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CardSmart Fuel Card: fees, rebates and who it suits
Multi-brand fuel card from CardLink Systems Limited. Figures below were read from the issuer's own pages on 20 Oct 2026.
Fees and terms
| Issuer | CardLink Systems Limited |
|---|---|
| Country | New Zealand |
| Card type | Multi-brand |
| Network / acceptance | 1,400+ multi-branded fuel sites; 9 fuel brands |
| Card fee | $1.99* per card per month (CardSmart Flex for sole traders: $0*) |
| Account fee | Not published |
| Setup fee | Not published |
| Transaction / network fees | $0.00*; a small percentage of accepting sites add a card surcharge |
| Late payment fee | Not published |
| Discount / rebate | Up to 12c off petrol and 15c off diesel per litre (Flex: up to 12c) |
| Credit requirements | Up to 51 days interest-free credit (NZBN businesses); Flex is pay as you go |
| Fleet size fit | 1 vehicle, 2–10, 11–50, 51+ vehicles |
Accepted at
“Save time and money with acceptance at over 90% of all fuel sites across New Zealand.”
Source: www.cardsmart.co.nz/ · checked 20 Oct 2026
| Accepted at | 1,400+ fuel sites; 9 brands: Mobil, bp, Z Energy, Caltex, G.A.S., Challenge, NPD, Waitomo, Gull (comparison page) |
|---|---|
| Discounted at | Preferred stations: Mobil, BP, Z Energy, G.A.S. and Caltex (FAQ) |
| Find sites | Issuer station locator ↗ |
CardSmart Flex (sole traders) is advertised at 'over 95% of fuel sites' on the same site. Some accepting sites add a surcharge.
Site counts are the issuer's own claim, quoted word for word. We don't map or verify individual sites; check the issuer's locator before you rely on a station.
Key features
- Fuel & Oil, All Automobile or All Services card types
- 250+ non-fuel partners (servicing, tyres, glass)
- '*' on CardLink's comparison page: T&Cs apply
- Preferred stations: 'Any Mobil, BP, Z Energy, G.A.S or Caltex fuel stations'
Sources
Checked 20 Oct 2026. We re-check these pages weekly and log changes on the recent changes page.
Compare with other cards
All New Zealand fuel cards · Cheapest fuel cards in New Zealand, by published fees · Fuel cards for sole traders and one-vehicle businesses