A dispatcher at a small transport company in Upper Silesia gets three phone calls in one week: from an E100 salesperson with a “better rate”, from a Eurowag agent with a “fuel plus tolls in one card” package, and from someone trying to sell DKV as “a card accepted across all of Europe”. Each of these offers makes sense, but in a different fleet scenario.
Meanwhile the fleet drives a specific route: Katowice, Ostrava, Bratislava, Budapest, sometimes further south to Serbia or Romania. On that route what matters is not which card has the best slide in the presentation, but whether the driver can fuel at a station on the route without leaving it, what you pay per litre under your contract and how you settle it on the invoice.
This article breaks down five cards into their components: OMV, E100, Eurowag, AS 24 and DKV. We compare them on the same criteria (station network, route coverage, billing, support) and show which scenario each card fits best. If you prefer to start from the product page, see fuel cards for companies, and for broader fleet refueling context we have the OMV fuel cards mega guide.
Quick answer: which fuel card fits an HGV fleet in 2026?
In short: for a fleet running from Poland through the CEE corridor (Czech Republic, Slovakia, Hungary, Slovenia, Serbia, Romania), the OMV card through ONYX fits best, because it combines its own OMV, Avanti and Petrom station network in those countries with one invoice, a payment term of up to 30 days and support in Polish.
| Card | Model | Best for | What to check on PL, CEE routes |
|---|---|---|---|
| OMV Card | Issuer (OMV, Avanti, Petrom) | PL + CEE + Europe fleets, one invoice | Lower density vs Orlen purely locally in PL |
| E100 | Intermediary, partner network | Local PL fleet, vans | Partner stations on the transit route |
| Eurowag | Intermediary, Fuel/EVA package | Firms wanting 1 card for fuel and tolls | Fuel + tolls package terms per contract |
| AS 24 | TotalEnergies network | FR, BE, NL routes | Network densest in FR, BE, NL |
| DKV | Intermediary, very wide network | Broad acceptance across Europe | Acceptance depends on partners per country |
Which card fits a Polish PL + CEE fleet?
The OMV card. The reason is simple: OMV issues the card for its own OMV, Avanti and Petrom station network, which covers exactly the countries a typical Polish carrier drives through heading south. On top of that you get one consolidated invoice, a payment term of up to 30 days and support in Polish through ONYX as the official OMV agent.
When do E100, Eurowag, AS 24 or DKV still make sense?
E100 works where the fleet drives almost exclusively in Poland and what matters most is acceptance density in the country. Eurowag suits firms that prefer one integration for fuel and tolls over two separate contracts. AS 24 is the natural choice for fleets regularly entering France, Belgium and the Netherlands, where the AS 24 network is dense and tailored to trucks. DKV remains a sensible option when the fleet needs very broad, universal acceptance across many countries at once and does not want to manage several cards simultaneously.
What is a fleet fuel card?
A fleet fuel card is a company tool for cashless refueling at the card price, lower than the retail price on the pylon, with one consolidated invoice and a deferred payment term. The driver authorizes refueling with a PIN assigned to the card or vehicle, the transaction goes to the issuer’s system with date, litres and location, and the company settles the whole period on one invoice instead of collecting receipts from stations.
The card usually has daily or monthly limits (amount or litres), which protects against misuse and lets you control the fleet budget from an online portal. It is this administrative simplicity, alongside the price per litre itself, that is the main reason transport companies reach for a fuel card at all instead of paying cash or using the driver’s personal card.
How does an issuer (OMV) differ from an intermediary (E100, Eurowag, DKV)?
This distinction decides where you fuel and who you settle fuel with. An issuer (like OMV) is a fuel group that issues the card for its own station network. An intermediary (E100, Eurowag, DKV) does not have its own stations at scale: it negotiates access to partner networks of many station brands.
In practice, with an issuer card you fuel at stations of one network, so it is easy to check whether they sit on your route. An intermediary card gives a choice of stations from many brands, and acceptance varies between countries. Prices in both models depend on the contract, so compare offers on refuelings from your recent routes, not on one rate from a presentation.
Criteria that really decide fleet cost
The price on the salesperson’s billboard is the least important number in this comparison. Real fleet cost is decided by several things at once, and it is worth breaking them down instead of trusting one rate torn out of context.
The first is the full cost on your routes. Every provider sets the price per litre and terms in the contract, so ask for a full offer and compare it on refuelings from recent months. What counts is the total on the invoice for the whole period.
The second is network density on HGV corridors in Central Europe (Czech Republic, Slovakia, Hungary, Slovenia, Serbia, Romania) compared with a purely partner network. OMV’s and Avanti’s own network sits at main motorway junctions on those routes, so the driver fuels along the way. A partner network gives access to stations of many brands, so before you choose, check which of them sit on your route and have spaces for articulated sets.
