Fuel Credit Cards: Earn Rewards on Fuel Spending

If fuel is one of your biggest monthly expenses, a fuel credit card can help you save more on every refill than a regular rewards card. Whether you drive daily or travel frequently, these cards offer fuel surcharge waivers, reward points, and cashback at partner fuel stations. Choose a card that matches your preferred fuel brand to maximize your savings every time you fill up.

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IndianOil Axis Bank RuPay Credit Card
A fuel-centric co-branded card offering up to 5% value back at IndianOil pumps (via reward points + surcharge waiver), plus rewards on grocery.
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Yes Bank BPCL Octane Card
A fuel-focused co-branded card delivering up to 7.25% value back at BPCL pumps (via 25× reward points + surcharge waiver), plus bonus points on dining, groceries, and entertainment.
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Credit Card
Bank of Baroda HPCL Energie Credit Card
HPCL-focused fuel savings and accelerated rewards.
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Credit Card
ICICI HPCL Super Saver Card
High fuel cashback plus utility and grocery rewards with occasional lounge access.
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Credit Card
AU Altura Plus Credit Card
The AU Altura Plus Credit Card provides 1.5% cashback on POS retail spends, capped at ₹100 per statement cycle. Online transactions earn 2x reward points, and retail spends beyond the cashback cap earn 1 reward point per ₹100.
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Credit Card
IDFC FIRST Bank Power+ Credit Card
The IDFC FIRST Bank Power+ Credit Card Offers Up To 6.5% Savings On HPCL Fuel Purchases, Translating To Annual Savings Of Approximately ₹18,500. Cardholders Earn 5% Rewards On Groceries, Utilities, And FASTag Recharges, And 3X Reward Points On Other Retail Spends.
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Indian Oil HDFC Bank Credit Card
Earn free fuel yearly with 5% rewards at IndianOil.
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Credit Card
BPCL SBI Credit Card
Straightforward fuel rewards card offering strong returns at BPCL pumps, plus everyday bonus rates on groceries and dining.
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Credit Card
BPCL SBI Octane Credit Card
A higher-fee, higher-reward fuel card for serious drivers, pushing BPCL fuel returns well beyond the base BPCL card.
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Credit Card
Union UNI-CARBON Credit Card
HPCL co-branded fuel card returning up to 4% cashback plus payback points at the pump.
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Credit Card
ICICI Bank HPCL Coral Credit Card
Low-fee fuel card offering cashback and dining discount benefits.
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Credit Card
IndianOil Axis Bank Premium Credit Card
Fuel-focused card earning 6X miles at IndianOil outlets plus grocery rewards and quarterly lounge access.
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Credit Card
IndusInd Bank Jio-bp Mobility+ Credit Card
Fuel co-brand card earning up to 4% back at Jio-bp stations with roadside assistance included.
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Credit Card
IndianOil RBL Bank Credit Card
An entry-level IndianOil card offering up to 6% value back at eligible IOCL fuel stations.
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Credit Card
IndianOil RBL Bank XTRA Credit Card
The higher-tier IndianOil card with up to 8.5% fuel value back and a quarterly spend milestone.
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Best fuel credit cards in India - Save more every time you refuel

Fuel prices continue to fluctuate, but your monthly fuel bill doesn't have to. Whether you commute daily, travel long distances, or manage multiple vehicles, the right fuel credit card helps reduce your expenses through cashback, fuel surcharge waivers, and reward points. Instead of paying full price every time you visit the pump, compare the best fuel card options that reward every litre you fill.

•  12+ live fuel card options vetted  •  Petrol, diesel & everyday driving  •  100% transparent analysis, zero bank-sponsored fluff

Metric Value Detail
Fuel savings Up to 7.5% value back Cashback & reward points
Fuel surcharge waiver Up to 1% waiver BPCL, IndianOil & HPCL
Annual fee ₹0–₹1,500 Lifetime free to premium
Cards vetted 12+ live options Compared across 8+ issuers

Top fuel cards at a glance

Finding the best fuel card shouldn't mean comparing dozens of reward charts. This quick snapshot highlights the cards that deliver the strongest fuel savings, cashback, and partner benefits. Tap any card name to explore its detailed review, eligibility, annual fee, and fuel rewards.

