Best Fuel Cards for Personal Use NZ (2025 Guide)

Fuel cards aren’t just for big businesses anymore. If you’re a regular driver in New Zealand, you can get your own fuel card, save real money at the pump, and skip the hassle of receipts and random discount days. Here’s a simple guide to the best options in 2025, what they offer, how much you could save, and what to watch out for.

Best Personal Fuel Cards in New Zealand (2025)

Here’s a quick side-by-side look at the top options available for everyday Kiwis.

*Discounts are often higher during the first 6-12 months during the card’s promo period and change thereafter depending on your fuel usage. 

Fuel Cards for Personal Use Quick Highlights

CardSmart

One card, many stations. Perfect for multi-car households.

• Accepted at over 1,400 sites across most NZ brands
• Personal accounts available
• Up to 15c/l saved during promo period
• Great admin tools and flexibility

Kora Fuel Card

A favourite for individuals and families.

• 10c off per litre at Mobil and Waitomo
• No monthly or joining fees
• Flexible payment options (weekly, fortnightly, monthly)
• Fast online application — no business required

Mobil, BP, Z & Caltex Branded Cards

Brand-specific but available to individuals.

• 8–10c discounts depending on card and station
• Mobil offers the widest personal-use coverage
• Z & Caltex cards earn Airpoints

Kiwi Fuel Card

Low-cost, local provider.

• Offers Mobil, Z, and BP cards
• No ongoing monthly fees
• Quick application for individuals

Driveline Fuel Card

Originally for lease customers, now open to all.

• 8c off petrol, 9c off diesel
• $10 one-off fee, no monthly cost
• Accepted at over 900 stations

What is a Fuel Card?

A fuel card is a dedicated payment card you use to buy petrol or diesel, and sometimes extras like oil, servicing, or car washes.

You fill up, swipe your card, and the fuel cost gets billed to your account. Instead of juggling receipts, you get one clean invoice (often with GST breakdowns) at the end of the month.

While most fuel cards were built for businesses, plenty now offer personal-use options, with real discounts and no need for an ABN.

Why Use a Fuel Card for Personal Use?

Using a fuel card means:

• Everyday discounts on petrol or diesel, often better than supermarket dockets or app coupons
• No guesswork — savings apply automatically at the pump
• Wide coverage so you’re not tied to one service station
• Easier admin — perfect if you’re tracking household budgets, doing part-time delivery work, or managing a shared car

Things to Watch Out For When Choosing a Fuel Card

• Fees: Some cards have joining or monthly fees — weigh that against the savings.
• Coverage: Make sure the card works at stations you already visit.
• Minimum spend: Most personal-use cards don’t enforce one, but double-check the terms.
• Application time: Some are instant (like Kora), others may take a few days.

Which Fuel Card Should You Choose?

• If you want maximum flexibility, go for CardSmart or the Mobil Fuel Card.
• For simple savings and zero fees, Kora is hard to beat, especially if you’re filling up at Mobil or Waitomo.
• If you love rewards, grab a Z & Caltex card to start earning Airpoints on your weekly top-up.

Tip: Always compare cents-off against supermarket or app offers — sometimes the “everyday” card savings come out on top.

Find the Right Fuel Card for You

Fuel cards aren’t just for tradies or big fleets anymore. In 2025, Kiwis have plenty of personal-use options that offer real savings and smarter fuel management, no ABN or GST number required. Whether you want simplicity, flexibility, or rewards, there’s a card to match. The key is picking one that suits your routes, habits, and budget style.

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FAQs

Can I get more than one fuel card for personal use?

Yes, many providers allow you to order multiple cards, handy if you share a vehicle with family or manage fuel across a couple of cars. Just make sure the account is set up to track usage per card.

Do fuel cards affect my credit score?

In most cases, no. Most personal-use fuel cards don’t require a credit check, especially if there’s no credit facility involved (like prepaid or auto-debit cards). For cards with billing cycles, a soft credit check might apply.

Can I use a personal fuel card for business if I freelance or contract?

Absolutely. If you’re self-employed or do part-time gig work (like delivery driving), a personal-use card can still be a smart way to manage fuel costs and keep your records tidy.

What happens if I stop using the card?

If a monthly fee is applicable, you’ll likely still be paying this fee, but it’s worth checking the terms. Some may close inactive accounts after a few months, while others may charge a minimal monthly fee regardless of usage.

Are fuel card discounts better than supermarket dockets?

Often, yes, especially if you drive regularly. Supermarket offers might give 6c–10c off occasionally, but fuel cards apply discounts every time you fill up, often with no minimum spend.

Can I cancel a fuel card anytime?

Yes, in most cases you can cancel a fuel card with no penalty. Just make sure you pay any fi

Are there any hidden costs?

Most fuel card providers are pretty transparent, but keep an eye out for transaction fees, card replacement fees, or admin charges. These are usually listed in the fine print, but always worth confirming before you sign up.

*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.