Best Fuel Credit Cards in India

Below is the list of 10 top fuel credit cards in India:

BPCL SBI Card

BPCL SBI Credit Card comes with many fuel as well as non-fuel related benefits, such as 5 reward points on every Rs. 100 spent at Dining, Departmental Stores, Grocery, and Movies, 3.25% + 1% fuel surcharge waiver on every BPCL transaction up to Rs. 4,000, 1 reward point for spending every Rs. 100 on other retail categories, and so on.

Key features & benefits:

• 4.25% Valueback on BPCL purchases.
• 3.25% + 1% fuel surcharge waiver (maximum Rs. 100 in a billing cycle, equivalent to annual savings of Rs. 1,200) on every BPCL transaction of up to Rs. 4,000 (excluding GST & other charges).
• 5 reward points (up to 5000 per month) on spending every Rs. 100 at departmental stores, groceries, movies & dining.
• 1 reward point for every Rs. 100 spent on other retail purchases (except non-BPCL fuel spends & mobile wallet upload).
• Joining fee: Rs. 499 + taxes. 
• Renewal fee: Rs. 499 + taxes; Reversed on annual spends of Rs. 1 Lakh.

BPCL SBI Card Octane

BPCL SBI Card Octane offers several benefits, such as 4 complimentary domestic VISA airport lounge visits per calendar year, 25 reward points on spending every Rs. 100 at BPCL Fuel/ Lubricants/Bharat Gas website & app, 10 reward points on every Rs. 100 spent at Dining, Departmental Stores, Grocery, and Movies, 6.25% + 1% fuel surcharge waiver on every BPCL transaction up to Rs. 4,000, etc.

Key features & benefits:

• 6000 bonus reward points worth Rs. 1,500 as a welcome gift within 30 days of annual fee payment. 
• This is the best credit card for petrol, offering 6.25% + 1% fuel surcharge waiver on (maximum Rs. 100 in a billing cycle, equivalent to annual savings of Rs. 1,200) on every BPCL transaction of up to Rs. 4,000 (excluding GST & other charges).
• 25 reward points (up to 500 per billing cycle ) on spending every Rs. 100 at BPCL Fuel, Lubricants & Bharat Gas (website & app only).
• 10 reward points (up to 7500 per month) on spending every Rs. 100 at departmental stores, groceries, movies & dining.
• 1 reward point for every Rs. 100 spent on other retail purchases (except non-BPCL fuel spends & mobile wallet upload).
• 4 complimentary domestic VISA airport lounge visits per calendar year. 
• e-Gift vouchers worth Rs. 2,000 from Aditya Birla Fashion/ Yatra/ Bata/ Hush Puppies on annual spend of Rs. 3 Lakhs.
• Joining fee: Rs. 1,499 + taxes. 
• Renewal fee: Rs. 1,499 + taxes; Reversed on annual spends of Rs. 2 Lakhs.

IndianOil Axis Bank Premium Credit Card

This credit card is designed to provide benefits on every fuel transaction. The card gives accelerated reward points and surcharge waivers at fuel outlets along with a 30% discount on food delivery through Zomato.

Key features & benefits:

• 500 Edge Miles as a welcome benefit on first spend within 30 days of card issuance.
• 6 Edge Miles on spending every Rs. 150 at any IOCL fuel outlet across India on up to Rs. 15,000 transactions per month.
• Continue to earn 1 Edge Mile on spending every Rs. 150 for spends above Rs. 15,000 per month.
• 2 Edge Miles on spending every Rs. 150 on grocery and supermarket. Transact up to Rs. 5,000 monthly to earn up to 33 Edge Miles.
• Continue to earn 1 Edge Mile on spending every Rs. 150 for spends above Rs. 5,000 per month.
• 30% off (up to Rs. 150 per order) on Zomato on minimum spending of Rs. 200 (up to 2 times a month), by using AXISIOCL coupon code.
• 1% unlimited fuel surcharge waiver on fuel purchases at all IOCL fuel stations in India.
• 2 complimentary lounge access per quarter at partner domestic airports.
• Annual fee waiver on spending Rs. 30,000 or above in a year.
• Up to 15% instant discount on flights and hotels booked through MakeMyTrip.
• 10% off on Swiggy orders.
• 10% off (up to Rs. 1,000) on Tira.
• Joining fee: Rs. 1,000 + GST.
• Renewal fee: Rs. 1,000 + GST; Waived on spending Rs. 30,000 or above in a year.

