Fuel Rewards - Fuel Cards in Finland

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 available option to reduce 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 website.

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 Pay

Curve Pay 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. Note that Finland’s Shell stations were rebranded to St1 in November 2025 when the licensing agreement ended, so in practice this perk now mainly applies at Shell stations abroad.

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 get cashback at Shell stations abroad, but no longer in Finland, since the Shell brand is no longer used here.

Read Our Curve Pay 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.

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 all St1 stations, including former Shell stations, which were rebranded to St1 in November 2025. 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 unmanned automatic stations (formerly Shell Express).

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 will continue to 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 carry fees.

We recommend the following combination for fuel purchases:

With St1 cash discount cards, you get about 2 cents off per litre at St1 stations (including former Shell stations). Curve Pay’s 1 percent Shell cashback is now best used abroad, since Shell is no longer used as a station brand in Finland.

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.

Bottom Line

By paying for fuel smartly, you can trim your driving costs a bit. While the total discount is relatively small, it adds up over a year for someone who drives frequently. That’s why the benefits of the right payment cards shouldn’t be underestimated.

In our experience, the best discounts tend to be at St1 stations, including the former Shell stations that merged into the St1 network in November 2025. Curve’s Shell cashback is now best used abroad, since the Shell brand is no longer used in Finland. Explore the fuel card options and choose the one that best suits you.