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Petrol cards, which give the best discount?

May 7, 2021

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Published August 15, 2019 – Updated January 3, 2021

With a petrol card, among other things, cheaper fuel and various offers such as cheaper car wash, coffee and more.

Petrol cards are simply a credit card, most major gasoline chains in Sweden issue their own petrol cards.

It may be a good idea to look at regular credit cards that also have fuel discounts, there are a few. This is because gasoline / credit card gasoline chains do not offer discounts and offers from competing gas stations.

Best Petrol Card

Choosing a petrol card – or other credit card?

What benefits does the gasoline card have?

Which card suits you?

Best Petrol Card 2021

Here they are presented most common gasoline cards but also several credit card with fuel discount or bonus system. We have listed the cards primarily on how many stations you get a discount on with respective petrol / credit cards.

Complete Bank

✔ 0.5% bonus which then gives about 7.5 öre / liter in fuel discount

✔️ Applies to all stations, regardless of chain, manned or unmanned

✔ 0.5% bonus on everything you shop, everywhere

✔️ Extra: 4% bonus at the electronics company Komplett.se

Annual fee: SEK 0

Fees: SEK 0 with invoice via E-mail

Interest-free days: up to 50

Interest: 21.40% (purchasing of goods) 24.90% (cash withdrawals)

Credit limit: SEK 50,000

️ Apply here! ∙️

For some years now, Komplett Bank has a credit card that also competes with the petrol companies’ petrol cards.

0.5% bonus, about 7.5 öre per liter , on all petrol stations, even on unmanned In addition to the bonus of gasoline and diesel, you also have 0.5% on everything else you shop and 4% at the data / electronics company Komplett.se.

No annual fee, state E-mail address and get the bill via E-mail so you do not have to pay the fee, no fees for cash withdrawals in ATM.

All in all, Komplett Bank’s credit card is a really good credit card, not a huge discount on fuel but the card is valid on all stations, even unmanned, which is a big plus.

You get the same discount / bonus on everyone on all everyday purchases with the same card and extra bonus (4%) at the computer company Komplett.se

️ Order gasoline / credit card from Komplett Bank here! ∙️

Complete Bank

If you are looking for a petrol card for cheaper gasoline and diesel then a credit card from Komplett Bank with a general bonus everywhere may fit. The obvious advantage is that you get a discount on all gas stations, petrol cards issued by the various gasoline chains only give a discount at the stations of your own chain.

The card also gives the same discount even at unmanned stations, several of the gasoline cards give no discount at all at unmanned stations.

Above all, it is suitable for those who want to be flexible about where to refuel, having to drive several kilometers or even miles to find the “right drive” is hardly economical …

This card is also completely free.

Other bonus

Pay with the card and get 4% in bonus points if you buy on Komplett.se, 0.5% online and in physical stores. At most, 500 points can be earned per month and 2000 points are collected per year.

The points are then used to buy products from Komplett.se OR the bonus can be used as payment of the card invoice – A very convenient way to get the bonus paid out!

More about Complete Bank credit card:

Annual fee: SEK 0
Card type: MasterCard
Fees: SEK 0 with invoice via E-mail
Paper invoice fee: SEK 35
Interest-free days: up to 50
Interest: 21.40% (purchasing of goods) 24.90% (cash withdrawals)
Effective interest rate: 23.63% *
Credit limit: SEK 50,000
Contact withdrawal fee (Bankomat) – Sweden: SEK 0
Contact withdrawal fee (Bankomat / ATM) – International: SEK 0
Currency exchange fee: 1.75%
Contactless payment / Blippa: Yes
Choose your own PIN code: Yes, done when ordering the card
Insurance: Travel insurance. Buying protection. ID protection insurance
Savings rate: No
Minimum requirements: No information on minimum requirements

* Effective interest rate 23.63%, 10,000 island / 12 m. Tot: 11 198 (applies to goods purchases)

Max bonus:

If you buy a new computer or TV at the online electronics company Complete, the maximum limit (per month) of 500 points is reached fairly quickly: Computer for SEK 12,500 x 4% = 500 bonus points which is equal in kronor.

