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 is right within their own scope; none will tell you where their offer falls short.
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 how much you really pay per litre at a station the driver passes without leaving the route, and how much of that price is eaten by fees that are not obvious at first glance.
This article breaks down five cards into their components: OMV, E100, Eurowag, AS 24 and DKV. No marketing sauce, with concrete numbers and an honest indication of where competitors still win. 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 wins for 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 comes out best, because it is the only one of the five options where you pay the issuer price, not the issuer price plus an intermediary margin.
| Card | Model | Best for | Weak point 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 | Service fees, margin on longer transit |
| Eurowag | Intermediary, Fuel/EVA package | Firms wanting 1 card for fuel and tolls | Extra margin on both products at once |
| AS 24 | TotalEnergies network | FR, BE, NL routes | Weak offer in Poland and the CEE region |
| DKV | Intermediary, very wide network | Broad acceptance across Europe | Commissions, weaker CEE region integration |
Which card wins for a Polish PL + CEE fleet?
The OMV card. The reason is simple: OMV is a fuel issuer, so the card price has no extra intermediary margin, and the own OMV, Avanti and Petrom station network 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 holds up where the fleet drives almost exclusively in Poland and what matters most is acceptance density in the country, not the discount per litre. Eurowag wins for firms that prefer one integration for fuel and tolls over two separate contracts, even if that means a slightly higher bill at month end. AS 24 is the natural choice for fleets regularly entering France, Belgium and the Netherlands, where the AS 24 network is denser than OMV. 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 is the distinction that decides the real cost per litre more than anything else in this comparison. An issuer (like OMV) extracts or refines fuel itself, has its own stations and sets the card price for fleets with no extra link in the chain. An intermediary (E100, Eurowag, DKV) does not have its own stations at scale: it negotiates access to partner networks and builds its operating cost into the price per litre or a separate service fee.
Let’s count it on a concrete example. If the difference between the issuer card price and the intermediary card price is 15 groszy per litre, then on a single 500-litre refueling that is 75 PLN on one tank. For a fleet of 20 tractor units fueling on average 4 times a month that is 80 refuelings, i.e. 6,000 PLN monthly and over 72,000 PLN annually from a single extra margin in the billing chain alone. That is not an amount you notice on one invoice, but it becomes very visible at year end.
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 issuer card price versus intermediary margin and service fees. An issuer has no reason to add an extra cost link, because it owns the fuel and infrastructure. An intermediary must earn on its role, so that cost lands either in the price per litre or in a separate line on the invoice that is easy to miss when comparing offers.
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 may look dense on paper, but in practice means acceptance at different operators with different standards and different availability of 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: a card you wait a month for and handle in English through a foreign call centre costs more than the price per litre alone suggests.
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 nine Central and South-Eastern European countries, including Austria, the Czech Republic, Slovakia, Slovenia, Hungary, Romania, Serbia, Bulgaria and Moldova (OMV, Avanti, Diskont and Petrom brands, roughly 1,700 stations in total). Thanks to the ROUTEX network, the card additionally covers more than 20,000 locations across dozens of European countries.
The OMV card price has no intermediary margin, because you pay the issuer directly. The discount grows with annual fueling volume, and in the Czech Republic it can reach 0.35 PLN per litre on a well-negotiated contract. The card requires no subscription, standard issuance is free, and 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 has no own network and only negotiates acceptance with other operators. Who E100 is for: best for firms operating mainly in Poland that value simple onboarding and wide station availability domestically.
Reviews of the E100 card among carriers are mixed: users praise ease of getting the card and the convenience of cashless refueling, and more often criticise service fees and exchange margin when fueling abroad, which eat part of the discount benefit. On longer transit through the Czech Republic, Slovakia or Hungary the E100 card performs worse than an issuer card because of that intermediary layer.
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. It is a convenient solution, but convenience has a price: an extra margin between the station and the invoice appears on both products at once, fuel and tolls, so total fleet cost can be higher than the sum of two separate issuer contracts.