IndianOil HDFC Bank Credit Card

This card offers 5% of spends as Fuel Points at IndianOil outlets, groceries and bill payments, and 1 Fuel Point on spending every Rs. 150 on other purchases, including UPI transactions. You also get a complimentary IndianOil XTRAREWARDSTM Program (IXRP) membership. 

Key features & benefits:

• Rs. 250 worth of voucher on card activation and completion of first transaction within 37 days from card issuance date. 
• Earn 5% of your spends as Fuel Points at IndianOil outlets, groceries and bill payments.
• Earn 1 Fuel Point on spending every Rs. 150 on other purchases, including UPI transactions.
• Maximum 250 Fuel Points per month for the first 6 months of card issuance and 150 Fuel Points per month after that.
• Link your IndianOil HDFC Bank Credit Card to PayZapp to get Rs. 1,000 cashback on shopping in-app and earn additional cashback on utility bills, mobile recharges, etc.
• Annual fee waiver on spending Rs. 50,000 or above in a year.
• 1% fuel surcharge waiver (up to Rs. 250 per statement cycle) at all fuel stations in India on a minimum transaction of Rs. 400.
• Complimentary IndianOil XTRAREWARDSTM Program (IXRP) membership. 
• Joining fee: Rs. 500 + applicable taxes.
• Renewal fee: Rs. 500 + applicable taxes; Waived on spending Rs. 50,000 or above in a year.

IDFC FIRST Power+ Credit Card

The IDFC FIRST Power+ Credit Card helps you save up to Rs. 18,500 annually. There are many fuel-related benefits, and you also get 1 complimentary domestic airport lounge access every quarter, on minimum monthly spends of Rs. 20,000.

Key features & benefits:

• Save up to Rs. 18,500 annually, enough to buy 175+ litres of fuel.
• Welcome benefits worth Rs. 2,500.
• Low and dynamic Interest rates starting at 8.5% per year.
• 0% interest on ATM cash withdrawals until the due date.
• Up to 6.5% savings on fuel expenses.
• 5% savings as rewards on grocery and utility spends.
• 5% savings as rewards on IDFC FIRST FASTag recharge.
• 26.67% bonus reward points on hotel and flight bookings via IDFC FIRST mobile app. 
• 3X rewards on UPI and other retail transactions.
• 500 worth gift voucher on HPCL fuel transaction of Rs. 500 or more. 
• 5% cashback (up to Rs. 1,000) on the first EMI conversion.
• 1 complimentary domestic airport lounge access per quarter on minimum monthly spends of Rs. 20,000.
• Complimentary Roadside Assistance worth Rs. 1,399
• 25% off on booking movie tickets (up to Rs. 100, once every month).
• Personal Accident Cover of Rs. 2 Lakhs and Lost Card Liability Cover of Rs. 25,000.
• Refer your friends and earn up to 10,000 rewards (2,000 for every card set-up).
• Joining fee: Rs. 499.
• Annual fee: Rs. 499; Reversed on crossing Rs. 1,50,000 spends in the previous anniversary year.

IDFC FIRST Power Credit Card

The IDFC FIRST Power Credit Card helps you save up to Rs. 7,000 annually. There are many fuel-related benefits, and you also get 5% cashback (up to Rs. 1,000) on the first EMI conversion, 2X rewards on UPI and other retail transactions, and other benefits.

