Best Fuel Credit Cards to Save on Every Fuel Purchase

Fuel credit cards help you save on every fuel purchase while offering additional benefits. They provide cashback, reward points, and surcharge waivers, making them ideal for frequent commuters.

These cards offer up to 8.5% savings on fuel through reward points and cashback. Many also include a 1% fuel surcharge waiver, reducing extra costs. Some provide bonus rewards on initial transactions, further maximising savings. Additional perks may include discounts on groceries, bill payments, and online spending. By choosing the right fuel credit card, users can lower fuel expenses, earn rewards on daily purchases, and enjoy seamless redemption options for fuel credits.

Best Fuel Credit Cards in India 2025

Credit Card 

Joining Fee 

Annual Fee 

BPCL SBI Credit Card 

Rs.499 plus taxes 

Rs.499 

BPCL SBI Card Octane 

Rs.1,499 plus GST 

Rs.1,499 plus GST (Waived off on spending Rs.2 lakh or more annually) 

IndianOil RBL Bank XTRA Credit Card 

Rs.1,500 plus GST 

Rs.1,500 (Waived off on spending Rs.2.75 lakh annually) 

IndianOil Axis Bank Premium Credit Card 

Rs.1,000 plus GST 

Waived off on spending Rs.1 lakh or more 

IndianOil Axis Bank Credit Card 

Rs.500 

Rs.500 second year onwards 

Indian Oil Kotak Credit Card 

Rs.449 

Rs.449 (waived off on spending Rs.50,000 in the previous year.) 

HPCL BoB Energie Credit Card 

Rs.499 

Waived off on spending Rs.50,000 in an anniversary year 

IndianOil HDFC Bank Credit Card 

Rs.500 plus GST 

Rs.500 plus GST 

ICICI HPCL Coral Credit Card 

Rs.199 plus GST 

Rs.199 plus GST 

ICICI HPCL Super Saver Credit Card 

Rs.500 plus GST 

Rs.500 plus GST 

IDFC First HPCL Power Credit Card 

Rs.199 plus GST 

Rs.199 

IDFC FIRST Power+ Credit Card 

Rs.499 plus GST 

Rs.499 

We found 2 Credit Cards

Filter

Bank

1st Year Fee

₹499₹500
  • First year fee upto:

    ₹499

Card Fee Type

Card Network

Mega Savings On Petrol

  • BPCL SBI Card

    1st year fee

    :  

    ₹ 499

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50 L Free Fuel Every Year

  • IndianOil HDFC Bank Credit Card

    1st year fee

    :  

    ₹ 500

    ₹ 0

    *See details

See More
Updated On - 08 Oct 2025
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Key Features and benefits of Fuel Credit Cards

The table below highlights the key benefits such as value-back rewards and fuel surcharge waivers of the best fuel credit cards:

Credit Card 

Fuel Savings & Key Benefits 

BPCL SBI Credit Card 

  1. Earn 4.25% value back on BPCL fuel spends with 13X Reward Points.
  2. Get 2,000 bonus Reward Points (worth Rs.500) on paying the joining fee.
  3. 1% fuel surcharge waiver on BPCL spends up to Rs.4,000 per transaction
  4. Redeem reward points instantly for fuel at BPCL outlets.
  5. Save up to Rs.1,200 annually with a max Rs.100 surcharge waiver per billing cycle. 

BPCL SBI Card Octane 

  1. Up to 7.25% savings on BPCL fuel(25Xreward points on fuel purchase up to maximum of 2000 reward points in billing cycle).
  2. 25reward points per Rs.100 spent at BPCL fuel stations, lubricants, and Bharat Gas (website/app only). This is capped at 500 points per month.
  3. 1% fuel surcharge waiver (up to Rs.100 per month). 

IndianOil RBL Bank XTRA Credit Card 

  1. On monthly spend of Rs.45,000, the card offers250litresof free petrol per year as fuel points.
  2. Up to 8.5% savings onIndianOilfuel.
  3. Reward redemption: 1 Fuel Point is equal to Rs.0.50 and 1 XTRAREWARD Point equals to Rs.0.30.
  4. Earn 3,000 Fuel Points by making your first transaction of Rs.500 or more within30 days of receiving the card.
  5. 1000 Fuel Points offered on exceeding quarterly milestone Rs.75,000. 