Then you still learn that month of course shopping, refueling the car and shopping online.

The maximum limit for one year (current, ie the last 12 months back) is 2000 bonus points and the card is used for all everyday purchases for a multi-child family so the bonus ceiling can be reached without major problems – It may be a good idea to get another credit card with bonus.

Extra

Support for digital wallets (Wallet). Pay with Complete Bank’s credit card via smartphone, tablet or PC. Both via Apple and Google Pay.

Ability to postpone the payment of your purchases interest-free for 3, 6 or 9 months.
️ Order gasoline / credit card from Komplett Bank here! ∙️Show more infoShow less

Bank Norwegian

✔ 0.5% bonus which then gives about 7.5 öre / liter in fuel discount

✔️ Applies to all stations, regardless of chain, manned or unmanned

✔ 0.5% bonus on everything you shop, everywhere

✔ In no withdrawal fees in ATM

✔ In interest-free days also on cash withdrawals

Annual fee: SEK 0

Fees: SEK 0 with E-invoice

Interest-free days: up to 45

Interest: 19.99%

Credit limit: SEK 100,000

️ Apply here! ∙️Bank Norwegian and their VISA credit cards also function as a petrol card with a discount on fuel.

The fuel bonus is 0.5% which gives about 7.5 öre per liter, lower than several other petrol cards. But with the Norwegian card you have bonuses everywhere, at all gas stations regardless of chain, so refuel wherever you want, even at unmanned stations, shop, shop for food and you will receive bonuses (no bonus for financial services / games).

No fees for cash withdrawals in ATM – even interest-free days even in cash withdrawals, extremely unusual!

Then you get a 4% or 10% bonus when flying with Norwegian Air. The downside then? It is only through Norwegian Air that you can get the bonus, or you see it as a clear advantage because you save for cheaper (or even free) flights every time you shop for food or refuel the car.

Does it really work that way, well, I (StigH) have been refueling with the Norwegian card alone for a number of years now, even though my Cirkle K card gives more discount on gasoline (haven’t even used that card, Statoil was on the card the last time I used it).

Bank Norwegian is also the best travel credit card! So refuel, shop and shop while saving for the flight – Absolutely perfect!

️ Order gasoline / credit card from Bank Norwegian here! ∙️

Bank Norwegian

Bank Norwegian is a popular travel credit card that many sign for the holiday abroad. This is based on the fact that the card has no annual fee or withdrawal fee.

Also, it gives extra bonus points if you fly with Norwegian. A credit card that gives 0.5% on all purchases up to SEK 100 00 per year, however, no upper limit exists for purchases from gasoline chains and food chains.

Other bonus

Provides 0.5% on all purchases. The maximum bonus-based purchase per year is SEK 100,000. A big advantage is that there is no upper limit for purchases in grocery stores and gasoline chains, nor are purchases made in foreign currency – Bank Norwegian’s card is the best travel credit card you can find in Sweden nowadays.

When you order airline tickets at Norwegian Air, the card gives 4-10% bonus. No bonus is given when purchasing from airlines other than Norwegian Air.

The earned bonus can then be used through the airline Norwegian Air

More about the Bank Norwegian card:

Annual fee: SEK 0
Type of card: VISA
Fees: SEK 0 with E-invoice
Paper invoice fee: SEK 45
Interest-free days: up to 45
Interest: 19.99%
Effective interest rate: 21.93% *
Credit limit: SEK 100,000
Contact withdrawal fee (Bankomat) – Sweden: SEK 0
Contact withdrawal fee (Bankomat / ATM) – International: SEK 0
Currency exchange fee: 1.75%
Contactless payment / Blippa: Yes
Choose your own PIN code: Yes
Insurance: Travel insurance (the trip must be less than 60 days). Cancellation Protection.
Savings rate: No
Minimum requirements: At least 23 years. No payment remarks. Census in Sweden for at least 36 months.