Key features & benefits:

• This is one of the best fuel credit card in India, which saves up to Rs. 7,000 annually, enough to buy 65+ litres of fuel.
• Welcome benefits worth Rs. 2,250.
• Low and dynamic Interest rates starting at 8.5% per year.
• 0% interest on ATM cash withdrawals until the due date.
• Up to 5% savings on fuel expenses.
• 2.5% savings as rewards on grocery and utility spends.
• 2.5% savings as rewards on IDFC FIRST FASTag recharge.
• 26.67% bonus reward points on hotel and flight bookings via IDFC FIRST mobile app. 
• 2X rewards on UPI and other retail transactions.
• 250 worth benefit on first HPCL fuel transaction of Rs. 250 or above. 
• 5% cashback (up to Rs. 1,000) on the first EMI conversion.
• Complimentary Roadside Assistance worth Rs. 1,399
• Personal Accident Cover of Rs. 2 Lakhs and Lost Card Liability Cover of Rs. 25,000.
• Refer your friends and earn up to 10,000 rewards (2,000 for every card set-up).
• Joining fee: Rs. 199.
• Annual fee: Rs. 199; Reversed on spending Rs. 50,000 or more in a year.

ICICI HPCL Super Saver Credit Card

If you want to reduce your fuel, utility and grocery bills, this is the best card for you. The ICICI Bank HPCL Super Saver Credit Card keeps costs under check with cashback and savings on fuel, utility and departmental store spends.

Key features & benefits:

• 2,000 reward points as a joining benefit on card activation and fee payment.
• 5% savings on all fuel spending at HPCL petrol pumps and HP Pay app. 
• 25% (up to Rs. 100) discount on booking movie tickets through BookMyShow and INOX Movies. Offer available twice a month.
• 20 reward points on spending every Rs. 100 on daily essentials.
• 2 reward points on spending every Rs. 100 on retail.
• 1 complimentary airport domestic lounge access per quarter on achieving spend criteria.
• Complimentary 24x7 Roadside Assistance services.
• Joining fee: Rs. 500 + GST.
• Renewal fee: Rs. 500 + GST; Waived on spends of Rs. 1,50,000 per year.

ICICI Bank HPCL Coral Credit Card

This ICICI Bank credit card saves up to 3.5% on fuel transactions at HPCL petrol pumps and gives a 1% waiver on fuel transactions worth Rs. 400 to Rs. 4,000 at HPCL pumps. The card also provides 2 discounts per month on movie tickets through BookMyShow.

Key features & benefits:

• Up to 3.5% savings on fuel transactions at HPCL petrol pumps.
• 2 discounts per month on movie tickets through BookMyShow.
• 1% waiver on fuel transactions worth Rs. 400 to Rs. 4,000 at HPCL pumps.
• 2 reward points on spending every Rs. 100 on retail.
• 1 reward point on spending every Rs. 100 on utility and insurance.
• Joining fee: Rs. 199 + GST.
• Renewal fee: Rs. 199 + GST; Waived on spends of Rs. 50,000 per year.

IndianOil RBL Bank XTRA  

This card offers 250 litres worth of free petrol annually as fuel points on monthly spends of Rs. 45,000, 3,000 fuel points as a joining benefit on shopping above Rs. 500 within 30 days of getting the card, and 1,000 fuel points on quarterly milestone spends above Rs. 75,000.

Key features & benefits:

• 250 litres worth of free petrol as fuel points, annually on monthly spends of Rs. 45,000.
• 3,000 fuel points as a joining benefit on shopping above Rs. 500 within 30 days of getting the card.
• 1,000 fuel points on quarterly milestone spends above Rs. 75,000.
• 7.5% valueback (as 15 fuel points) and 1% fuel surcharge waiver (up to Rs. 200 per month) at IndianOil fuel stations.
• Accelerated 15 fuel points (maximum 2000 fuel points per month) on spending every Rs. 100 at IndianOil fuel stations.
• 2 fuel points on spending every Rs. 100 on all other categories.
• 1 fuel point = Rs. 0.5 for purchasing XTRA reward points redeemable at IndianOil fuel stations.
• Joining fee: Rs. 1,500 + GST.
• Renewal fee: Rs. 1,500 + GST; Waived on spends of Rs. 2,75,000 per year.