Eurowag reviews usually highlight broad geographic reach and the convenience of one fleet management panel, and as a minus point to the accumulated intermediary margin and dependence on one supplier for two key operating costs. Eurowag pays off mainly for smaller fleets that value simplicity more than the last złoty of discount.
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 the same card performs noticeably worse, because AS 24 network density in Poland and Central Europe is clearly lower than OMV. Carrier reviews confirm this geographic split: positive in western Europe, cautious or neutral when the fleet asks about coverage in Poland or Slovakia. Many transport firms keep two cards at once: OMV for the domestic and CEE route, 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: DKV has no own network at scale, so a margin from the intermediary role in the billing chain is added to the price per litre.
How much does a DKV card cost? Fees, commissions, contact
The DKV cost model depends on the contract variant, but usually includes one or more of these items: a fee for card issuance or handling, a commission built into the price per litre or charged separately on the invoice, and a fee for add-on services (e.g. the toll module in the BOX Europe variant). Specific rates are subject to individual negotiation and depend on fleet volume.
Contact with DKV in Poland is handled through the local representative office or a brand sales partner, and response time depends on the chosen reporting channel (phone, email, client portal). Carrier reviews of DKV support are mixed: some firms praise broad card acceptance, some point to response time on disputed invoice items. Before signing a contract, ask for a full list of service fees, not only the declared price per litre, because the sum of those lines decides the real cost at month end.
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 that really affect fleet cost.
| 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 | 9 own countries + ROUTEX 20,000+ | Mainly PL, partner abroad | Multi-country, partner | Weak in PL/CEE, strong FR/BE/NL | Very wide, partner |
| Billing model | 1 consolidated invoice, converted | Consolidated invoice + service fees | Consolidated invoice, fuel + tolls | Consolidated invoice, FR-oriented | Consolidated invoice, fees per variant |
| Typical fees | No subscription, free issuance | Service fee, exchange margin | Margin on fuel and tolls combined | Contract-dependent, western focus | Card fee, commission per litre |
| Cost per litre (indicative) | Issuer price, discount up to 0.35 PLN/l in CZ | Issuer price + intermediary margin | Issuer price + package margin | Competitive in FR/BE/NL | Issuer price + intermediary commission |
| PL support | In Polish, ONYX agent | Usually in Polish | Depends on service region | Limited in PL | 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, not the discount on foreign refueling. Here E100 or cards from groups with a strong domestic network hold up best, because the price difference versus OMV is marginal and only station availability near the base and delivery route matters.
PL + CEE fleet (transit through CZ, SK, HU, SI, RS, RO)
This is the scenario where the OMV card shows its full advantage: own network on D1 in the Czech Republic, Slovak, Hungarian, Slovenian, Serbian and Romanian corridors, plus issuer price with no intermediary margin. 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 issuer 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, even at the cost of a slightly higher total bill, Eurowag or a similar intermediary package makes sense. An alternative that gives similar convenience without double margin is combining an OMV card with an EETS device for toll settlement under one partner. 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 convenience, not price, is the priority) |
| 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 subscription 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 whether you pay the issuer price or the issuer price plus an intermediary margin. For a fleet running from Poland through the Czech Republic, Slovakia, Hungary, Slovenia, Serbia and Romania, that difference — on 500-litre refuelings and a dozen or so groszy per litre — means tens of thousands of złoty annually in the fuel budget.
E100 remains a good choice for a purely local fleet in Poland, Eurowag for firms that value one integration for fuel and tolls more than the last złoty of discount, and AS 24 for the French and Benelux route. For the PL, CEE and wider Europe corridor the OMV card through ONYX comes out best: issuer price, own network on HGV routes, one consolidated invoice and support in Polish.
Want to calculate how much your fleet would really save after switching to an OMV card? See fuel cards for companies or contact ONYX experts, and we will match the discount and limits to your routes.