* Effective interest rate 21.93%, 15000 island / 12 m. Tot: 16,673

Extra
A very unusual and clear advantage is that cash withdrawals are interest-free (until the invoice expires, of course). On most credit cards and petrol cards, the interest rate starts ticking directly at a cash withdrawal, but at Bank Norwegian you get the same interest-free days as for a card purchase – Extremely unusual and extremely good!

Insurance, in addition to Travel Insurance and Cancellation Protection, the Norwegian card has a really unusual and pleasant insurance: Grocery Insurance, an insurance that provides a monthly consumption of “daily goods”.

By groceries is meant everything from food, drinks, diapers and toilet paper, that is, what you shop at Ica, Konsum, Mathem.se or similar business, the insurance is included free of charge in the Bank Norwegian card.

The insurance applies if you become unemployed or on sick leave (from December 1, 2020 onwards) and you can receive a maximum of SEK 10,000 in compensation. Learn more about Grocery insurance here.
️ Order gasoline / credit card from Bank Norwegian here! ∙️Show more infoShow less

OKQ8

✔ 20 öre / liter discount on manned stations

Discounts, offers, refunds

✔ 2 payment-free months per year

Annual fee: SEK 0

Fee: SEK 25 for partial payment

Fees: SEK 0 with E-invoice

Interest-free days: up to 45

Interest: 14.95%

Credit limit: SEK 100,000

️ Apply here! ∙️

Petrol card from OKQ8, with a full 650 stations spread across the country, OKQ8’s petrol card is a good choice for many.

20 öre per liter in fuel discount at manned stations, reimbursement of 0.3% or 0.6% on everything else you shop outside OKQ8 (except for competing gas stations and games with money).

Then add that OKQ8’s cards do not have any annual fees at all, no fee when paying with E-invoice, and that you even get plus interest (0.75%) if you deposit extra money on the card.

Disadvantages:

Although OKQ8 has the most sandwiches, there are an additional 2,000 more people in Sweden, so always consider whether a credit card with a general bonus like Komplett Bank’s credit card fits better (despite a lower discount on just gasoline).

The card has high fees for cash withdrawals (use another card for cash withdrawals) and that they have an extra charge for partial payment (SEK 25).

Overall, OKQ8 has produced a very good petrol card, a free card with a good discount on gasoline and diesel!

️ Order a petrol card from OKQ8 here! ∙️

OKQ8

OKQ8 is the chain that exists in most places in Sweden. With about 650 sandwiches, they “class out” the two Circle K which only has about 350.

It is one of the strengths as you can easily find a drive and get the discount that the credit card provides.

A free credit card that gives savings interest, refund when purchasing OKQ8 and bonus on purchases from other stores.

Other bonus

Provides 0.3% on purchases made with the card outside OKQ8.

Double that bonus: Use the bonus check as payment at OKQ8 (instead of withdrawing cash) and the value will be 0.6%.

Bonuses are not given at other gas companies, games (about money), cash withdrawals and purchases of financial services.

More about OKQ8 petrol card:

Annual fee: SEK 0
Type of card: VISA
Fee: SEK 25 for partial payment of invoice
Fees: SEK 0 with E-invoice
Paper invoice fee: SEK 25
Interest-free days: up to 45
Interest: 14.95%
Effective interest rate: 16.91% * / with e-invoice 15.57% *
Credit limit: SEK 100,000
Contact withdrawal fee (Bankomat) – Sweden: 3%, minimum SEK 35
Contact withdrawal fee (Bankomat / ATM) – International: 3%, minimum SEK 35
Currency exchange fee: 2%
Contactless payment / Blippa: No
Choose your own PIN code: No
Insurance: Travel insurance
Savings interest rate: 0.75% of up to SEK 150,000 in invested capital
Minimum requirements: Applicants must be of legal age. Swedish social security number. Folkbooked in Sweden.