IndianOil Axis Bank Premium Credit Card 

  1. Earn 6X EDGE Reward Points for every Rs.150 spent atIndianOiloutlets.
  2. 1% unlimited Fuel Surcharge Waiver on fuel transactions at Indian Oil outlets.
  3. Get 500 EDGE MILES on your first spend within 30 days of card issuance. 

IndianOil Axis Bank Credit Card 

  1. Up to 5% savings on Indian Oil fuel1% fuel surcharge waiver (up to Rs.50 per month).
  2. Earn1250 EDGE reward points matching your first fuel spend (up to Rs.250) within 30 days of card issuance.
  3. Get 4% back as 20 EDGE reward points per Rs.100 on fuel purchases between Rs.400 and Rs.4,000 at IOCL outlets, capped at 1,000 points per month. Each EDGE reward point is worth Rs.0.20. 

IndianOil Kotak Credit Card 

  1. Up to 5% savings on Indian Oil fuel
  2. 24 reward points per Rs.150 spent on IOCL purchases (capped at 1,200 points per month).
  3. 1% fuel surcharge waiver on fuel spends between Rs.100 to Rs.5,000 (capped at Rs.100 per month).

HPCL BOB Energie Credit Card 

  1. 5% Savings on fuel purchases at LPG and HPCL retail outlets.
  2. 1.5% cashback on fuel purchase through HP Pay app.
  3. 1% fuel surcharge waiver for transactions between Rs.400 and Rs.5,000 at HPCL fuel stations.
  4. 500 bonus Reward Points for spending Rs.5,000 within the first 60 days.

Indian Oil HDFC Bank Credit Card 

  1. 5% back as Fuel Points on IOCL fuel purchases.
  2. Complimentary Indian Oil XTRARE WARDS membership.
  3. 1% fuel surcharge waiver (up to Rs.250 per month, for transactions of at leastRs.400).
  4. Earn Fuel Points worth 5% on spends at Indian Oil outlets, as well as on groceries and bill payment sand 1 Fuel Points on all other transactions.
  5. Fuel Points can be redeemed at a rate of Rs.0.20 per point as a statement credit or Rs.0.96 per point when converted into XtraRewards Points.

ICICI HPCL Coral Credit Card 

  1. Up to 3.5% savings on HPCL fuel.
  2. 2.5% cashback on HPCL fuel (capped at Rs.100 per month).
  3. 1% fuel surcharge waiver.

ICICI HPCL Super Saver Credit Card 

  1. Up to 5% savings on HPCL fuel spends on HPCL petrol pumps and on HP Pay app.
  2. 4% cashback on HPCL fuel (capped at Rs.200 per month) Earn anadditional1.5% savings as 6 reward points per Rs.100 spent at HPCL fuel outlets via the HP Pay app.
  3. 1% fuel surcharge waiver applicable across all fuel spends. 

IDFC FIRST HPCL Power Credit Card 

  1. Earn up to 5% savings on fuel expenses
  2. Get Rs.250 cashback on your first HPCL fuel transaction of Rs.250 or more within30 days of card issuance.
  3. Get welcome benefit worth Rs.2250 

IDFC FIRST Power+ Credit Card 

  1. Up to 6.5% savings on HPCL fuel
  2. 5% back as 30 reward points per Rs.150 spent on HPCL fuel and LPG.
  3. Additional 6 Happy Coins per Rs.100 spent on HP Pay app (1.5%additionalsavings).
  4. Get Rs.500 cashback on your first HPCL spend of at least Rs.500 within 30 days of card activation 
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What is a Fuel Credit Card?

A Fuel Credit card is being offered by banks to customers in a bid to provide them with maximum benefits while purchasing fuel. Having this card enables those who constantly buy fuel for various purposes to lower their expenditure on fuel. Apart from that, it enables the users of Fuel Credit cards to use it for other benefits with regard to lifestyle.

How to Apply for a Fuel Credit Card?

An individual can apply for a Fuel Credit card by visiting the nearest branch of the bank from which he/she wants to avail of the card or apply online. The applicant needs to fill out the application form and provide the documents asked for to get himself/herself the Fuel Credit card and cut down on fuel expenses.

Who Are Eligible to Apply for a Fuel Credit Card?

The eligibility to apply for a fuel credit card seems to vary from bank to bank. However, some of the common eligibility norms that an applicant needs to fulfil are:

  1. Need to have a good credit score.
  2. Need to fulfil the minimum age and income bracket as prescribed by the bank.

Note: The eligibility criteria may vary depending on the bank policy. 

