10 Best Credit Cards for Fuel in South Africa

The 10 Best Credit Cards for Fuel in South Africa (2025) – Reviewed. We have Rated and Reviewed the 10 Best Credit Card Options that Offer Rewards, Cashback, Benefits, Savings, Discounts, and points on Fuel (Gas, Petrol) for Individuals, Students with Bad Credit, Business Travel, and much more!

In this in-depth guide, you will learn:

1. The Best Credit Cards for Fuel in South Africa (2023) – a List
2. Which Bank or Provider (Discovery Bank, Capitec, Nedbank, FNB, Standard Bank, Absa) offers the best Credit Cards for Fuel with an annual, monthly, or, no annual fee?
3. Can you pay for Fuel in South Africa with a Credit Card? – Answered

And much, MUCH more!

10 Best Credit Cards for Fuel in South Africa – a Comparison

10 Best Credit Cards for Fuel in South Africa (2025)

1. ☑️ Discovery Bank Gold Card – Overall, the Best Credit Card for Fuel in SA
2. ☑️ Capitec (Shell V+) Card – 20 cents per liter cash bank on fuel
3. ☑️ Nedbank Gold Card – Fuel Cashback Rewards
4. ☑️ FNB Premier Card –  Up to 15% back on qualifying fuel purchases
5. ☑️ Standard Bank Gold Card – Up to R10 ZAR back in Rewards Points per liter of Fuel and Oil
6. ☑️ Absa Flexi Core Card – Cashback for Filling Up at Sasol
7. ☑️ Nedbank Private Wealth Card – 25c cash in Greenbacks on every liter of fuel
8. ☑️ Discovery Bank Purple Card – Up to 50% back of BP and Shell fuel spend
9. ☑️ FNB Aspire Card – R0.60 per liter back in eBucks for fuel spent at Engen
10. ☑️ Absa Transact Card – 30% real cash back at Sasol Petrol Garages

Discovery Bank Gold Credit Card

Vitality Money, Discovery Bank’s reward scheme, gives fuel rewards at select Shell and BP service stations. Outside of the offer of “up to 20% back on fuel purchases,” Discovery’s earn conditions for fuel rewards are ambiguous and difficult to decipher.

Discovery Bank Gold Credit Card Fees and Interest Rates

• ✅ Monthly account fee: R30
• ✅ Monthly Vitality Money premium: R25
• ✅ Monthly single credit facility fee: R35
• ✅ Total monthly account fee: R90

Interest rate:

• ✅ Up to 2% interest on your positive balances in your everyday accounts.
• ✅ Up to 6.75% interest on demand savings accounts.
• ✅ Up to 4% less interest on your borrowing rate.

Discovery Bank Gold Credit Card Conditions, Application, Limits, and, Utilization Rates

Download the Discovery Bank app, create an account, and apply for any Discovery Bank product in under five minutes. On the Discovery website, you may also leave your contact information and request a callback.

The ratio of the amount of revolving credit you are utilizing to the total amount of revolving credit you have available is your credit utilization rate, also known as your credit utilization ratio. In other words, it is the total amount of current debt divided by the credit limit.

Discovery Bank Gold Credit Card Customer Review

🥇 Bang for my Buck!

I’ve gotten a lot of bang for my buck when buying fuel with Discovery cards. Really helpful in these times. – Malcolm

Discovery Bank Gold Credit Card Pros and Cons

Capitec Shell V+ card

Capitec collaborates with Shell service stations to provide clients with cash back when they use a linked Shell V+ rewards card to fill up.  Swiping a Shell V+ card and paying for fuel or at Shell Select with a Capitec card earns consumers 20 cents per liter ‘cash back’ on fuel and 0.5% cash back on selected products.

On “Live Better Day,” the 10th of every month, this can be quadrupled to a savings of 40 cents per liter.

Capitec Shell V+ card Fees and Interest Rates

• ✅ Initiation fee: R100
• ✅ Monthly fee: R40

7.25% is where the interest rate will begin, based on your credit history.

Capitec Shell V+ card Conditions, Application, Limits, and Utilization Rates

You will require the following in order to apply for the Capitec Bank Global One Credit Card:

• ✅ A valid ID (must be 18 years of age or older);
• ✅ Most recent pay stub
• ✅ The minimum wage criterion for a credit card application is R5,000, and R10,000 for clients who are self-employed.

