Best Credit Card for Fuel in India 2025: Fuel Credit Cards Benefits, Features and Fees

Several top banks in India, including Axis Bank, HDFC Bank, ICICI Bank, SBI, and Kotak Mahindra Bank, offer the best credit cards for fuel designed to help you save on fuel expenses. These cards usually offer multiple benefits such as reward points, cashback offers, and discounts in addition to a fuel surcharge waiver. Learn about the key features and benefits of fuel credit cards before you apply for one.

Quick Synopsis

• Fuel credit cards help you save money on every petrol or diesel refill.
• They offer benefits like fuel surcharge waivers, cashback, and reward points.
• Cards like IndianOil Citi Platinum, BPCL SBI, and HDFC Bharat Cashback are popular for everyday fuel savings.
• Premium cards, such as ICICI HPCL Coral and Axis Bank IndianOil, offer higher rewards for loyal users. 

9 Credit Cards with Fuel Benefits

When looking for the best credit card for fuel, the ideal choice depends on your spending habits and your preferred fuel station. Here are some of the top fuel credit cards in India:

Indian Oil RBL Bank XTRA Credit Card

1. Joining Fee: ₹1,500
2. Annual Fee: ₹1,500

The following are the features and benefits of one of the best credit cards for fuel:

• If you spend between ₹500 and ₹4,000, you can get a 1% fuel surcharge waiver up to a maximum limit of ₹200 each month.
• You can get 15 fuel points for every ₹100 spent at Indian Oil Fuel stations. Further, you can get up to 2,000 fuel points each month.
• In case you spend on other categories, you can get 2 fuel points for every ₹100.
• You can make a transaction of ₹500 or more within the first 30 days of card activation to earn 3,000 fuel points.
• In case you transact an amount of ₹75,000 in a quarter, you will get 1,000 fuel points.
• You can redeem your fuel points at 1 Fuel Point = ₹0.50 and 1 XTRAREWARD Point = ₹0.30.

BPCL SBI Card Octane

1. Joining Fee: ₹1,499
2. Annual Fee: ₹1,499

Here are the features and benefits of the BPCL SBI Card Octane:

• As a cardholder, you can get 10 reward points for every ₹100 spent on groceries, dining, movies and departmental stores. You can get up to 7,500 points each month.
• You can get 25 reward points for every ₹100 spent at BPCL fuel, Bharat Gas website and app or on BPCL lubricants. In addition, you can get up to 500 points each month on your expenses at Bharat Gas.
• If you spend ₹100 on retail purchases, you can earn 1 reward point.
• The value of reward points is 4 reward points = ₹1.
• When you pay the annual fee, you will earn 6,000 bonus reward points.
• If you spend up to ₹4,000 across BPCL petrol pumps in India, you can get a 1% fuel surcharge waiver up to ₹100 each month.
• In case you spend at least ₹2 lakh on your card, your annual fee will be waived off.
• If you spend ₹3 lakhs annually, you can get e-gift vouchers from Bata, Aditya Birla Fashion, Hush Puppies, Yatra and others.
• The card offers 4 complimentary domestic VISA lounge access per year, with a limit of 1 per quarter.

HPCL IDFC First Power + Credit Card

1. Joining Fee: ₹499
2. Annual Fee: ₹499

You can reap the following benefits of this card:

• In case you use the HP Pay app, you will get 6 Happy Coins as payback rewards, which is 1.5% savings per ₹100.
• If you spend on HPCL fuel and LPG, you will get 30 reward points or 5% off for every ₹150 spent. The same rewards apply for spending on groceries, IDFC FASTag and utilities.
• The value of 1 reward point is ₹0.25.
• You will get 3 reward points for every ₹150 spent on retail and UPI spends.
• You can get ₹1,000 off if you rent a ZoomCar and up to 50% off on Europcar and Eco Rent A Car as a joining bonus.
• If you spend at least ₹1.5 lakh in a year, your annual fee will be waived off.
• In case you spend ₹500 within the first 30 days of card set up on HPCL, you can get a cashback of ₹500.
• If you convert your transactions into EMI (Equated Monthly Instalment) within the first 30 days, you can get 5% cash back up to ₹1,000.
• If you spend ₹20,000 per month, you can get a complimentary domestic airport lounge access each quarter.
• You can get 25% off on movie tickets, up to ₹100 per month. 

