12 Best Individual Fuel Cards

*Review of the best according to the editorial board. About selection criteria. This material is subjective, it is not an advertisement and does not serve as a guide to purchase. It is necessary to consult with a specialist before purchase.

Fuel cards are for people and companies whose main activity is related to auto transportation. Their main task is uninterrupted access to filling station services to avoid downtime. The cards are available to both individuals and legal entities and offer a variety of convenience and features. These are contactless payments, fuel consumption control and favorable fuel prices.

Plastic cards are produced for different types of fuel: gas, gasoline, diesel fuel, as well as universal. They are offered both by producers of fuels and lubricants and by processing organizations. Both at first glance provide the same services, but their initial goals are not quite the same. Refiners have large stocks of petroleum products, and their priority is to sell as much product as possible and not only in bulk quantities, but also through their gas station networks and by distributing fuel cards.

Processing companies are not bound to one brand of POL and conclude contracts with many brands. Their main goal is to organize high-quality intermediary service. We have chosen 12 best offers on the fuel services market and made a list of the cards that are the most popular among consumers.

Ranking of the best fuel cards

Best fuel cards for legal entities

All-terrain vehicle

Rating: 5.0

The first place goes to “Rover” with a wide range of tariffs that take into account the needs of trucking companies. It is based on the traditional principle of the usual bank cards. Application provides not only reliable protection against unauthorized intrusions, but also provides a number of other benefits associated with accounting and control of expenses on fuel and lubricants.

Using the fuel card options, you can not only minimize your company’s expenses, but also see all vehicle movements in parallel with your current activities. This is done thanks to the mobile application, which displays all the relevant information in real time. You can not miss the fact that in addition to all the benefits of using the card, the company receives substantial discounts on any type of fuel.

All documentation related to expenditures on fuel and lubricants is available electronically and does not require a large staff of accounting assistants. VAT refund is another obvious plus of the card. In addition, deferred fuel payments ensure a smooth process of on-time delivery.

Advantages of

• Cooperation with more than 13000 petrol stations;
• convenient management of expenses;
• simplifies the work of the accounting department;
• electronic base of transactions.

Disadvantages

• not identified.

Shell Card

Rating: 4.9

The second place is given to the fuel card, which is used for refueling vehicles in Russia and Europe. It is accepted for service at 20,000 gas stations and can be used to pay for tolls and fines on all federal highways. Regardless of the size of the fleet, the company offers individual solutions to the holders, which will meet the objectives of the company. It leads to reduction of operational costs and increases production performance.

The cards are offered both for domestic and international shipments. A wide range of services is available throughout the network. Simple and fast management of the cards allows the head of the company to control in a timely manner to correct or eliminate disruptions in the work of the organization.

With Shell Card you can set up not only an electronic reporting system, but also control the security of expense management. Anticipating possible critical moments, the fuel card helps to ensure uninterrupted workflow by providing a 14-day interest-free credit. Washing, car services and all related services are provided to owners in full.

Advantages

• 24/7 support;
• Any service at gas stations;
• Convenient and quick management;
• automatic electronic reporting.

Disadvantages

• are not detected.

GAZPROM – Gas Station Network

Rating: 4.8

Third place goes to Gas Station Network cards. Their owners do not need to keep a non-decreasing balance on the account, as all transactions are displayed in real time. Total saving from using the card depending on the amount of fuel consumed – up to 30%. It is serviced at more than 13000 filling stations with online terminals throughout Russia and CIS countries.

Thanks to a wide range of functions, it is possible to track transactions in the Personal Web Office or receive SMS balance notifications. If the driver breaks the rules of driving it is possible to pay fines of the State Traffic Safety Inspectorate. Special terms and conditions for card holders provide a choice of suppliers, which greatly reduces fuel costs. Its use guarantees a VAT refund and a 3% reduction in the cost of fuel and lubricants.

You can apply for the card on the website or directly in one of the offices of the company. You need to fill out a simple form and wait for a call from a specialist. The company offers several pricing plans. Get advice beforehand to help you choose the best option.

Advantages

• free cards for enterprises;
• Real-time cost control;
• Without a fixed amount on the account;
• A large number of partner filling stations.

Disadvantages

• are not detected.

SINGLE FUEL CARD

Rating: 4.7

On the fourth position is a multifunctional fuel card that combines the possibilities for IE and LLC. It works in real time and helps to determine in which gas station network it is more profitable and convenient for business to fill up. The card combines the leading producers of Russia and CIS countries with a coverage area of more than 13000 gas stations. It includes such services as geolocation, analytical and accounting reports, SMS-notifications.