Your credit utilization rate, also known as your credit utilization ratio, is calculated by taking the amount of revolving credit that you are now using and dividing it by the total amount of revolving credit that you have available. In other words, it is the total amount of debt that you currently have divided by the maximum amount of credit that you are allowed to have.

Capitec Shell V+ card Customer Review

🥇 Happy Client!

I loved the service I got from Capitec when applying for my first credit card. – Adam

Capitec Shell V+ Card Pros and Cons

Nedbank Gold Credit Card

Nedbank has linked its Greenbacks incentives to BP fuel stations, where consumers can obtain a ‘guaranteed’ 50c cash back per liter by swiping a Greenbacks-linked card. This award has more than doubled since the beginning of the year.

It does not require any loyalty tiers or complicated qualifying circumstances, but it does necessitate the Card Swiper bundle.

Card Swiper is free for activated Greenbacks accounts on Optimum, Savvy Plus Gold, Savvy Bundle, and Nedbank Professional Banking accounts, however, it costs R24 per month for all other accounts.

Nedbank Gold Credit Card Fees and Interest Rates

• ✅ Monthly service fee: R40

Nedbank offers a personalized interest rate, while you get up to 55 days interest-free.

Nedbank Gold Credit Card Conditions, Application, Limits, and, Utilization Rates

To apply for a Nedbank Gold Credit Card, the following is required:

• ✅ You need to be over 18 years old.
• ✅ You need to live in South Africa and have a valid South African ID or a valid passport and work permit.
• ✅ You need to earn at least R5,000 a month before tax and have a healthy credit score.

The amount of revolving credit you’re utilizing divided by the entire amount of revolving credit you have available is your credit utilization rate, also known as your credit utilization ratio. In other terms, it is the sum of your current debt divided by your credit limit.

Nedbank Gold Credit Card Customer Review

🥇 Wonderful Service.

I have only received wonderful service – James

Nedbank Gold Credit Card Pros and Cons

FNB Premier Credit Card

Over the last year or so, FNB’s eBucks gas incentives have undergone substantial adjustments, effectively separating the rewards into two groups.

The former system of earning up to R4.00 per liter at Engen service stations remains in place for FNB Premier, Private, and Private Wealth account holders. This can be increased to R8.00 per liter if all other conditions are met, specifically having WesBank vehicle finance, having a car registered on its Nav app, and making all gasoline purchases at Engen for a quarter.

FNB Premier Credit Card Fees and Interest Rates

• ✅ Monthly account fee: R250

The interest rate is personalized on the FNB Premier credit card

FNB Premier Credit Card Conditions, Application, Limits, and, Utilization Rates

To apply for FNB’s Premier Credit Card you need to fulfil the following requirements and conditions:

• ✅ You need to earn between R350 000 and R849 999 per year
• ✅ Copy of your recent pay slip
• ✅ Three months’ bank statements
• ✅ South African ID book/card
• ✅ Proof of residence

The amount of revolving credit you’re utilizing divided by the entire amount of revolving credit you have available is your credit utilization rate, also known as your credit utilization ratio. In other terms, it is the sum of your current debt divided by your credit limit.

FNB Premier Credit Card Customer Review

🥇 Excellent Fuel Rewards.

The fuel rewards from FNB, along with eBucks, are the main reasons why I stick with this bank. – Khomotso

FNB Premier Credit Card Pros and Cons

Standard Bank Gold Credit Card

Standard Bank provides fuel incentives as part of its UCount rewards system.  Following the 2025 gas price increases, the bank additionally provided customers with a double-reward method.

Standard Bank Gold Credit Card Fees and Interest Rates

• ✅ Monthly card fee: R23
• ✅ All secondary cards: R25
• ✅ Cash withdrawal at ATM: R8 per R1 000 up to R3 000 thereafter R2.20 per R100

For the Standard Bank Gold Credit Card, the Interest rates are personalized ranging from a minimum of 11.75% (prime – 0.25%) to a maximum of 22.25% (Repo rate + 14%) as per the NCA regulation.

Standard Bank Gold Credit Card Conditions, Application, Limits, and, Utilization Rates

To apply for a Standard Bank Gold Credit Card you can take the following steps:

• ✅ Sign in to your Internet Banking profile to apply online
• ✅ On the top navigation menu, select Borrow and complete your information
• ✅ Follow the on-screen steps to find out which credit card you qualify for

The amount of revolving credit you’re utilizing divided by the entire amount of revolving credit you have available is your credit utilization rate, also known as your credit utilization ratio. In other terms, it is the sum of your current debt divided by your credit limit.