Kotak Cashback+ Credit Card 

This fuel cashback credit card offers 3% cashback on all fuel spends, unlimited 0.5% cashback on other eligible spends, 1% fuel surcharge waiver, and much more. 

Key features & benefits:

• 5% cashback on online groceries, food deliveries, groceries, movie tickets and OTT subscriptions.
• 3% cashback on all fuel spends. 
• Unlimited 0.5% cashback on other eligible spends.
• 1% fuel surcharge waiver (maximum Rs. 3,500 in an anniversary year) on transactions between Rs. 500 and Rs. 4,000. 
• Joining fee: Rs. 750 + GST.
• Renewal fee: Rs. 750 + GST; Waived on annual retail spends of Rs. 2,00,000.

The benefits and features offered on a fuel credit card may differ from one lender to another. While some may offer only a fuel surcharge waiver, others may also earn you reward points on all spends and other benefits. Some common benefits that come with most fuel credit cards are:

• Reward points on fuel and non-fuel expenses
• Multiple reward points redemption options
• Cashback offers
• Fuel surcharge waiver
• Discounts and offers on dining
• Lounge access
• Movie offers
• Annual fee waiver
• Facility to make utility bill payments online
• Concierge service

Some common eligibility criteria for fuel credit cards in India are mentioned below:

• Age of primary applicant: The primary applicant must be aged between 18 to 70 years.
• Age of add-on cardholder: The add-on cardholder must be aged above 15 years.
• Nationality: The applicant should either be an Indian resident or a Non-Resident Indian (NRI).
• Credit score: The applicant must have a healthy credit score.
• Monthly income for salaried applicants: The minimum monthly income of the applicant should be above Rs. 10,00 per or more.
• Annual income for self-employed applicants: Annual income should be an ITR above Rs. 6 Lakhs per annum.

*The fuel credit card eligibility criteria mentioned above may differ from one lender to another and/or from one credit card to another.

The following documents are required to apply for a fuel credit card:

• A photocopy of the PAN card or Form 60
• Duly filled and signed application form along with a recent colour photograph.
• Income proof, such as the latest payslip, Form 16, income tax return, or bank statement, etc. 
• Residence proof, such as aadhaar card, passport, ration card, electricity bill, or landline telephone bill.
• Identity proof, such as passport, driving license, PAN card, or aadhaar card.

*The above-mentioned fuel credit card documents required list may differ from one lender to another and/or from one credit card to another.

You can apply for a fuel credit card online through our website or the official website of the card issuer. You can also apply for the card offline by visiting the nearest branch of the lender from which you want to avail of the card. You must fill out the application form and provide the required documents to get the fuel credit card and cut down on fuel expenses.

Currently, there are no lifetime free fuel credit cards. However, you can apply for the below-mentioned fuel cards that come with a minimal fee, which can be waived/ reversed on meeting a milestone spending threshold:

Here are some of the best credit card for petrol cashbacks:

1. BPCL SBI Card: 4.25% valueback on BPCL purchases.
2. IDFC FIRST Power Credit Card: 5% cashback (up
3. to Rs. 1,000) on the first EMI conversion.
4. IndianOil RBL Bank XTRA: 7.5% valueback (as 15 fuel points) and 1% fuel surcharge waiver (up to Rs. 200 per month) at IndianOil fuel stations.
5. Kotak Cashback+ Credit Card: 5% cashback on online groceries/ food deliveries/ groceries/ movie tickets/ OTT subscriptions, 3% cashback on all fuel spends, and unlimited 0.5% cashback on other eligible spends.

A cash back on fuel credit card works by providing users with direct statement credits, cash, or accelerated reward points (often equivalent to a 2% - 6.5% valueback) when they refuel, along with a 1% fuel surcharge waiver and partner brand-specific benefits.