The fuel card that saves small businesses the most in Australia often comes down to how much you spend on fuel each month and where your drivers refuel. For many fleets, FleetCard and Shell Card deliver the biggest overall savings.
However, if you’re loyal to a single brand, BP Plus, 7-Eleven or AmpolCard can offer competitive cents-per-litre discounts plus rewards programs.
There’s no single “winner” for every business. Instead, the best card for savings depends on your driving patterns, fuel type, and whether you value rewards points alongside cents-off discounts.
What to Look For in a Fuel Card for Maximum Savings
- Fuel discounts: Ongoing discounts are usually 2–6c per litre. Promotional offers can be higher (6–8c per litre) for the first 6 months.
- Station network: Cards with wider acceptance mean less time wasted looking for the right pump.
- Fees: Monthly card fees ($2.50–$5.99) can offset savings if you don’t use the card heavily.
- Rewards: Points with Flybuys, Qantas Business Rewards, or Everyday Rewards can add value.
- Admin savings: GST-compliant invoicing and software integration reduce bookkeeping costs.
Comparison of Major Fuel Cards in Australia
| Fuel Card | Network | Typical Discount | Card Fee | Rewards |
| FleetCard 🔥 | 6,200+ stations across Australia (multi-brand) | 3–4c per litre ongoing, promos up to 6c | $5.99 | None |
| WEX Motorpass 🔥 | 6,000+ stations, multi-brand including independents | 2–4c per litre depending on volume | $5.99 | None |
| Shell Card 🔥 | 1,500 Shell stations | Up to 6c during promotions, 2–4c ongoing | $2.50 | Earn Flybuys points |
| BP Plus | 1,400+ BP sites | 2–4c per litre, up to 6c during promos | $2.95–$4.95 | Earn Qantas Business Rewards |
| AmpolCard | 2,000+ Ampol sites | 4c per litre (premium fuels sometimes higher) | $2.95 | Earn Everyday Rewards |
| 7-Eleven Fuel Card | 640+ 7-Eleven stations | 2c ongoing, 6–8c promo | $0–$2.50 | None |
| Mobil Card | 550+ Mobil sites (plus WEX access) | 2c per litre | $2.50 | None |
| United Card | 500+ United stations | Up to 4c per litre | $2.50 | None |
Which Card Delivers the Biggest Fuel Savings?
- For flexibility and nationwide access: FleetCard and WEX Motorpass usually save small businesses the most because they cover almost every major brand and give consistent discounts.
- For loyalty and rewards: Shell Card with Flybuys and BP Plus with Qantas points can provide extra value if you want perks alongside cents-off savings.
- For diesel-heavy fleets: AmpolCard is often one of the best because its diesel discounts can reach 4c per litre ongoing.
- For no-fee seekers: Allied and 7-Eleven have low or in some cases no monthly fees, making them cost-effective for very small businesses.
How Much Could Your Business Save with a Fuel Card?
Say you run three vans, each driving 25,000 km a year at 9L/100km fuel use. That’s 6,750 litres annually.
- With a 4c discount, you save $270 per year.
- With a 6c discount, you save $405 per year.
- With loyalty points, you might earn an extra $50–$100 in gift cards or flights annually.
For larger fleets, multiply those numbers and the savings get serious. Here’s a few more examples of how much your business could save.
| Fleet Size | Annual Litres Used | Saving at 2c/L | Saving at 4c/L | Saving at 6c/L | Saving at 8c/L |
| 2 vehicles | 4,500L | $90 | $180 | $270 | $360 |
| 5 vehicles | 11,250L | $225 | $450 | $675 | $900 |
| 10 vehicles | 22,500L | $450 | $900 | $1,350 | $1,800 |
Hidden Fuel Card Costs That May Reduce Savings
- Monthly card fees: $3 per card × 3 vehicles = $108 per year, which can eat into cents-off gains.
- Transaction surcharges: Using a card outside its network may attract 0.55–2% fees depending on the provider.
- Expiry of promos: After a 6-month high discount period, some cards drop back to 2c per litre or in some cases, no savings.
Always check the long-term rates, not just the sign-up deal.
Final Take
The fuel card that saves small businesses the most in Australia depends on your needs. If you want the widest acceptance and steady discounts, FleetCard or Shell are usually the strongest picks. If you’re loyal to one fuel brand and want rewards points, 7-Eleven, BP Plus, or AmpolCard may deliver the most value.
For the biggest overall savings, weigh both the fuel discount and the admin efficiency. Small businesses often find that the right fuel card pays for itself within months.
Enquire to save
Fuel Card Savings for Small Businesses in Australia FAQs
Which fuel card has the biggest network in Australia?
FleetCard and WEX Motorpass both cover more than 6,000 stations, making them the most widely accepted.
Which card offers the best promotions?
7-Eleven, BP Plus, and Shell Card often run 6–8c per litre promotions for new customers.
Can small businesses earn rewards with fuel cards?
Yes. Shell Card earns Flybuys, BP Plus earns Qantas Business Rewards, and AmpolCard earns Everyday Rewards points.
Are fuel card savings worth it for just one or two vehicles?
Yes. Even with two cars, the admin savings from GST invoices and reduced reimbursements can make it worthwhile, alongside cents-off savings.
Which card has the lowest fees?
Most major cards charge $2.50–$5.99 per month, with Shell Card, StarCard, and 7-Eleven offering the lowest monthly fee.