Card name Best for Fuel benefit Annual fee Fuel partner
SBI BPCL Octane Heavy fuel users Up to 7.25% value back ₹1,499* BPCL
SBI BPCL Card Everyday commuters Up to 4.25% value back ₹499* BPCL
IndianOil HDFC Bank Credit Card IndianOil users Fuel points + surcharge waiver ₹500 IndianOil
ICICI HPCL Super Saver Mixed spending Fuel + grocery rewards ₹500 HPCL
IDFC FIRST Power+ Daily driving Fuel cashback ₹499 HPCL

*Annual fee may be waived after meeting the issuer's annual spending requirement.

Co-branded fuel cards vs cashback cards

Most people assume every petrol credit card offers the same benefits. The truth is, co-branded fuel cards and cashback cards reward fuel expenditure in totally different ways. Which one to choose depends on how often you drive and where you fuel up.

Co-branded fuel credit cards - Best for drivers who regularly refuel at the same petrol pump network.

  • Higher fuel rewards and cashback
  • Fuel surcharge waivers
  • Exclusive offers at BPCL, IndianOil, or HPCL outlets
  • Keep in mind: The biggest savings are usually limited to the partner fuel station.

Cashback fuel cards -Best for users who refuel at different petrol pumps and want rewards beyond fuel.

  • Cashback across fuel and everyday spending
  • More flexibility across multiple fuel stations
  • Rewards on groceries, shopping, and utility bills
  • Keep in mind: These generally yield fewer fuel-specific rewards, but if you use them for a variety of purchases, the total reward may be more useful.

The fuel surcharge waiver myth

The biggest selling point of most fuel credit cards is the 1% fuel surcharge waiver. While it's a useful benefit, it isn't where the biggest savings come from. The real value comes from combining multiple benefits on every fuel transaction.

Benefit What you save
Fuel surcharge waiver Up to 1%
Fuel reward points Extra value on every refill
Cashback Direct savings on fuel purchases
Partner bonuses Higher rewards at selected fuel stations
Milestone rewards Bonus vouchers and additional benefits
Don't select a card for one attribute alone; consider the card's overall worth over the course of a year.

Fuel benefits that actually matter

The best fuel card will reward more than just petrol purchases.

  • Fuel cashback: Collect cashback for eligible fuel purchases.
  • Reward points: Earn credit card reward points that can be used for vouchers, travel, or statement credit.
  • Fuel surcharge waiver: Up to 1% off eligible fuel payments.
  • Partner rewards: Extra discounts at BPCL, IndianOil, and HPCL outlets.
  • Everyday rewards: A few cards also reward groceries, bill payments, and dining, so they're handy outside of driving too.

5 Things to check before choosing a fuel credit card

  1. Consider overall fuel savings rather than just the surcharge waiver.
  2. Check the monthly maximum cashback/rewards before applying.
  3. Select a card that matches the fuel station you use the most.
  4. Be sure the annual fee makes sense in terms of the fuel you use annually.
  5. Seek other incentives for regular spending, in addition to fuel.

Frequently Asked Questions

Q1. Which is the best fuel credit card in India?

The best fuel credit card in India depends on your preferred fuel station. BPCL, IndianOil, and HPCL users all have dedicated cards offering higher benefits.

Q2. Do fuel credit cards offer a fuel surcharge waiver?

Yes. Most fuel credit cards provide up to a 1% fuel surcharge waiver on eligible transactions, subject to the issuer's terms.

Q3. Can I earn reward points on fuel purchases?

Yes. Many petrol credit card options offer reward points or cashback in addition to surcharge waivers.

Q4. Are lifetime-free fuel cards worth it?

A free fuel credit card is a great option for moderate fuel spenders who want savings without paying an annual fee.

Q5. Which banks offer the best fuel cards?

Popular choices include the SBI fuel card, HDFC fuel card, ICICI fuel card, BPCL credit card, and IndianOil credit card, each offering different fuel rewards and benefits.