For individual entrepreneurs the fuel card will provide a timely VAT refund. It became possible due to the fact that the specialists of the company created a system that combines the bill of lading and the invoice into one transferable document. Card United” solves many problems not only for specialized automobile companies, but also for individual businesses with a small number of vehicles that are not the main type of commercial activity.

Up to 30% of organization’s funds are saved due to VAT refund and cost optimization. The easy-to-use free mobile application makes it easy to plan the route to the required petrol station.

Advantages

• The universal card for IE and LLC;
• Convenient mobile application;
• analytical and accounting reports;
• SMS-notifications on transactions.

Disadvantages

• have not been revealed.

TransKart

Rating: 4.6

The fifth place goes to a fuel card with a built-in microprocessor, which stores all the information about the transactions made. According to statistics provided to the company’s customers, savings are up to 27% on average. This significant reduction is achieved due to VAT refund, fuel expenses analytics and discounts for holders. A distinctive feature is that the cost is not tied to the amount of fuel consumed.

The network of gas stations, where you can refuel your car, covers the whole territory of Russia and many neighboring countries. The card considerably simplifies the accounts department work, as full accounts with reconciliation statements are provided. It is received electronically and is displayed in the personal office of the holder, so there is no need to visit the office.

SMS-notification is transmitted in real time about every transaction made. An extensive network of 10700 gas stations and a wide coverage zone will provide guaranteed access to high-quality fuel for motorists.

Advantages

• large number of filling stations;
• electronic document management;
• discounts not tied to expenses;
• additional services.

Disadvantages

• not identified.

Lukoil

Rating: 4.5

Rounding out the review of this category is the fuel card, which controls expenses and provides one-click reports. Use it to quickly get purchase analysis and VAT reimbursement data. The company has an extensive network of more than 2,700 filling stations in Russia. The plastic card has a high level of protection, which successfully resists unauthorized access to the holder’s funds.

Online management and integrated business solutions allow for quick and timely decision making, avoiding disruptions in operations. The cardholders get a free mobile application, a personal account, electronic document management and qualified 24/7 support. Having such an arsenal of opportunities makes it easier to control, manage, report and refund VAT.

By using an application for smartphones owners can get a virtual card “Paid for a Favor”, which has the same functions and is protected by a QR code. According to reviews, savings up to 40% can be made thanks to the card features. The entire document flow is carried out via an electronic signature operator accredited by the Federal Tax Service of Russia and may be submitted to the tax authorities.

Advantages of

• Electronic bookkeeping and accounting;
• Gas stations in all regions of the country;
• Quick management through personal cabinet;
• A convenient mobile virtual card.

Disadvantages

• have not been revealed.

The best fuel cards for individuals

Rosneft

Rating: 5.0

The first place is occupied by the fuel card, which takes into account the real needs of an average car owner. This is expressed in the accumulation of bonus points not only for the purchase of fuel and lubricants, but also for any purchase in the company’s retail network. Automatic connection to the loyalty program gives significant discounts on fuel. The plastic carrier is issued immediately upon payment. With a short waiting period it is possible to get a personalized fuel card.

The owner becomes a member of the “Family Team” program that allows spending the accumulated points not only on the purchases at “Rosneft” and “TNK”, but also using the services of Aeroflot at discounts. The company exchanges bonus points for miles, which provides considerable savings for owners of the company when flying.

The fuel card provides a cashback. For each 100 rubles spent in third-party stores, 1 ruble is refunded., and at Rosneft and TNK up to 5. For the first purchase of over 1000 rubles for up to 60 days, Rosselkhozbank gives 300 bonus points as a lump sum.

Advantages

• Instant use after issuance;
• Bonus points for any purchases;
• discount on Aeroflot flights;
• fuel price reduction.

Disadvantages

• not identified.

Express Card

Rating: 4.9

Second place goes to a multi-brand fuel card that operates not only in Russia, but also abroad. It minimizes the risks of vehicle owners to be left without fuel at the wrong moment. This is especially true for long distance travel, where it is not always possible to choose the right gas stations. The card has agreements with the majority of leading companies that have their own networks of gas stations both in our country and abroad.

Express Card has an impressive range of petrol stations (around 9500), covering a large number of neighbouring CIS countries. It operates in online mode and due to individual approach allows to save much money by getting quick analysis of fuel accounting. Geolocation will not only show all the filling stations nearby and show the way to the nearest one, but it will provide information about the prices for any types of fuels and lubricants.

