Pre-paid or Co-branded petro card
The pre-paid petro card may help to keep your spending under control but if you do not want pre-pay for your purchases you can opt for a co-branded credit card that gives a dual advantage of a standard credit card and fuel without surcharge. Both the cards provide a relaxation on surcharge to the user and can be used on petrol pump of the specific company. A pre-paid card is very restricted in its use and a co-branded card is flexible. You can use the later for purchases other than fuel as well. That way your co-branded card has an upper hand over your pre-paid card.
Co-branded / Pre-paid cards or Plain credit cards
In case you do not patronize a single petrol pump/brand or don't feel like carrying too many cards, you always use your usual credit card. Although a co-branded or pre-paid card do provide with a surcharge wavier sometimes even the plain credit cards are subject to multiple benefits including surcharge wavier at certain times.