* Effective interest rate on utilized credit SEK 30,000

Extra

You automatically become a member of OK (if you are not already), it provides a host of additional benefits such as the ability to take out favorable insurance, electricity contracts and buy villa oil, as well as the opportunity to receive annual reimbursement as an OK member.
️ Order a petrol card from OKQ8 here! ∙️Show more infoShow less

Cirkle K

✔ 15 öre / liter discount on manned stations, no discount on automatic stations

The discount is increased to 20 öre / liter at 800 liters / year and 25 öre / liter at 1300 liters / year, reconciliation every 6 months

✔️ Tanka error insurance (max SEK 5000)

Annual fee: SEK 0

Fees: SEK 0 with E-invoice

Interest-free days: up to 60

Interest: 15.00%

Credit limit: max 20% of annual income

️ Apply here! ∙️

Circle K updated the terms and discounts on their petrol card in December 2020, to the better for most. You can say that the card went from “Njaa” to “Ok” but if you look for the last krona to save / earn then there are better alternatives. However, refueling-error insurance is a clear advantage!

Other bonus: 1% bonus when purchasing at Circkle K sandwiches and 0.5% on purchases outside the chain (but not for competing gasoline chains or for financial services).

Insurance: Travel Insurance. Tank error insurance (max SEK 5000).

Savings rate: No (From August 1, 2020, the card gives no interest on invested capital).

Expensive cash withdrawals: 3%, at least SEK 35, currency exchange fee 2%

The clearest advantage: The clearest advantage is actually not the card itself, it became an “ok card” with the updates made in December 2020. Instead, the best advantage is that the petrol card is automatically connected to the bonus club Circkle K EXTRA and thus you get all the benefits and discounts.

AND the best thing about Circkle K EXTRA is that you can link any credit card or bank card to the bonus club and get access to all the benefits (we don’t know it is possible to connect competing petrol cards, we expect that not goes).

️ Order a petrol card from Cirkle K here! ∙️

Preem

✔ 25 öre / liter discount on manned stations

✔ 10 öre / liter discount on automatic stations

✔️ Tanka error insurance (max SEK 3000)

Annual fee: SEK 0

Fee: SEK 19 for partial payment

Fees: SEK 0 with E-invoice

Interest-free days: up to 56

Interest: 16.85%

Credit limit: SEK 60,000

️ Apply here! ∙️

Preem gives a high discount to you as tanks at manned stations (25 öre) and also discount at automatic stations (10 öre).

Other bonus: The card also gives 0.5% bonus when used in other stores. However, never bonus on purchases at competing gas stations – nor at Preem stations, where special offers are given instead of bonuses … feels a little strange that there is no bonus at the own station …

Here is another limitation. You can receive a maximum bonus equal to 0.5% of the credit level on the card. If you have a credit level of SEK 10,000, this means a maximum of SEK 50 in bonuses per month.

Insurance: Travel Insurance. Tank error insurance (max SEK 3000).

Savings rate: 1.60% of up to SEK 15,000 in invested capital.

Expensive cash withdrawals: 2.00%, at least SEK 35, currency exchange fee 2.50%

The clearest advantage: The clearest benefit is a 25-year discount on manned stations and the Tanka-Fel Insurance – however, the compensation (SEK 3000) is in the smallest team, it may well cost significantly more to clean the tank and fuel system.

If you prefer to think of a manned Preem station, this may be the market’s biggest petrol discount, overall there are a few “but and if”, there are better cards.
️ Order a petrol card from Preem here! ∙️

Shell

✔ 15 öre / liter discount on manned stations, no discount on automatic stations

✔ 0.5% bonus on all purchases, not at competing gasoline chains

✔️ Tank-er insurance (maximum compensation is not stated)

✔️ Self-protection in car salvage

Annual fee: SEK 0

Fee: SEK 15 for partial payment

Fees: SEK 0 with E-invoice

Interest-free days: up to 54

Interest: 17.60%

Credit limit: SEK 100,000

️ Apply here! ∙️

Shell’s petrol card gives a high savings rate, has Tanka-Fel insurance and gives 15 öre / liter in discount. Like other petrol cards, the card is free. The discount, on the other hand, is lower than can be obtained with classic credit cards. If you want to get cheaper buns, a free coffee and a high savings rate, the card is right.