Standard Bank Gold Credit Card Customer Review

🥇 Great Stuff!

Standard Bank has really done a lot to help with the terrible gas prices thanks to their fuel incentives. – Jessica

Standard Bank Gold Credit Card Pros and Cons

ABSA Flexi Core Credit Card

Absa’s gasoline rewards are for customers who fill up at Sasol, where they can get up to 30% back on fuel purchases, depending on their rewards score and card.  Credit card users begin at 1.00% and can up to 30% if they maximize their reward level (800 points or more).

The benefits are also not limited to gasoline purchases but apply to all Sasol purchases, except bill payments, pre-paid airtime, electricity, and lotto purchases.

ABSA Flexi Core Credit Card Fees and Interest Rates

• ✅ Monthly administration fee: R40.00
• ✅ Digital fraud warranty: No Charge
• ✅ Rewards membership fee: No Charge
• ✅ Senior Rebate Banking minimum balance: R5 000

Interest rates will be determined by your credit profile. You can get up to 57 days interest-free on qualifying transactions.

ABSA Flexi Core Credit Card Conditions, Applications, Limits, and Utilization Rates

To apply for an ABSA Flexi Core Credit Card, you must fulfill the following requirements:

• ✅ Monthly income required: R2 000
• ✅ Age: 18 years or older
• ✅ Documentation required: Valid South African ID book or Smart card, proof of residence, and the latest proof of income for three consecutive months
• ✅ Subject to an affordability assessment

To apply, take the following steps:

• ✅ Click on the Apply Now button on the website
• ✅ On the Online Account Application page, enter the characters as displayed in the image
• ✅ Please complete the six-step assessment
• ✅ You may Save and continue later, or Continue at each stage of your assessment
• ✅ Click Apply when you have completed your assessment

The amount of revolving credit you’re utilizing divided by the entire amount of revolving credit you have available is your credit utilization rate, also known as your credit utilization ratio. In other terms, it is the sum of your current debt divided by your credit limit.

ABSA Flexi Core Credit Card Customer Review

🥇 A Lot on Offer.

You really get a lot out when you use this card at Sasol garages. – Sam

ABSA Flexi Core Credit Card Pros and Cons

Nedbank Private Wealth Card

Nedbank has linked its Greenbacks rewards to BP petrol stations, where customers can get a ‘guaranteed’ 50c cash back per liter by swiping a Greenbacks-linked card. Since the beginning of the year, the value of this prize has more than doubled.  There are no loyalty tiers or intricate qualifying circumstances required, however, the Card Swiper bundle is required.

Card Swiper is complimentary for activated Greenbacks accounts on Optimum, Savvy Plus Gold, Savvy Bundle, and Nedbank Professional Banking accounts, however, it costs R24 per month for all other accounts.

Nedbank Private Wealth Card Fees and Interest Rates

• ✅ Monthly fee: R500 per month

Your individual credit profile will determine the interest rate, with preferential rates available based on your status. The interest rate begins at 8.80% for individuals with a minimum monthly income of R500,000.

Nedbank Private Wealth Card Conditions, Application, Limits, and, Utilization Rates

You must be 18 years of age or older and make at least R1.5 million annually to be eligible to apply for a Nedbank Private Wealth Bundle Account. Here is the whole list of specifications:

• ✅ You must be at least 18 years old.
• ✅ Not accessible to trusts, businesses, or other legal entities
• ✅ All credit facilities are subject to credit and affordability checks.
• ✅ You must reside in South Africa, and have a valid South African ID or a valid passport and work permit.
• ✅ You must also have a personal annual income of more than R1.5 million and/or investable assets worth more than R5 million (excluding your primary residence).

Your credit utilization rate also called your credit utilization ratio, is the amount of revolving credit you’re using split by the total amount of revolving credit you have available. In other words, it is the total amount of your existing debt divided by the amount of money you can borrow.

Nedbank Private Wealth Card Customer Review

🥇 Great Rewards.

The Greenbacks rewards at BP stations have great cashback on fuel purchases. – John

Nedbank Private Wealth Card Pros and Cons

Discovery Bank Purple Wealth Suite

Discovery Bank’s reward program, Vitality Money, offers fuel rewards at select Shell and BP service stations. Aside from the claim of “up to 20% back on fuel purchases,” Discovery’s fuel incentive earning conditions are unclear and difficult to comprehend.

