Fuel Discounts With Credit Cards
Fuel is expensive, and in sparsely populated Finland, many people still have to buy it. It’s worth using every way available to cut fuel costs. The most effective tactics are driving less and refuelling at low‑priced stations. These aren’t always enough, so it’s smart to consider other ways to save as well.
Compare fuel prices on the tankille service.
A few fuel station chains in Finland offer fuel cards that provide discounts and other perks at their own stations. Some cards are limited to fuel and forecourt purchases, but a small number are standard credit cards with an added fuel benefit. This article introduces the fuel card options available in Finland.
S-Etukortti Visa
S-Etukortti Visa cards are debit or credit cards with no monthly fee for S Group members. Although there’s no monthly fee, the credit card has a 2-euro monthly billing fee. These are basic-level Visa cards you can use almost anywhere, including outside the S Group.
S-Etukortti Visa cards provide a 0.5 per cent payment method benefit at ABC stations, plus a 0–5 cent bonus per litre of fuel. The bonus is paid as cash into your S Account. The exact bonus depends on your co-op’s bonus table.
Because ABC stations are typically expensive places to refuel, S-Etukortti Visa cards don’t deliver significant savings. Only by reaching the highest bonus tier—earning 5 cents per litre—does the card offer a meaningful discount. That often requires concentrating other purchases with the S Group as well.
Curve
Curve is a British debit card that charges purchases in real time to another card you choose, such as an S-Bank Visa. In other words, Curve is a mobile wallet that lets you add multiple payment methods.
On Curve’s paid tiers, you can earn 1 per cent cashback on purchases at Shell stations. This applies to all purchases at the stations, including fuel. The cashback is paid in British pounds and can be automatically applied to future purchases made with the Curve card, even if those purchases are in euros.
Because you can pay with Curve anywhere Mastercard is accepted, and it offers many other benefits, Curve is a strong choice. It suits international consumers who travel and drive a lot. You also get cashback at Shell stations abroad.
Read Our Curve Review
SEO Consumer Benefit Card
SEO offers consumers its own benefit card. The card has no monthly fee and provides a station-specific discount on the fuel price.
The card must be scanned before payment at the cashier or the pump. The discount doesn’t apply when paying by credit card, so we recommend paying for fuel with a Curve card or cash.
Teboil Maksuaikakortti
The Teboil Maksuaikakortti is a payment method for Teboil stations. Purchases are billed monthly, and a 1.35-euro fee is added to the invoice. Of course, there’s no fee if there’s nothing to bill. The card typically gives an average of 14 days of interest-free payment time on purchases.
With the Teboil Maksuaikakortti, you get 2 cents off per litre of fuel and other perks at Teboil stations. However, the fuel discount is not available at Teboil Express stations.
Because the Teboil card only works at Teboil stations, we recommend paying for fuel with another Cashback Card. You can still get the Teboil discount with the fee-free Teboil Customer Card, which you can order online.
Teboil introduced a bonus program in early 2025, marketed as up to a 10-cent discount per litre of fuel. While that promise is partly true, the program isn’t as rewarding as it first seems.
In reality, you can only get up to 5 cents per litre in cashback on fuel. To receive that, a driver would need to spend more than 4,000 euros per month on fuel. A typical driver spends under 250 euros per month, in which case the cashback drops to just 0.5 cents per litre. As a percentage, the cashback approaches zero, so Russian-owned Teboil’s bonus program is actually worse than its competitors’.
Fuel Payment Apps
Fuel station chains are replacing card products with apps installed on your phone. In that case, the fuel purchase is paid in the app rather than at the station’s card reader.
St1 Way
With the St1 Way app, you can pay at Shell and St1 stations. You need to add a standard payment card to the app for charging. The St1 Way app is useful because it offers at least a 1-cent discount per litre, up to 5 cents during campaigns. With the St1 Way app, you also get the discount at Shell Express stations.
ABC Mobile
ABC Mobile is the S Group’s payment app for ABC stations. You must add a payment card to the app, but the app itself doesn’t provide extra discounts. You still receive the S Group payment method and its benefits and bonuses.
Neste
The Neste Fueling App is very easy to use and works well. You also need to add a debit or credit card to this app. Its drawback is that it provides cashback only occasionally during campaigns. Even then, Neste Express stations are usually excluded from the discount.
Which Fuel Card Is Best?
The number of fuel benefit cards in Finland has decreased, and the selection is unfortunately limited. There are only a few options, the discounts are small, and the cards also come with fees.
We recommend the following combination for fuel purchases:
With St1 cash discount cards, you get about 2 cents off per litre at Shell stations. Paying for fuel with the Curve card adds 1 percent cashback.
As an alternative, we recommend the Bank Norwegian Card or the Morrow Bank Card. Both earn rewards and have no fees. That way, the bonus applies to nearly all purchases, not just fuel.
ERROR: FAQ data invalid.