2 We use cookies and similar technologies:
(a) to bring you relevant content and improve user experience;
(b) to collect information such as your IP address and browser type, device information and language;
(c) to analyse data about webpage traffic;
(d) for advertising and marketing purposes; and
(e) to perform data analytics and improve our Site.
10.3 You can configure your Internet browser to accept all cookies, reject all cookies or notify you when a cookie is set. If you disable cookies from being stored in your computer or on your device, you may not be able to use the full functionality of the Site.


11.1 We use technologies and third-party services such as Google Analytics, pixels, tags and web beacons (code snippets) on our Site to customise content and advertising, and to analyse traffic to our Site, including about how you use and interact with our Site.
11.2 Third-party analytics tools collect Non-Personal Information such as how often you visit our Site, the web pages you visit, add-ons, and other analytics data that assists us in improving our Site and Services.
11.3 1We may also share information about your use of the Site with our Partners and other third parties.


12.1 You may request details of Personal Information that we hold about you in accordance with the provisions of the Privacy Laws.
12.2 If you would like a copy of your data or believe that your data is inaccurate, out of date, incomplete, irrelevant, please contact us using the contact details provided below.


13.1 Please contact us using the contact details below if you have any questions or concerns about our collection, use or disclosure of Personal Information. We will aim to resolve your complaint within 30 days.
13.2 If you remain dissatisfied, you may refer your complaint in writing to the Office of the Australian Information Commissioner.


14.1 Our Site may from time to time have links to other websites not owned or controlled by us or otherwise we may refer to third-party information on the Site.
14.2 Please note that we are not responsible for the privacy practices of other websites. It is your responsibility to make decisions regarding the relevance, accuracy, currency and reliability of information found on other websites.


15.1 This Site is operated Nutshell media Pty Ltd (ACN 641 571 146).
15.2 Our principal place of business is at Level 11, 484 St Kilda Road, Melbourne 3004.
15.3 You can contact us:
(a) by post, using the mailing address given above;
(b) using our contact form on the Site, should one be made available to you;
(c) email at [email protected]
15.4 Notices are taken to be read on the day they are received, unless they are received after 5 PM or not on a business day in the State, in which case they are deemed to be received on the next business day.

© 2020 Nutshell media Pty Ltd. ALL RIGHTS RESERVED.