The third is invoice model and payment term. One consolidated, currency-converted invoice with a term of up to 30 days is a different world from several invoices from several suppliers with different terms, which makes planning cash flow harder. The fourth is VAT and excise settlement on fuel bought abroad, which we cover in detail in country guides, for example for the Czech Republic and Slovakia. The fifth, often underrated, is support in Poland and activation time: support in Polish and activation within days save time for dispatch and accounting.
Brand profiles: OMV, E100, Eurowag, AS 24, DKV
Before the large comparison table, it is worth breaking down each brand separately, because each has a different business model and a different group of firms it actually suits.
OMV Card (ROUTEX): issuer, CEE network, card price, ONYX agent
OMV is a fuel group with its own station network in Central and South-Eastern Europe (OMV, Avanti, Diskont and Petrom brands). The OMV card works in seven countries: Austria, the Czech Republic, Slovakia, Slovenia, Hungary, Romania and Serbia. Thanks to the ROUTEX network, the card additionally covers more than 20,000 locations across dozens of European countries.
The discount grows with fueling volume and is set individually in the contract. The payment term is up to 30 days. In Poland you get the OMV card through ONYX, the official OMV agent, with support and contract in Polish.
E100 fuel card: what it is, which stations, who it is for, reviews
The E100 fuel card is an intermediary card on a partner network covering many station brands in Poland, popular among sole traders, small fleets and van carriers. Answering the most common search queries: which stations the E100 card covers depends on the issuer’s current partner list, because E100 runs on a partner network rather than its own stations. Who E100 is for: best for firms operating mainly in Poland that value simple onboarding and wide station availability domestically.
When reading E100 reviews, check whether they concern routes similar to yours. For transit through the Czech Republic, Slovakia or Hungary, check the list of partner stations on the corridor and compare the full cost with an issuer card on the same refuelings.
Eurowag (Fuel/EVA): fuel plus tolls package, reviews, when it pays off
Eurowag offers fuel cards (Fuel) combined with toll settlement in one ecosystem (EVA), which can appeal to firms that do not want a separate fuel contract and a separate toll contract. You then settle fuel and tolls with one supplier, in one panel.
Eurowag suits fleets that want to settle fuel and tolls together. Package terms depend on the contract, so compare them on your routes with the option of two separate products. When reading Eurowag reviews, check whether they concern a fleet of similar size and routes.
AS 24: when is AS 24 worth choosing (FR, BE, NL)?
AS 24 (part of the TotalEnergies group) is a truck-dedicated station network, especially dense in France, Belgium and the Netherlands. For a fleet regularly entering western Europe AS 24 gives a real advantage: stations are designed for articulated sets, with enough spaces and infrastructure to fuel without queues typical of general-access stations.
On PL and CEE routes, check whether AS 24 stations sit on your corridor, because the network is densest in western Europe. In the Czech Republic, Slovakia, Hungary, Slovenia, Romania and Serbia the OMV card gives access to its own OMV, Avanti and Petrom stations. Many transport firms keep two cards at once: OMV for the CEE corridor, AS 24 as a supplement for France and the Benelux.
DKV fuel card: what is it and how does it work?
DKV is one of the best-known intermediaries in Europe, with DKV Card and the DKV BOX Europe variant combining fuel with toll settlement. The mechanics are standard for an intermediary card: the driver fuels cashlessly at a station accepting DKV, authorizes the transaction with a PIN, and the company receives a consolidated invoice for the billing period. In Poland the DKV card is also accepted at some Orlen stations under partner agreements, which surprises many carriers because they associate DKV only with a foreign network.
The difference versus an issuer card is the same as with E100 and Eurowag and concerns the network model: DKV gives access to partner stations of many brands, OMV to its own OMV, Avanti and Petrom stations.
How much does a DKV card cost? Contract terms and contact
The cost of a DKV card depends on the contract variant (DKV Card or DKV BOX Europe with toll settlement) and on fleet volume. Specific terms are subject to individual negotiation.
Contact with DKV in Poland is handled through the local representative office or a brand sales partner, by phone, email or the client portal. Before signing a contract, ask for a full offer, not only the declared price per litre, and compare it with other cards on the same refuelings.