Other bonus: Get 0.5% on all purchases, not at competing gasoline chains.

Insurance: Travel Insurance. Tank-Wrong-Insurance. Self-risk protection for car salvage and assistance.

Savings rate: 2% of up to SEK 15,000 in invested capital.

Expensive cash withdrawals: 3.00%, at least SEK 35, currency exchange fee 1.50%

The clearest advantage: The clearest advantage is the savings rate of 2%. Admittedly, gasoline is also given a discount, but it is lower than with several other petrol cards. One advantage, of course, is that you also get time-limited offers, can get cheaper coffee and similar products.
️ Order a petrol card from Shell here! ∙️Show other petrol cardsShow fewer gasoline cardsUp ⁇

Choosing a petrol card – or other credit card?

The most common reason for a petrol card is because you want to get the discount given on fuel. An easy way to reduce their costs for gasoline and diesel. If you commute to work, the fuel item is probably one of the largest in the monthly budget. But also look at the alternatives.

Only a few “regular” credit cards have discounts on fuel, we at Spargrisarna have written an article that addresses some of the best credit cards on the market. However, there are many specialized cards and if you want to compare several credit cards we refer to the Credit Card Guide which also made a number of reviews of the cards.

“Used credit card only when purchasing gasoline and diesel from a specific chain? Choose a petrol card from them ”

I only use the credit card at the gas station

You find it convenient to collect the monthly gasoline costs on an invoice to pay it in arrears. You also shop almost exclusively from one and the same gas station.

In this case, you should choose a petrol card from this particular chain If you have a Cirkle K station nearby and almost exclusively shop there, their cards will provide the best bonus, discounts and benefits.

I think of several different gasoline chains

Sometimes you think of Preem, sometimes OKQ8 and on the holiday there can be different sandwiches each refueling. For example, if you choose a petrol card from Preem, you will only get cheaper gasoline from them. Other purchases of fuel do not give bonus, discount or activate the Tanka fault insurance (required to refuel).

In this case, you should choose a credit card with bonuses on gasoline, diesel and everything else you shop for You simply will not take advantage of the benefits enough to make it advantageous to have a classic petrol card. Instead, choose Komplett Bank’s card, which always gives 0.5% at ALL gas stations.

Connect the card! You can easily “connect” the credit card to ex Cirkle K’s bonus club EXTRA and get their 15-25 öre / liter in discount PLUS Complete’s bonus! It is also excellent to connect the card to, for example, ICA’s and Willy’s member clubs!

“Using the credit card in everyday life gives more benefits and discounts with classic credit card”

I use the credit card for both fuel and everyday purchases

Petrol cards usually give 0.3% -0.5% bonus on all purchases made outside their own chain. If everyday purchases outweigh the discount on gasoline, as it does for many, then you should definitely choose cards that give a general bonus.

Choose a credit card with general general bonus:

Kompett Bank’s card gives 0.5% on all purchases (including fuel) and as well as a full 4% on computers and electronics gadgets at Komplett.se, the bonus can be offset against upcoming invoices or used when purchasing at Komplett.se

Bank Norwegian’s card gives 0.5% in bonus points (including fuel) used to pay airline tickets at Norwegian Air, the card also gives 4 – 10% bonus on air tickets.

Up ⁇

What benefits does the gasoline card have?

The following benefits are found on most petrol cards. Many of these benefits are also found in other credit cards.

Travel insurance – Available on all credit cards

Almost all Swedish credit cards have travel insurance included (only a few exceptions). It is a supplementary insurance that provides protection in addition to the travel insurance included in the home insurance.

