• Fuel Credit Card

    With the fluctuating prices of fuel in the world, it is necessary to save whenever possible. Many top banks and lenders in the country are offering fuel credit cards which help you save more on all your fuel purchases. The annual fee of these credit cards ranges from zero to Rs.1,000 along with an interest rate ranging from 3.25% per month to 3.40% per month. Apart from offers and benefits on your fuel expenses, these cards also provide a wide range of offers in other categories such as entertainment, dining and shopping as well.

    Top Fuel Credit Cards in India - 2021

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    We found 5 Fuel Credit Cards
    PA PL OTP
    IndianOil Citi Platinum Card Indianoil Citibank Platinum Card - Apply Online 4.5 Apply Now Reduced to 0 if annual spends > 30,000 1000
    • 71L FREE petrol every year
    Rewards
    • Fuel at IndianOil outlets: 150 = 4 turbo points
    • Groceries/supermarkets: 150 = 2 turbo points
    • Others: 150 = 1 turbo point
    • 1 turbo point = Fuel worth Re. 1
    Joining Perks
    • No joining perks
    Fee Details
    • 1st Year - 1,000.Waived if annual spends > 30,000
    • 2nd Year Onwards - 1,000.Waived if annual spends > 30,000
    • APR - 39% per annum
    What you'll love
    • 71 litres of FREE petrol based on spends = 5,396 (approx.) annual savings. Calculation is based on price of petrol in Mumbai as of April 2020
    • 4 turbo points on every 150 spent at Indian Oil petrol stations. Turbo points can be exchanged for free fuel
    You'll also love
    • Complete waiver of the 1% fuel surcharge at authorised IndianOil outlets
    • Save on annual fees by spending just 30,000 every year
    Think about
    Documents
    • KYC - PAN, address proof and ID proof
    • Photograph, salary slip/form 16
    Kotak Royale Signature Credit Card Apply for Kotak Royale Signature Credit CardOnline 4.5 Apply Now 0
    • 4x rewards on travel, hotels and dining
    Rewards
    • Up to 4X points/ 150 spent
    Joining Perks
    • No joining perks
    Fee Details
    • 1st Year - 0
    • 2nd Year Onwards - 999.Waived on annual spends > 1 lakh
    • APR - 37.2% per annum
    What you'll love
    • 4X reward points on special categories - hotels, restaurants, travel agencies & tour operators, package tour operators, airlines, air carriers & international spends
    • Free lounge access at airports in India
    You'll also love
    • Up to 30,000 reward points on annual retail spends of 8 lakhs
    • Fuel-surcharge waiver, railway-surcharge waiver for bookings via via IRCTC website & Indian Railways booking counters, and more
    Documents
    • KYC - PAN, address proof and ID proof
    • Photograph, salary slip/other bank Credit Card statement
    PAPERLESS
    HDFC Bank Moneyback Card Apply for HDFC Moneyback Credit Card 4.5 Apply Now Reduced to 0 If an HDFC Current/Savings Account is present/opened within 3 months of card approval 500
    • 4 reward points on online shopping
    Rewards
    • Online shopping: 4 points/ 150
    • Others: 2 points/ 150
    Joining Perks
    • 500 points
    Fee Details
    • 1st Year - 500.Waived if an HDFC Current/Savings Account is present/opened within 3 months of card approval
    • 2nd Year Onwards - 500.Waived if annual spends > 50,000 or an HDFC Current/Savings Account is present/opened
    • APR - 40.8% per annum
    What you'll love
    • Redeem reward points as cash back against your outstanding amount. 100 points = 20. Minium redeemable amount is 500
    • Milestone perk - Spend 50,000 in a quarter and get an e-gift voucher worth 500
    You'll also love
    • 100% fuel-surcharge waiver, up to 250 per billing cycle
    • Zero liability on lost card if reported immediately
    Documents
    • KYC - PAN, address proof and ID proof
    • Photograph, salary slip/form 16
    PAPERLESS
    Rewards
    • Online spends: 150 = 4 points
    • Others (except fuel): 150 = 2 points
    Joining Perks
    • No joining perks
    Fee Details
    • 1st Year - 500
    • 2nd Year Onwards - 500.Waived if annual spends > 50,000
    What you'll love
    • 5% cashback on telecom, electricity, government/tax, railway, hotels & dining, and taxi spends
    • 5x points on fuel spends. Max. 1,000 reward points every calendar month, valid for the 1st year only
    You'll also love
    • 2,500 points on annual spends of 1,80,000+ every anniversary year
    • Redeem reward points as cash back against your outstanding amount. 100 points = 20
    • Fuel-surcharge waiver, up to 250 per billing cycle
    Documents
    • Income proof, address proof, ID proof
    PAPERLESS
    IndianOil HDFC Bank Credit Card IndianOil HDFC Bank Credit Card Apply Now Reduced to 0 On completing 2 transactions in a month for first 3 consecutive months or spending 20,000 in 90 days 500
    • 50L FREE fuel every year
    Rewards
    • 5% of spends at IndianOil petrol pumps, groceries & bill payments as fuel points
    • Others: 1 fuel point/ 150 spent
    Joining Perks
    • No joining perks
    Fee Details
    • 1st Year - 500.Waived on completing 2 transactions in a month for first 3 consecutive months or spending 20,000 in 90 days
    • 2nd Year Onwards - 500.Waived if annual spends > 50,000
    • Lifetime FREE on SmartPay registration within 90 days of card setup
    What you'll love
    • Up to 50 litres of FREE fuel in a year
    • Lifetime FREE if you register with SmartPay, excluding prepaid mobile/OneAssist, within 90 days of card setup
    You'll also love
    • Up to 250 fuel points per month on spends at IndianOil fuel outlets for first 6 months. 150 fuel points post six months.
    • Max. 100 fuel points each per month on grocery spends and bill payments
    • Fuel points are valid for 2 years from accumulation date. For example, if fuel points are received in October 2019, they will expire in October 2021
    • 1% fuel-surcharge waiver on minimum fuel transactions of 400. Capped at 250 per statement cycle
    Documents
    • KYC - PAN, address proof and ID proof
    • Photograph

