How to maximise Avios with Fuel

When refuelling your vehicle, you can collect Avios points from the associated loyalty scheme of the garage and via the card you use for payment. To maximise the Avios from fuel, you need to factor both of these earning methods.

fuel pump

There are currently two loyalty schemes which allow you to earn Avios points from refuelling your vehicle: Tesco Clubcard and Shell Drivers Club. Tesco Clubcard allows you to transfer Clubcard points to Avios at a rate of 2.4 Avios per Clubcard point. Shell Drivers Club converts at a rate of 10 Avios for every 20 Shell Drivers Club points.

Since you can earn Tesco Clubcard points at both Tesco and Esso branded garages, there are three options for collecting Avios with fuel. These are:

  • Earning Tesco Clubcard points at Tesco branded garages.
  • Earning Tesco Clubcard points at Esso branded garages.
  • Earning Shell Drivers Club points at Shell garages.
Earning Tesco Clubcard points at Tesco branded garages.

The normal Tesco Clubcard earns 1.2 Avios per £1 spent on fuel (1 Clubcard point per £2 on fuel with each Clubcard point being equivalent to 2.4 Avios).

This rate can be improved to 2.4 Avios per £1 spent of fuel by using a Tesco bank debit or credit card instead of your normal Clubcard. Remember you are not obliged to pay with your Tesco debit or credit card; you will still earn the enhanced rate even when using a different payment card. You can pay on a different card by telling the cashier (they will have received a prompt on their till) or by selecting to use an alternative payment option when using “pay at pump”.

Earning Tesco Clubcard points at Esso branded garages.

There are two types of Esso garages, both of which have different earning potentials.

If it is an Esso forecourt with a Tesco branded shop, you collect 1 Clubcard point (2.4 Avios) for every £3 spent on fuel - 0.8 Avios per £1.

If it's a different Esso-branded station, you get 1 Clubcard point (2.4 Avios) for every 2 litres of fuel you purchase. If we assume the unleaded is £1.20 per litre, this works out as 1 Avios per £1. Diesel at £1.24 per litre would be 0.96 Avios per £1. For the most part the collection of Clubcard points is limited to the first 100 litres (ie. 50 Clubcard points or 120 Avios).

There is no bonus for using a Tesco Credit or Debit card as a Clubcard at Esso branded garages.

Earning Shell Drivers Club points at Shell garages.

There are two earning rates for Shell Drivers Club points. Shell V-power fuels (diesel and unleaded) and Shell Autogas LPG earn 2 points per litre as standard, whilst Shell regular fuels (diesel and unleaded) earn 1 point per litre.

Since Shell Drivers Club points convert to Avios at a rate of 10 Avios for every 20 Shell Drivers Club points, 20 litres of regular fuel would be required to earn 10 Avios points. Assuming unleaded costs £1.20 per litre. You would earn 0.41 Avios per £1. Diesel costing £1.24 per litre would earn 0.40 Avios per £1.

Since Shell V-power fuels typically cost £0.09-£0.12 more per litre. V-power unleaded would earn between 0.75-0.77 Avios per £1 with V-power diesel earning 0.73-0.75 Avios per £1.

It is worth noting that Shell does occasionally run increased point promotions.

We can therefore conclude that based on the loyalty scheme alone, Tesco branded garages utilising a Tesco debit or credit card as a Clubcard is the most efficient way of collecting Avios with Fuel.

Those who do not wish to sign-up to Tesco Bank or a Tesco Credit Card will still find the standard Clubcard at a Tesco branded garage the most efficient option available.

Payment cards

Since the Tesco clubcard used at a Tesco branded garage is the most efficient loyalty scheme, the payment card calculations shall assume this to be the place of purchase. At Tesco branded garages you would earn:

  • 2.4 Avios per £1 spent on a Tesco Premium MasterCard (1 Clubcard point per £1). Beware that this rate is drastically reduced at non-Tesco branded garages to 0.6 Avios per £1.
  • 2.4 Avios per £1 spent on a Tesco Bank debit card (1 Clubcard point per £1). Again this is only at Tesco branded garages.
  • 1.5 Avios per £1 spent on a British Airways Premium Plus American Express.
  • 1.25 Avios per £1 spent on Lloyds Avios Rewards American Express.
  • 1 Avios per £1 spent on other Amex cards (ie. Platinum, Gold, Starwood, British Airways, Rewards Credit Card).
  • 0.6 Avios per £1 spent on Tesco MasterCard (1 Clubcard point per £4). Again this rate is reduced at non-Tesco branded garages.


Purchasing your fuel from a Tesco branded garage with a Tesco Premium credit card would currently earn you 4.8 Avios per £1 regardless of the fuel you are purchasing.

If you would rather get your fuel from Shell then the BA Premium Plus American Express would help earn you 2.27 Avios per £1 for V-power unleaded (2.25 Avios per £1 for V-power diesel) or 1.91 Avios per £1 on regular unleaded (1.90 Avios per £1 for regular diesel).

Ross Slater

Ross Slater

Ross is Expert with Points' main contributor. Sharing his knowledge of various travel reward schemes, to help your travelling go further.

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