Having precise price monitoring, the car owner has the opportunity to choose not only the route but also the best options for filling up his car. According to the contract it is possible to get a deferred payment for up to 30 days. For more information about the option, visit the company’s website, which also has all the information about other advantageous offers.

Advantages

• wide coverage of petrol station network;
• deferred payment for fuel;
• location determination;
• convenient operations management.

Disadvantages

• not found.

Neste

Rating: 4.8

The third place goes to a fuel card which offers a good discount system. It can be purchased both in the company’s office and at any gas station except Express. This card is topped up directly by the holder, and the minimum amount of down payment is 2000 rubles. The cost of the plastic carrier itself – only 150 p., that pay off quickly.

A fuel card allows to pay for petroleum products and get a discount of 50 kopecks. for each liter. The owner also gets privileges in other commercial establishments not related to cars, such as cafes or grocery stores. And the amount of discounts in some of them can be up to 10% of the amount spent.

If you get additional services at the gas station, such as car washing, the bonus may amount to 15%. Neste is a convenient debit card that informs its owner about the amount of the discount received. The company conducts frequent promotions, which are another pleasant bonus in addition to its other advantages. According to users, having a fuel card at hand is beneficial, as it really saves money.

Advantages

• comprehensible discount system;
• notification of bonus amounts;
• Coverage of all gas station networks except one;
• Privileges at various retail outlets.

Disadvantages

• not identified.

ESA

Rating: 4.7

Fourth place – the fuel card with great opportunities, guaranteed quality fuel and reliable financial protection. It provides a full range of services for car owners and is a full-fledged payment instrument. The integrated microchip registers all commercial and monetary operations.

The company provided the holders with a convenient mobile application, which is installed on the phone in a few clicks. Thanks to it, the owner has access to a personal office, geolocation and electronic document management. It is possible to apply for the card in the company’s office, but it is more convenient to do on the site by filling out a simple application form.

After registration you receive an email with your account number, which you have to refill. The fact of crediting the funds and is proof of acceptance of the offer. Then you can use the numerous functions of the card throughout Russia. Advantageous conditions of its application will not only save time but also help to improve the quality of life. According to numerous reviews, the card eliminates many problems and greatly reduces expenses.

Advantages

• understandable mobile application;
• Round-the-clock technical support;
• Protection against hacking and loss of funds;
• favorable prices for fuel.

Disadvantages

• are not detected.

Our way

Rating: 4.6

On the fifth line is the fuel card, which covers the whole range of services useful to ordinary car owners. Once the card is purchased they become full participants in the loyalty program with numerous promotions, bonuses, discounts and other privileges of Gazprom Neft filling stations network.

Beneficial offers become available for cardholders not only for buying fuel but also for paying for different services, offered at gas stations. It is possible to use accumulated bonuses in the company’s stores and cafes, as well as to issue the “Avtodrive Start” virtual card via the mobile application. After that, if you pay through it from 1000 rubles, you will get 100 bonuses in a one-time payment and 1% of the amount of purchases for the month.

“Us on the way” is a non-personalized bank card, with which it is convenient to pay in one touch, and you do not have to leave your personal information online. There is no fee for its issue, just as in the case of paying for goods or services. All these features are only available in the Russian Federation and are limited to 40,000 rubles per month.

Advantages

• free mobile application;
• issue of a virtual bank card;
• Regular crediting of bonuses for purchases;
• transfer of points to other program participants.

Disadvantages

• not identified.

TRASSA

Rating: 4.5

We conclude the review with a fuel card that is specifically designed for owners of private vehicles. With its help it is possible to refuel with discounts and at prices fixed at the moment of refueling. A plastic card with a built-in chip helps control the cash inflow/outflow of funds, displays the account balance with discounts or other promotions.

the balance is refilled only at the company’s gas stations, and after the crediting SMS-notification is sent about the successful operation. From now on the price for the fuel will not change for the card holder even if the fueling will be done after increase of the cost of fuel and lubricants. It is advantageous for those who plan their budget in advance or have information about the imminent price increase. The cost of the card itself is 299.99 rubles.

Get more information about discounts or promotions on the official website. There you can not only read the company’s news, but also see the current price list for fuel. The card has an unlimited validity and is accepted at over 5000 gas stations in Russia.

Advantages

• price fixing when you top up your balance;
• Display of balance on informational receipt;
• Constant monitoring of vehicle movement.

Disadvantages

• not found.