s WARNING: Do you really need a loan today?*

It can be expensive to borrow small amounts of money and borrowing may not solve your money problems.

Check your options before you borrow:

  • For information about other options for managing bills and debts, call 1800 007 007 from anywhere in Australia to talk to a free and independent financial counsellor.
  • Talk to your electricity, gas, phone or water provider to see if you can work out a payment plan.
  • If you are on government benefits, ask if you can receive an advance from Centrelink:

The Australian Government’s MoneySmart website shows you how small amount loans work and suggests other options that may help you.

*This statement is an Australian Government requirement under the National Consumer Credit Protection Act 2009

A recent report from the RACQ found that drivers in Brisbane suffer through some of the most expensive petrol prices in the country. Prices peaked in May of this year, with an average of 127.4 cents per litre, higher than prices in Sydney, Melbourne, Adelaide and Perth!

Although Canberra, Darwin and Hobart residents continue to top the list for highest fuel prices throughout the nation, this is of little comfort to Australians in general. While there are apps that can track cheap fuel offerings, Australians are known to be creatures of habit meaning they will always prefer to go to familiar petrol stations.

We all know that our daily commute to work can sometimes get a little tedious, it can also get very pricey. In case you’ve slept in and don’t have time to check where the cheapest petrol stations are, we have a way of saving you the time, stress and money. One great idea is to get yourself a credit card that carries rewards for savings on petrol, travel and, and life in general. That way, you’re at least getting something back every time you fill up your car. Here is a list of the best rewards credit cards;

Best Credit Card Petrol Rewards

  1. Shell Card

This fuel card is designed for business owners with more than one vehicle. If you apply before 31st December 2017 and quote MYSERVO, you can save 6 cents per litre at all Shell stations. In addition, customers can earn Flybuys points when you use your Shell Card at any Shell Coles Express site. The card costs $30 per annum, but the savings can be quite extensive.

  1. American Express Platinum Edge Credit Card

With every dollar that you spend at any major grocery store, including Coles and Woolies, customers can earn up to 3 points. Every dollar spent at a major petrol station earns you 2 points and for every dollar spent on other purchases, you earn 1 point. Although this card comes with an annual fee of $195, points can be redeemed with cash back, gift cards or travel rewards. They also have tie-ups with Velocity, Emirates, Etihad, Singapore Airlines and Cathay Pacific. This card also comes with complimentary travel insurance.

  1. David Jones American Express

With this card, it’s easy to rack up those points because for every $1 spent at major supermarkets & petrol stations, you can earn 3 rewards points. This card carries an annual fee of $99 however, in addition to the rewards point, customers who spend over $500 on electrical, homewares, furniture, and bedding items, get 4 years interest-free!

  1. Caltex Star Card

This card is great if you are running a small business as it is designed to help you get extra value from your fuel purchases and car costs. The annual fee of the Caltex Star Card is $34.50 but if you are running a small business and petrol prices are starting to give you quite a big headache, this card can save you up to 4 cents per litre for every car! You can also earn Qantas Points for petrol, servicing and administration so when it comes time to take that well-deserved holiday, you’ll be prepared for it.

Other Rewards Cards

  1. Woolworth’s Everyday Platinum Card
  2. Coles Rewards Mastercard
  3. Velocity Frequent Flyer points
  4. Motorcharge or Motorpass
  5. Fleetcard

save on fuel prices

One great way to save some money on fuel is to collect the vouchers given to customers who spend $5 or more at Woolworths and $30 or more at Coles. Woolworths offers 4 cents off per litre for all Caltex petrol stations that have both Caltex and Woolworths branding on their price boards, and Coles also offers 4 cents off per litre for all Shell Coles Express petrol stations. Coles also offers a further 10 cents per litre off your petrol if you spend $20 or more in a Coles Express. So, if you have a sweet tooth, or a habit for buying lotto tickets, you could potentially save 14 cents per litre once you pair your Coles Express and Coles Supermarket discounts together.

Take a look at these extra fuel-saving strategies:

  • Make fewer trips
  • Don’t drive in rush hour
  • Close your windows on the motorway to reduce ‘dragging’
  • Remove roof racks when they are not needed to lighten the wait of the car
  • Don’t carry unnecessary wait (unfortunately children are classed as necessary wait)
  • Accelerate smoothly
  • Don’t push the accelerator down too far
  • Turn the air-conditioning off when it’s not needed
  • Stick to the speed limit (this one is the law so really you should be doing this anyway)
  • Check your tyre pressures regularly (every fortnight or so)

For more information on how to save your fuel visit:

Obviously, a couple of these strategies are unavoidable, especially if you are a 9 to 5er and peak hour is really the only time you’re in the car. Also, if you are a parent doing school drop offs, or you’re the designated driver amongst your friends, then it may be difficult to reduce the number of trips you take throughout the week. Therefore, it is a great idea to invest in any of the rewards cards listed above. That way you still get the credit for being a free personal taxi driver, and you get something out of it for yourself as well. Reward yourself, you’ve earned it!