ICICI HPCL Super Saver Credit Card

1. Joining Fee: ₹500
2. Annual Fee: ₹500

Here are the benefits of using the above-mentioned card:

• In case you pay at HPCL fuel outlets using the HP Pay app, you will get 1.5% savings in terms of 6 reward points for every ₹100 spent.
• If you use the card for grocery shopping, at departmental stores, and to pay utility bills, you can get 5% back as reward points per month, up to 400 points on a monthly basis.
• If you spend on fuel at HPCL pumps, you can get a cashback of 4% up to ₹200 per month.
• In case you spend ₹5,000 within the first 45 days of card issuance and joining fee payment, you can get a bonus of 2,000 points.
• You can get a 1% fuel surcharge cashback on fuel spends of ₹4,000.
• Each reward point is equivalent to ₹0.25.
• If you recharge using the HP Pay app, you can get ₹100 as cashback.
• If you book two movie tickets at least on BookMyShow and INOX, you can get 25% off up to ₹100 per transaction twice every month.
• In case you spend ₹35,000 in the previous quarter, you can get 1 complimentary domestic airport lounge access each quarter.
• In case you spend ₹1.5 lakh a year using this card, the annual fee will be waived off.

Indian Oil Axis Bank Credit Card

1. Joining Fee: ₹500
2. Annual Fee: ₹500

You can reap the following benefits by using the card mentioned above:

• As a cardholder, you can get 4% back as 20 EDGE rewards per ₹100 if you spend on fuel purchases of ₹400 to ₹4,000 at IOCL pumps in India. Notably, you can get up to 1,000 points every month.
• You can get EDGE reward points similar to your first fuel spend up to ₹250 within the first 30 days of issuance of the card.
• If you spend ₹100 to ₹5,000 on online shopping, you can get 1% back as 5 EDGE reward points per ₹100, up to 250 points per month. Notably, on other spends you can get 1 EDGE reward point per ₹100.
• If you spend at least ₹2,500 on dining bills using EazyDiner, you can get 15% off up to ₹500.
• If you spend on fuel between ₹400 and ₹4,000, you can get a fuel surcharge waiver of 1% up to ₹50 per month.
• The value of 1 EDGE reward point is ₹0.20.
• In case you spend ₹3.5 lakh on your card, your annual fee will be waived off. 

BPCL SBI Card

1. Joining Fee: ₹499
2. Annual Fee: ₹499

Here are the benefits that you can reap by using the above-mentioned card:

• You can earn 13x more reward points, which is equivalent to 4.25% value back on fuel spent.
• As a cardholder, you can get a 1% fuel surcharge waiver on transactions up to ₹4,000 at BPCL outlets.
• You can redeem your reward points at BPCL outlets instantly.
• As a joining bonus, you can get 2,000 bonus reward points, which is equivalent to ₹500. You can redeem these points at fuel stations.
• The card allows a maximum of ₹100 waiver per billing cycle, helping you save up to ₹1,200 per year on fuel surcharge fees. 

Indian Oil Axis Bank Premium Credit Card

1. Joining Fee: ₹1,000
2. Annual Fee: Waived off if you spend at least ₹1 lakh

You can enjoy the following features and benefits of the mentioned card:

• If you transact using the card within the first 30 days, you can get 500 EDGE Miles as a joining bonus.
• You can enjoy a 1% surcharge waiver on fuel transactions at Indian Oil outlets without any monthly cap.
• You can get 6x EDGE reward points per ₹150 spent at Indian Oil fuel stations.

Indian Oil Kotak Credit Card

1. Joining Fee: ₹449
2. Annual Fee: ₹449

Here are the benefits of the above-mentioned credit card:

• You can get a 1% fuel surcharge waiver on transactions between ₹100 and ₹5,000 with a monthly limit of ₹100 per month.
• If you purchase fuel at Indian Oil stations, you can get 24 reward points per ₹150, with a maximum monthly limit of 1,200 points.
• You can get a combination of a fuel surcharge waiver and Indian Oil fuel savings of up to 5%.
• As a cardholder, you can convert 300 Kotak Rewards Points into XTRA Rewards of 250, which is equivalent to ₹75 in fuel transactions. 

HPCL BoB Energie Credit Card

1. Joining Fee: ₹499
2. Annual Fee: Waived, if you spend at least ₹50,000

Here are the features and benefits of the mentioned credit card:

• You can get a 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000 at HPCL pumps.
• If you purchase fuel at LPG and HPCL outlets, you can get up to 5% savings.
• If you spend ₹50,000 within the first 60 days of card issuance, you can get 500 bonus reward points.

Some of the best credit cards for fuel help you avail a fuel surcharge waiver. In addition, they provide reward points that can be redeemed for fuel, making your spending even more rewarding. You can additionally use these credit cards for other shopping purposes to earn bonus points. 

Don’t have a credit history? No problem. You can still get a credit card against a fixed deposit. Start by booking a fixed deposit with Stable Money’s trusted partners and earn up to 8.40% interest per annum.

Download the Stable Money App now to book fixed deposits today!