Above all, care should be taken to have cancellation protection on the credit card chosen as this would otherwise need to be signed with the travel agent. Travel insurance can, among other things, provide compensation for delayed connecting flights, delayed luggage or if the trip needs to be shortened due to illness.

Is it important to you?

Yes – If you are traveling abroad, it is strongly recommended that the trip is purchased with a credit card, which means that the travel insurance will automatically start to apply. However, it is included in all credit cards.

No – You do not need to choose a petrol card based on its travel insurance. Choose shortly after its benefits and discounts in everyday life. Prior to the holiday trip, for example, Bank Norwegian’s card can be signed, which is a clear travel credit card.

Discounts and Offers

Most credit cards come with discounts. With petrol cards from fuel chains, for example, a discount can be given on car wash, sweets, coffee and car parts. Here, the focus is on giving a discount in your own store. This generally applies to petrol cards issued in collaboration with a retail chain.

Also keep in mind that even public credit cards can have discounts or bonuses that are right for you, such as electronics gadgets from Complete or air travel via Norwegian. By looking at which discounts are given, large sums can be saved.

Is it important to you?

Yes – If you often shop for goods and services at a specific gas station, the discounts can provide clear benefits. Then choose the petrol card from the station you think about most often / always.

No – If you think / shop at different fuel chains and rarely look for time-limited offers, this is not an important point. Instead, choose a credit card with a generally high bonus that is given on all purchases.

Often, the discounts provide the greatest financial benefit of credit cards. This is provided that no compensation from insurance is given.

Tank-er-Insurance

If you refuel the wrong fuel, you will soon be standing with the car. In this case, the tank needs to be emptied and cleaned which can cost relatively much. With this insurance, part or all of the cost of this cleaning is paid.

However, there is often a limit to how much compensation can be received. For example, Preem has this level of SEK 3000, it is not at all certain that sum covers the entire cost. The insurance is activated by refueling a certain amount of fuel (see details for each card, eg at least 20 liters or 30 liters) with the card AND the refueling must be done at one of the stations that the gasoline chain has.

Is it important to you?

Yes – If you think there is a great risk of a mistake, you should choose a petrol card that has this insurance

No – The insurance only provides compensation for a mistake and we do not feel that this insurance is needed, there are better and more important benefits with other cards.

High savings rate – But with restrictions

Several of the classic gasoline cards have savings rates. If the debt on the credit card invoice is 10,000 and you deposit SEK 15,000, you will have a plus balance of SEK 5000. It is this sum that thus creates interest income.

When you then use the card, the plus balance will first decrease and the credit will be utilized. Thus, having a larger sum on the card always gives interest – and no credit is ever used.

However, the petrol cards with the highest interest rates have restrictions. The limit is generally that a maximum of SEK 15,000 gives interest.

Is it important to you?

Yes – If you use the credit card as a savings account and you maximize the account (SEK 15,000). OKQ8 gives savings interest of up to SEK 150,000, but there is only 0.75% interest on them (against 1.32 – 2.00% on Preem and Shell).

No – Not if you use the credit card for current purchases.

Up ⁇

Which card suits you?

I want cheaper gasoline

If you only think of manned stations at Cirkle K or Preem? Then choose their petrol card.

Do you refuel at various gasoline chains or often at unmanned stations? Then choose Complete Bank.

I want a free petrol card / credit card

All petrol cards / credit cards in the list are completely free of charge, the fee will be added if you do not choose to pay with E-invoice (which you will of course use).

However, some of the gasoline cards have the less neat fee called “partial payment fee”, ie you do not pay the entire invoice, in addition to the interest rate, an extra charge. OKQ8, Preem, and Shell have this fee.

I want a bonus / discount on everything I shop for

Then select the credit card from Complete. With 0.5% bonus on all gas stations and stores, both physical and online, it is definitely the simplest and smoothest card. In addition, the card is free of charge.

I want tank-wrong insurance

Choose petrol cards from Preem, Circle K or Shell. NOTE – check the highest level of compensation. Sometimes there are only a few thousand in compensation.

OKQ80Kr / year