    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 benefit while purchasing fuel. Having this card enables those who constantly buy fuel for various purposes to lower the expenditure on fuel. Apart from that, it enables the users of Fuel Credit card to use it for other benefits with regards to lifestyle.

    All About Fuel Credit Cards

    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 the card or apply online. The applicant needs to fill the application form and provide the documents asked for to get himself/herself the Fuel Credit card and cut down on the 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 fulfill are:

    • Need to have a good credit score.
    • Need to fulfill the minimum age and income bracket as prescribed by the bank.

    How To Choose The Best Fuel Credit Card?

    Credit card payment pattern While 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 best interest rates.
    Fuel spending pattern The individual needs analyze 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.
    Fees and charges Considering the fees and charges associated with the fuel credit card that one intends to get also needs to be assessed prior to availing the card. If this is not done, the benefits and discounts that come with fuel credit cards may be negated by virtue of paying high fees and charges that are associated with the card.
    Check the redemption process of the card It is better to check the redemption process of the fuel credit card. It is better to get those cards which offer instant redemption of points.
    fuel credit cards
    Fuel Credit Cards

    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 regards to purchasing fuel, some other benefits that come with Fuel Credit cards are as follows:

    • Get Reward Points
    • Redemption of points earned
    • Eligible for Cashback
    • Eligible for Surcharge Waiver
    • Dining offers
    • BookMyShow Offer
    • Eligible for Turbo Points
    • Waiver of Annual Fees
    • Can make utility bill payments
    • Eligible for Telecom benefits
    • Concierge Service

    Also Know 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 cashback feature is a saviour. You can receive the hiked petrol or diesel price as cashback by using a fuel credit card with cashback feature. Fuel credit cards also offer fuel surcharge waiver and accelerated reward points on fuel purchase which can be exchanged for both rewards and fuel purchases. One fuel credit card multiple savings, isn’t it sounds amazing? Of course, yes.

    Features Of Fuel Credit Cards

    Just like other credit cards, Fuel Credit cards also come with a lot of features. Some of the features that come with Fuel Credit cards which banks provide are as follows:

    Fuel Credit Card Features
    HDFC Bharat Cashback Credit Card 5% cashback on fuel purchases. No minimum transaction required but the maximum cashback is capped at Rs.150 per month.
    HDFC Bharat Credit Card 5% cashback on fuel purchases. No minimum transaction required but the maximum cashback is capped at Rs.150 per month.
    ICICI Bank HPCL Coral Amex credit card 2.5% cashback on fuel purchases made at Hindustan Petrol pumps. The minimum transaction value should be Rs.500 and maximum cashback is capped at Rs.100 per month.
    ICICI Bank HPCL Coral Visa/MasterCard 2.5% cashback on fuel purchases made at Hindustan Petrol pumps. The minimum transaction value should be Rs.500 and maximum cashback is capped at Rs.100 per month.
    ICICI Bank HPCL Platinum Credit Card 2.5% cashback on fuel purchases made at Hindustan Petrol pumps. The minimum transaction value should be Rs.500 and maximum cashback is capped at Rs.100 per month.
    Standard Chartered Titanium Credit Card 5% cashback on fuel spends at all petrol pumps. The minimum transaction should be Rs.750 and maximum discount is capped at Rs.250 per month

    Why Opt For A Fuel Credit Card?