Discovery Bank Purple Wealth Suite Fees and Interest Rates

• ✅ Monthly account fee: R455
• ✅ Monthly Vitality Money premium: R75
• ✅ Total monthly account fee: R599
• ✅ Annual card fee: R3,250

Discovery Bank clients can benefit from personalized interest rates.  Discovery Bank is the only bank in South Africa that offers you Dynamic Interest Rates, allowing you to save more and pay less when you manage your money well:

• ✅ Get up to 3.75% on positive balances in your transaction and credit card accounts
• ✅ Get up to 4.5% on your Demand Savings Accounts
• ✅ Get up to 4.85% on 24-hour Notice Savings Accounts
• ✅ Pay up to 6.75% less on your borrowing rate.

Discovery Bank Purple Wealth Suite Conditions, Application, Limits, and, Utilization Rates

There are no given rules about how to apply for a Discovery Bank Purple Card, but the standard requirements for the Discovery Bank Purple Suite stay strict.  A person who wants to get a card must make at least R2.5 million, which is about R208,000 per month.

Your credit utilization rate also referred to as your credit utilization ratio, is calculated by dividing the total amount of revolving credit you have available by the amount of revolving credit you are now using. To put it another way, it is the total amount of your current debt divided by the amount of available credit you have.

Discovery Bank Purple Wealth Suite Customer Review

🥇 Excellent Benefits and Rewards.

I have benefitted richly from the rewards on this credit card. – Amos

Discovery Bank Purple Wealth Suite Pros and Cons

FNB Aspire Credit Card

FNB’s eBucks petrol incentives have undergone significant changes in the last year or so, basically splitting the rewards into two groups.

For FNB Premier, Private, and Private Wealth account users, the previous method of earning up to R4.00 per liter at Engen service stations remains in force. If all other conditions are met, such as having WesBank vehicle finance, having a car registered on its Nav app, and making all petrol purchases at Engen for a quarter, this can be upped to R8.00 per liter.

FNB Aspire Credit Card Fees and Interest Rates

• ✅ Monthly card fee: R45

FNB offers a personalized interest rate, while you get up to 30 days interest-free.

FNB Aspire Credit Card Conditions, Application, Limits, and, Utilization Rates

To apply for an FNB Aspire Credit card, the following is required:

• ✅ You need to earn between R84 000 – R449 999 per year
• ✅ Copy of your recent pay slip
• ✅ Three months’ bank statements
• ✅ South African ID book/card
• ✅ Proof of residence

The amount of revolving credit you’re utilizing divided by the entire amount of revolving credit you have available is your credit utilization rate, also known as your credit utilization ratio. In other terms, it is the sum of your current debt divided by your credit limit.

FNB Aspire Credit Card Customer Review

🥇 Top Rewards.

I really make the most of FNB’s eBucks rewards on petrol. – Mike

FNB Aspire Credit Card Pros and Cons

Absa Transact Credit Card

Customers who fill up at Sasol can get up to 30% back on gas purchases, depending on their rewards score and card.  Credit card users begin at 1.00% and can increase to 30% if their reward level is maximized (800 points or higher).

The benefits also do not apply only to petrol purchases, but to all Sasol purchases, with the exception of bill payments, pre-paid airtime, electricity, and lotto purchases.

Absa Transact Credit Card Fees and Interest Rate

• ✅ Monthly card fee: R12

Customers using this credit card can anticipate an interest rate of 20.50%, a credit interest cap of 0.20%, and 57 days of interest-free use.

Absa Transact Credit Card Conditions, Application, Limits, and, Utilization Rates

To apply for an ABSA Transact Credit Card, you must fulfill the following requirements:

• ✅ Monthly income required: R2 000
• ✅ Age: 18 years or older
• ✅ Documentation required: Valid South African ID book or Smart card, proof of residence, and the latest proof of income for three consecutive months
• ✅ Subject to an affordability assessment

To apply, take the following steps:

• ✅ Click on the Apply Now button on the website
• ✅ On the Online Account Application page, enter the characters as displayed in the image
• ✅ Please complete the six-step assessment
• ✅ You may Save and continue later, or Continue at each stage of your assessment
• ✅ Click Apply when you have completed your assessment

Credit utilization rate, also called credit utilization ratio, is the amount of revolving credit you are using as a percentage of the total amount of revolving credit you have available. Simply said, it’s the total amount of your outstanding debt expressed as a percentage of your available credit.

Absa Transact Credit Card Customer Review

🥇 Great Incentive.

