Earn a Caltex discount of up to 10% in points & benefits when buying fuel
Caltex is a bit of an outlier in the loyalty program area. Buying petrol at their stations allows you to earn rewards and benefits in five different ways. Through a little bit of craftiness, you can increase the loyalty rewards you earn when buying petrol and get a discount if you shop at Woolworths beforehand. But there are some extra tricks to squeeze more points out of the system.

Most people will know about the Woolworths Rewards-Caltex discount and points earning option. If you need a run-down of the program and how Caltex performs against the rival petrol programs, head to The best petrol loyalty programs. In summary if you spend $30 at Woolworths, you will get a 4 cents per litre discount on fuel, plus you will earn one Woolworths Rewards point per dollar spent (this equates to 0.435 Qantas points per dollar on petrol). That's two dips, but the third one is not something you would ever consider.

Myer One
In one of the oddest loyalty partnerships, at many Caltex stations, you can also earn Myer One points at the rate of 1 point per dollar spent. And yes you can use both the Woolworths Rewards card and the Myer One card. At 2,000 Myer One points, you get a $20 Myer gift card. Apart from redeeming the gift card, you don't even have to shop at Myer to get a Myer One card (it's free).

Discount of 5% more off the final price
Few people are aware of this one. This involves using Cashrewards to buy a Woolworth eGift voucher with a 5% discount that can be used at any member of the Woolworths group. This includes Woolworths, Caltex-Woolworths petrol stations, Big W and the list goes on. The Cashrewards site will offer a 5% discount for eGift card purchases made at Woolworths. Simply log into Cashrewards, or sign-up here with a free $5 credit new window, and search for Woolworths. Cashrewards is a site where they earn commission on sales directed through their site. The advantage for using them is they share some of that commission back with you.

The process is fairly simple. Start at Cashrewards and click on Woolworths, then 'Shop now'. Choose the 'eGift Card' option on the Woolworths site, which despite its name, you can buy for yourself. Pick a denomination from $5 to $500 and use a points earning credit card to pay for it. Within a few hours, you should receive your eGift card in your email inbox. You now have a 5% discount on Caltex fuel that can be combined with the 4 Cents a litre discount from shopping at Woolworths. You can see a list of Caltex stations accepting eGift card here new window. One thing to note: you can't use both Myer One and eGift cards as the stations that take one, will not take the other. You can, however, use eGift cards together with your Woolworths Rewards card.

Caltex Woolworths
Save 5% by purchasing a Woolworths eGift card via Cashrewards.

Lastly, as note above, you can dip by using a points-earning credit card to buy the eGift card. If you don't want to use the eGift card option, using the credit card at the petrol station cashier can still earn points. As an added bonus, two credit cards will earn double or more points when you use them to buy petrol. These are the American Express Platinum Edge card (double points) and the American Express David Jones card (2.25 Qantas points per dollar). The only downside is that often AmEx cards are frequently subjected to a credit card surcharge.

Benefits per $100 spent on petrol
Assuming you spend $30 at Woolworths to get the 4 cent discount voucher and buy at an average $1.30 per litre advertised price (pre-discount), that you have a credit card that earns 1 point per $1 spent and that frequent flyer points are valued at 1 cent each, you get the following.

$3.08 saving, using the four cents off per litre voucher
$4.85 using eGift card via Cashrewards
97 Woolworths Rewards Points, equal to 42 Qantas points
95 frequent flyer points from your credit card
Total value: $9.30 per $100 spent*

Alternative to eGift card: 100 Myer One points equal to $1 value, plus an extra 5 points per $100 on your credit card as you will be paying 5% more without the eGift card.

*There are some technicalities here. This would be based on the advertised price of the petrol and it assumes $1.30 per litre. The savings per $100 spent will rise as the petrol price falls since the discount is fixed at 4 cents per litre (you get more litres per $100, therefore more 4 cent discounts). At an advertised price of petrol at $1.06 you will earn a total of 10% in savings and points using the four items listed above. The 4 cents per litre comes off that total you pay, to bring the $100 down to $96.92 at the cash register. Your eGift discount is based on the $96.92, so the 5% discount using the eGift card equals $4.85 (not $5 on $100 spend) and that would also mean you earn 97 points on $96.92. Finally, the 95 points on the credit card are due to you paying $95 to get a $100 eGift card.

Things to watch
  • If you are going to shop at Woolworths to gain the 4 cent discount voucher, don't forget to also use your eGift card on your grocery bill to save 5%.

  • Due to the complexity of Caltex station ownership, stations that accept Myer One do not generally accept eGift cards, so it's one or the other.

  • Some Caltex stations charge a credit card surcharge for American Express, which generally earn points at a higher rates. Just ask before you pay. One way around this is to purchase an eGift card with your AmEx as they don't attract the surcharge.

  • To earn earn Woolworths Rewards, the Caltex stations must be promoting the discount voucher.

  • Not all Caltex stations earn Myer One Rewards. You may find some petrol stations accept Myer One and not Woolworths Rewards, and vice versa. On the following list of Caltex stations that accept Myer One, scan down until you see Caltex Woolworths as this will be the overlap between the two programs (click here for the list, PDF 195KBnew window). One thing we noted in the list is that some Caltex stations don't have Woolworths in the station title but in fact earn Woolworths Rewards. You can tell a Woolworths-Caltex petrol station by looking for the Woolworths petrol discount listed prominently in green on the petrol price signage outside of every station (Steet View on Google Maps can help here). This complicated system is perhaps why the Myer One benefit at Caltex is not very well known. It may be simpler to ask next time you visit Caltex, or tap your card(s) on the terminal to see what happens.

    Caltex Woolworths
    This is an example of a Woolworths Caltex petrol station from Google Maps' Street View. Despite the 'Star Mart' logo, it still takes Woolworths 4 cents vouchers and Myer One cards, but not eGift cards.