Point Hacks Credit Card Guide

Best credit cards for earning points for fuel and at petrol stations

If you spend a lot on fuel you should have the right credit card in your wallet – doing so could easily double your frequent flyer points earning capability from a standard card with no fuel-specific points bonuses.

In this overview I go into a little detail about the two points-earning credit cards which offer bonus spend at fuel stations.

There’s also a few links for further reading about the various points programs and other ways to earn more points, especially from fuel spend.

If you drive a lot – whether it’s the school run, for Uber or for work – take note.

American Express Platinum Edge – 2 Membership Rewards points per $ spent on fuel

The American Express Platinum Edge card usually has an annual fee of $195, and earns Membership Rewards points – American Express’ own points program.

Membership Rewards points can be transferred to a range of partners at your request, including the two most popular – into Virgin Australia Velocity points, and Singapore Airlines Krisflyer miles.

Transfers are into both these programs are at a rate of 1 Membership Reward point to 1 airline point / mile – meaning you’ll effectively earn 2 Velocity points or Krisflyer miles per $ spent on all your fuel.

American Express Platinum Edge - $200 travel credit each year

American Express are offering $200 travel credit each year with the Platinum Edge. Offers 3 points per $ at supermarkets, and 2 points per $ on fuel.

  • $200 travel credit each year which can be used for flight, hotel or rental car bookings with Amex Travel
  • Travel and purchase protection insurances (PDS)
  • 3 Membership Rewards points earned per $ spent at supermarkets, 2 points earned per $ on fuel, and 1 point per $ everywhere else except for utilities and the ATO
  • 0% p.a. on balance transfers for the first 12 months, with a 1% establishment fee - maximum balance transfer is $10,000 or 70% of your approved credit limit, whichever is less
  • Annual fee: $195 p.a.
  • Card Members who currently hold or who have previously held any Card product issued by American Express Australia Limited in the preceding 18 month period are ineligible for this offer. Previous and existing bank-issued American Express companion cardholders are eligible for this offer.

Find out more or apply →

Point Hacks earn a maximum of $180 per applicant for this card. More about this →

You can also earn 3 points per $ at Supermarkets, and 1 point per $ on your other day-to-day spend (except for utilities and government spend, which comes in at 0.5 points per $).

This card also offers a free domestic flight on Virgin Australia each year, which can easily offset the annual fee.

Otherwise other Membership Rewards partners include Etihad Guest, Emirates Skywards, Cathay Pacific Asia Miles and many more. I think Membership Rewards is great – there’s a full guide to this program here.

Want to know more about this card? Read the full American Express Platinum Edge guide here →

David Jones American Express

If you prefer Qantas Points, one of the David Jones American Express card should be considered.

When you first apply for the card, you can choose if you want to earn Qantas Points or David Jones Membership Rewards points – go for Qantas Points for most value.

If you do, you’ll get 2.25 Qantas Points per $ spent at fuel stations AND supermarkets.

There are two cards in the range – both earn the same for fuel spend and at supermarkets, so in most cases you’ll probably want to opt for the lower annual fee David Jones (black) card, unless you also spend a lot at DJ’s – in which case the Platinum card will pay back more.

David Jones American Express - 22,500 Qantas Points or 30,000 DJ's MR points

There's 30,000 DJ's Membership Rewards points for new applicants - could be transferred to 15,000 Starpoints - or 22,500 Qantas Points. This card is a high earning Qantas Point card for Supermarkets & Fuel spend, with $99 annual fee.

  • Choose 30,000 David Jones Membership Rewards points or 22,500 Qantas Point signup bonus
  • Exclusive benefits at David Jones, including free standard delivery for online purchases, free gift wrapping, 4 years interest free on big ticket items
  • 3 David Jones Membership Rewards points per $ at Supermarkets/Fuel, 2 points per $ at David Jones, 1 point per $ everywhere else OR
  • 2.25 Qantas Points earned per $ at Supermarkets/Fuel, 1.5 Qantas Points per $ at David Jones, 0.75 points per $ everywhere else
  • $99 annual fee
  • Minimum income requirement of $40,000 pa
  • Only available to new David Jones American Express customers within the last 18 months
  • Eligible for signup bonus after 3 transactions outside of David Jones in first 3 months of holding the card

Find out more or apply →

Point Hacks earn a maximum of $169 per applicant for this card. More about this →

David Jones Platinum American Express - 30,000 Qantas Points or 40,000 DJ's MR points

The David Jones Platinum Amex has a great signup bonus with excellent ongoing bonus points for spend at David Jones, Supermarkets and on Fuel. It's a useful card for earning either Qantas Points, or Starwood Preferred Guest points.

  • Choose 40,000 David Jones Membership Rewards points or 30,000 Qantas Points sign up bonus
  • Exclusive benefits at David Jones, including free standard delivery for online purchases, free gift wrapping, 4 years interest free on big ticket items $295 annual fee
  • 3 David Jones Membership Rewards points per $ at Supermarkets/Fuel, 4 points per $ at David Jones, 1 point per $ everywhere else, OR
  • 2.25 Qantas Points earned per $ at Supermarkets/Fuel, 3 Qantas Points per $ at David Jones, 0.75 points per $ everywhere else
  • $295 annual fee
  • Minimum income requirement of $65,000 pa
  • Only available to new David Jones American Express customers within the last 18 months
  • Eligible for bonus points eafter 3 transactions outside of David Jones in first 3 months of holding the card

Find out more or apply →

Point Hacks earn a maximum of $200 per applicant for this card. More about this →

Other fuel and points earning opportunities – earning extra points at BP and Caltex

Don’t forget that BP and Velocity have also joined forces to offer additional points on your fuel spend at BP service stations – there’s more on this offer here.

Note that the Velocity points earned from BP purchases are on top of those from your credit card, so you’re getting an even higher points return from the purchases you were making anyway.

At Caltex you can also earn 1 bonus point per $ spent if you hold a Westpac Altitude Rewards card (more here) – this is equivalent to 0.5 of most airline points, such as Velocity or Krisflyer miles. Read the guide to Altitude Rewards cards here →

Summing up

These cards are the only cards on the market that offer bonus points for fuel spend.

If you put a lot of fuel expenditure on your credit card for any reason, having the right card in your wallet can pay back.

Best credit cards for earning points for fuel and at petrol stations was last modified: August 23rd, 2016 by Keith

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Comments Expand Comments

  1. Steve

    This can be leveraged a bit more, if you also have an Entertainment Book you can buy Wish gift cards at 5% off, because Woolworths are a supermarket you get 3ppd from Woolworths if using the Edge for this spend. Then use the Wish card wat Woolworths/Caltex stores for petrol and if you swipe uour WOW EDR card you may get discounts and/or Qantas points.

    • Simon

      Steve,
      I’m keen to find out if this is actually the case. I do as you do, and buy the gift cards through Entertainment Book, but on my statement the charge is from Everyday Gift Cards, not Woolworths, so I wonder if Amex still classifies that as a supermarket purchase. Would be good if anyone could provide the answer.
      If they did it would probably prompt me to get this card.

  2. Elsa H

    I also recently found out with the everyday rewards card instead of getting the 4c/litre discount you can choose to get 2 points per litre at Woolworths branded Caltex petrol stations

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