Head-to-head comparison table: OMV vs E100 vs Eurowag vs AS 24 vs DKV
The table below lines up all five cards on the same criteria: network, coverage, billing and support.
| Criterion | OMV Card | E100 | Eurowag | AS 24 | DKV |
|---|---|---|---|---|---|
| Model | Issuer (OMV, Avanti, Petrom) | Intermediary, partner network | Intermediary, Fuel/EVA package | TotalEnergies network | Intermediary, European network |
| Countries/network in CEE | 7 own countries + ROUTEX 20,000+ | Mainly PL, partner abroad | Multi-country, partner | Densest in FR, BE, NL | Very wide, partner |
| Billing model | 1 consolidated invoice, converted | Consolidated invoice | Consolidated invoice, fuel + tolls | Consolidated invoice | Consolidated invoice, fuel + tolls in BOX Europe |
| Payment term | Up to 30 days through ONYX | Per contract | Per contract | Per contract | Per contract |
| Price per litre | Per contract, discount grows with volume | Per contract | Per contract | Per contract | Per contract |
| PL support | In Polish, ONYX agent | Usually in Polish | Depends on service region | Depends on service region | PL representative/partner |
| Who it is for | PL + CEE + Europe fleet | Local PL fleet, vans | Firms wanting 1 card for fuel+tolls | FR, BE, NL fleet | Fleet needing very wide acceptance |
Which card for your fleet scenario?
Theory ends when you have to match the card to a specific route. Let’s break it down into four typical fleet scenarios.
Purely local fleet in Poland
If trucks or vans do not cross the border, the priority is network density in the country. Here E100 or cards from groups with a strong domestic network work best, because what matters is station availability near the base and delivery route.
PL + CEE fleet (transit through CZ, SK, HU, SI, RS, RO)
This is the scenario the OMV card fits best: own network on D1 in the Czech Republic and on the Slovak, Hungarian, Slovenian, Serbian and Romanian corridors, one consolidated invoice, a payment term of up to 30 days and support in Polish through ONYX. Details of refueling on specific routes are covered in guides for the Czech Republic and Slovakia, with numbers broken down country by country.
FR, Benelux fleet
Here the roles reverse: AS 24 has a denser truck-dedicated station network in that specific area than OMV. Many mixed fleets driving both east and west choose two cards at once, picking the right card for each part of the route instead of looking for one universal card for all of Europe.
Fleet wanting one card for fuel and tolls
If the priority is maximum administrative simplification, Eurowag or a similar intermediary package makes sense. An alternative is combining an OMV card with an EETS device for toll settlement under one partner, ONYX. We compared OBU toll devices themselves (a different topic than the fuel card) in the EETS OBU comparison article, and the product page for road tolls is in the ONYX road tolls offer.
| Scenario | Best choice | Alternative |
|---|---|---|
| Local PL fleet | E100 or card from a group with strong PL network | OMV (if you plan CEE expansion) |
| PL + CEE fleet | OMV Card | Eurowag (if you want fuel and tolls bundled) |
| FR/Benelux fleet | AS 24 | OMV + AS 24 combined |
| 1 card for fuel + tolls | Eurowag | OMV Card + separate EETS |
Migration from E100, Eurowag or DKV to an OMV card: how to do it without double fees
Changing fuel card raises one real fear: paying twice for the same month when the old contract is still running and the new card is already active. You can avoid that if you follow the sequence.
- Submit an OMV card application before you terminate the current contract. Activation takes about 7 business days, so you have time to test.
- Test the OMV card on part of the fleet for one or two billing periods to check route coverage and invoice correctness.
- Check the notice period in the contract with the previous provider and any equipment return conditions (if the card was tied to a toll device).
- Synchronise the cancellation date of the old card with full fleet switch to OMV, so you do not pay for two systems in the same month.
- Switch the whole fleet at once when the test group confirms the new card works without disruption on your routes.
The biggest migration cost is rarely the card change itself, but a poorly managed schedule through which the company pays for two solutions at once for a month.
How to order an OMV card through ONYX?
The OMV card ordering process through ONYX is handled in Polish from first contact to cards reaching the fleet.
First you submit an application with basic company registration details. Then you go through a creditworthiness check, because the card means a deferred payment term, i.e. effectively a trade limit with the issuer. In parallel you declare estimated annual mileage or fueling volume, on the basis of which the volume discount level is set.
After signing the contract the cards reach the fleet within the standard time of about 7 business days. There is no minimum entry volume or limit on the number of cards, so the solution serves a firm with one vehicle and a fleet of several dozen tractor units equally. Initial transaction limits are set individually at the verification stage, with the option to adjust after the first months of cooperation when the real fueling pattern of the fleet is visible.
Summary
The biggest difference between these five cards is not the logo on the plastic, but the network model and whether the card covers your route. An issuer like OMV gives its own stations on the corridor, intermediaries like E100, Eurowag and DKV give access to partner stations of many brands, and the price in every case depends on the contract.
E100 remains a good choice for a purely local fleet in Poland, Eurowag for firms that want one integration for fuel and tolls, and AS 24 for the French and Benelux route. For the PL, CEE and wider Europe corridor the OMV card through ONYX fits best: own network on HGV routes, one consolidated invoice, a payment term of up to 30 days and support in Polish.
Want to check how the OMV card fits your fleet’s routes? See fuel cards for companies or contact ONYX experts, and we will match the discount and limits to your routes.