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Benefits of Fuel Credit Cards

With many banks and financial institutions offering credit cards, the benefits that come with Fuel Credit cards differ. Apart from lowering the expenses with regard to purchasing fuel, some other benefits that come with Fuel Credit cards are as follows:

  1. Get Reward Points
  2. Redemption of points earned
  3. Eligible for Cashback
  4. Eligible for Surcharge Waiver
  5. Dining offers
  6. BookMyShow Offer
  7. Eligible for Turbo Points
  8. Waiver of Annual Fees
  9. Can make utility bill payments
  10. Eligible for Telecom benefits
  11. Concierge Service

How to Choose the Best Fuel Credit Card in 2025?

The factors that you must consider before selecting fuel credit card are mentioned in the table below: 

Savings 

When you look for a fuel credit card, you should see how much you will end up saving on your fuel transactions. 

Participating Oil Companies 

This is one of the most important things that you should look at when you are looking for a fuel credit card. You should check if the benefits are offered at particular petrol pumps owned by a certain Oil Company or at all the petrol pumps across the country. 

Surcharge Waiver 

Figure out if you will receive a fuel surcharge waiver on your fuel spends or not. 

Spend Limits 

Make sure the spending limit to avail benefits is not very high. 

Annual Fee 

Check the annual fee of the credit card that you plan to purchase. Some cards offer you an annual fee waiver when you spend a certain amount of money using your card in a year. 

Redemption Process 

Check out the redemption process of the credit card you plan to purchase. See if it offers instant redemption or not. Most cards offer instant redemption of points at petrol pumps. 

Credit card payment pattern 

When choosing the best fuel credit card, the most important thing is to identify the pattern of payment. The individual must look for a card that offers fuel benefits as well as the best interest rates. 

Fuel spending pattern 

The individual needs to analyse his/her expenses and decide on the monthly budget that would be spent on fuel. This is quite important as availing a fuel credit card without analyzing this would not serve the purpose. 

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Why opt For a Fuel Credit Card?

The reasons for opting for fuel credit cards are given below: 

Fuel Savings 

  1. Save 1 to 2.5% via fuel surcharge waivers on fuel purchases. 
  1. It helps in cutting down fuel costs by additional cashback. 
  1. Ideal for frequent drivers and long road trips. 
  1. Compare cards to pick one with maximum savings on preferred fuel stations. 

Reward Points 

  1. Offers reward points on every fuel transaction. 
  1. Reward points can be redeemed for fuel, cashback, vouchers, or travel perks. 
  1. Some cards offer bonus points at specific fuel stations. 

Expense Management 

  1. No need for cash or multiple cards for fuel bill payments. 
  1. Easier to track and control fuel spending. 
  1. Look for cards with easy account access and mobile app support. 

Complimentary Benefits 

  1. Offers some additional benefits, such as roadside assistance, travel insurance, and hotel or dining discounts. 
  1. Great value-adds for frequent travelers that benefit that fit your lifestyle. 

Secure Transactions

  1. Fuel credit cards come with chip protection, two-factor authentication, and fraud monitoring. 
  1. Ensures safe and secure payments while travelling

Fuel credit cards with Cashback offers

Cashback is one of the attractive and rewarding offers provided on fuel credit cards. In the time of rising petrol and diesel prices, having one fuel credit card with a cashback feature is a saviour. You can receive the hiked petrol or diesel price as cashback by using a fuel credit card with a cashback feature.

Fuel credit cards also offer fuel surcharge waivers and accelerated reward points on fuel purchases which can be exchanged for both rewards and fuel purchases.

FAQs on Fuel Credit Card

  • Can I pay for fuel using my credit card?

    Yes, use your credit card like your debit card and you have to charge only what you can pay at the end of the month.

  • How can I get a fuel card?

    You will have to apply for a Fuel Credit card by visiting your bank branch from which you want to avail a card.

  • What is a petrol card and how can I use it?

    A fuel card is a payment card which can be used for the purchase of petrol and diesel at pumps.

  • Should I get a fuel card?

    A fuel card can be used for expenses and maintenance of vehicles. This card will come in handy as they allow you to manage and regulate your fuel expenses which are incurred, and you can stay informed about your business and personal related expenses.

  • Is there an eligibility criterion to apply for a fuel credit card?

    The primary eligibility criteria to apply for the card is that the applicant must be a citizen of India and must be above the age of 18. Along with this, the credit score of the applicant plays a major role and should have a stable income.

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