I couldn’t believe the rewards I got on fuel purchases using this card. What a Great incentive. – Nicky

Absa Transact Credit Card Pros and Cons

Factors to consider when choosing credit cards for fuel

If you want to get the most out of your fuel credit card, consider these factors first:

• ✅ Annual fees reduce the overall value of your awards. There’s no incentive to pay an annual fee for a petrol card unless it comes with a bonus.
• ✅ Take note of whether your petrol incentives are limited. Some caps are quarterly, while others are annual. The average household spends over ZAR10 000 on petrol each quarter. Determine your expenditure and whether it is below the rewards cap of the card.
• ✅ The fact that a credit card offers triple points for gas does not imply that it has a 3% reward value. Many points are worth a dime each, but others are worth less. What can you do with your gas points once you’ve accumulated them?

Higher points for petrol station purchases apply to anything purchased at the service station, including items from related convenience stores and vehicle washes, with most cards. Some cards, however, indicate that their petrol rewards are exclusively valid for pay-at-the-pump purchases.

Pitfalls to avoid when using a credit card for fuel

There a certain mishaps you can avoid when using a credit card for fuel, which can impact how you can access your rewards:

• ✅ A late payment may not seem like the end of the world, but it can have serious consequences. Not only are late fees to be considered, but continuing to do so for an extended period of time may have a negative impact on your credit score.
• ✅ Because your credit card statement specifies a minimal repayment amount, that’s all you’ll pay. Ever. In actuality, paying the minimum will keep you from incurring late fees, but you will begin paying interest on any balance you still owe.
• ✅ Not only does maxing out a credit card indicate you’re likely spending at a rate you can’t afford to pay back, but it also puts you in danger of incurring overdraft fees.
• ✅ Not using your interest-free days. Some credit card users are unaware of how to take advantage of interest-free days, which can be a huge missed opportunity because they are one of the finest ways to save money when using your credit card.

Withdrawing cash from your credit card. Resist the impulse to withdraw cash from your credit card because the costs are breathtaking. On any cash advances made with your credit card, you will be charged a cash advance rate that is higher than the standard interest rate.

Why get a credit card for fuel

There are many benefits to getting a credit card for fuel:

• ✅ The primary advantage of gas credit cards is that they provide points or discounts on fuel expenditures. Some petrol credit cards are also standard credit cards issued by card networks like Visa, Mastercard, or American Express, which means you may use them to earn rewards on other transactions.
• ✅ While reward programs differ, petrol station credit cards typically provide up to 3% back on petrol station expenditures made with your card. It’s simple to understand how this could help you if you commute vast kilometers to and from work.
• ✅ Several credit cards that offer petrol rewards also offer a significant sign-up bonus if you fulfill a minimum spending criterion within a few months. These sign-up bonuses can significantly increase your rewards haul in the first year.

While some petrol station credit cards are “store credit cards” that can only be used at a single brand of petrol station across the country, others are regular credit cards that allow you to pay for purchases everywhere credit cards are accepted.

In Conclusion

 Now it is your turn to participate:

 Which Credit Card for Fuel from this list do you intend to test out?

 What was the determining factor in your decision to engage with a certain broker?

 Was it because of the Fees, Interest Rates, or, the Pros and Cons?

 Regardless, please share your thoughts in the comments below.

Frequently Asked Questions

How do gas credit cards work?

In addition to the numerous loyalty programs linked to their credit cards, many banking firms in South Africa provide fuel reward programs that offer a variety of advantages each time you refuel and can help you save a lot of money.

How many gas credit cards should one have?

This will depend on how frequently you travel by car. If you are a regular commuter getting more than one gas credit card could increase your rewards.

What are the benefits of a fuel credit card?

When you buy petrol, gas credit cards offer discounts, cash back, or other perks. Fuel credit cards are classified into two types: branded fuel station cards and general rewards cards. Branded petrol credit cards offer savings on a specific fuel brand, whilst generic rewards cards offer benefits on a broader range of expenditures.

What is the difference between a fuel card and a credit card?

In many ways, a fuel card is similar to a credit card. Both allow for the payment of fuel across several sites. However, when it comes to monitoring your fuel spend, fuel cards provide various advantages for your business, regardless of the size of your fleet.

Is it smart to use a credit card to buy fuel?

Not only does using credit provide a stronger sense of security against potential theft, but most credit card issuers also reward users for using their cards for petrol.

What happens if you overpay for fuel?

If you overpay for petrol with a credit card, you will only be charged for the purchase amount; the remaining prepaid amount will not be debited to your card. When you reach the prepaid amount or when the tank is full, the petrol pump will shut down.

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