    When most credit cards that are existing in the market offer fuel benefits to individuals, the question emerges as to why one should opt for a Fuel Credit card. The answer to this question is that Fuel Credit cards are specially designed to save money every time an individual refills his vehicle with fuel. With petrol and diesel prices on the rise, Fuel Credit card can enable an individual to cut down on the expenses that go into buying fuel.

    Factors to Consider While Selecting the Best Fuel Credit Card:

    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 fuel surcharge waiver on your fuel spends or not.
    Spend Limits Make sure the spend 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.

    Top Fuel Credit Cards

    Indian Oil Citi Platinum Credit Card

    This Indian Oil Citi Platinum Credit Card helps customers earn a maximum of 71 litres of free fuel. It comes with an amazing rewards program that helps customers save a lot of money on their fuel transactions.

    • Turbo Points: Cardholders receive the following amount of Turbo Points when they spend money using this card:
      • 4 Turbo Points for every Rs.150 spent on fuel at Indian Oil outlets in India.
      • 2 Turbo Points for every Rs.150 spent at supermarkets and on grocery.
      • 1 Turbo Point for every Rs.150 spent on other things such as dining, shopping, etc.
      • 4X Turbo Points on every Rs.150 spent at featured partner store.
    • Redemption: 1 Turbo Points can be redeemed for fuel worth Rs.1.
    • Annual Fee Waiver: Cardholders do not have to pay any annual fee, if they spend a minimum of Rs.30,000 annually.
    • Concierge Service: Citibank offers concierge service exclusively to all its Indian Oil Citi Platinum Credit cardholders.

    Indian Oil Citi Titanium Credit Card

    This Indian Oil Citi Titanium Credit Card helps customers save more than 5% on their fuel bills and earn up to 71 litres of free fuel.

    Benefits

    • Turbo Points: Cardholders receive the following amount of Turbo Points when they spend money using this card:
    • 4 Turbo Points for every Rs.150 spent on fuel at Indian Oil outlets in India.
    • 2 Turbo Points for every Rs.150 spent at supermarkets and on grocery.
    • 1 Turbo Point for every Rs.150 spent on other things such as dining, shopping, etc.
    • 4X Turbo Points on every Rs.150 spent at featured partner store.

    Standard Chartered Super Value Titanium Credit Card

    • Joining fee: Rs.750
    • Renewal Fee: Rs.750
    • Add-on card: NIL

    This Standard Chartered Super Value Titanium Credit Card offers a cashback of 5% on the fuel transactions that you make at any petrol pump in India.

    • Redemption: 1 Turbo Points can be redeemed for fuel worth Rs.1.
    • Utility Bill Payment: Cardholders can pay their utility bills easily using this card.
    • Annual Fee Waiver: Cardholders do not have to pay any annual fee if they spend a minimum of Rs.30,000 annually.
    • Surcharge Waiver: Enjoy 2.5% fuel surcharge waiver when you spend on fuel at Indian Oil outlets.

    Benefits

    • Cashback Offer: Earn cashback of 5% and 2.5% on fuel spends.
    • Surcharge Waiver: Enjoy 2.5% fuel surcharge reversal on the amount you spend at any petrol pump.
    • Telecom Benefits: Earn cashback of 5% on telecom related bill payments.
    • Utility Payment: Use this card to pay utility bills and earn 5% cashback.

    ICICI Bank HPCL Coral VISA/MasterCard Credit Card

    • Joining fee: Rs.199
    • Renewal Fee: Rs.199
    • Add-on card: NIL

    This ICICI HPCL Coral Visa Credit Card is popular for its cashback offers, accelerated rewards points and fuel surcharge waiver. The points earned on this card can be redeemed for fuel at any HPCL petrol pump.

    Benefits

    • Rewards Points: Get 5 PAYBACK Points for every Rs.100 that you spend on fuel at any HPCL petrol pump.
    • Redemption: Get Rs.500 worth fuel on redemption of 2,000 PAYBACK Points.
    • Cashback Offer: Earn cashback of 2.5% on fuel transactions made at HPCL petrol pumps.
    • Surcharge Waiver: Enjoy 2.5% fuel surcharge waiver at HPCL petrol pumps.
    • BookMyShow Offer: Avail discount of Rs.100 on a maximum of 2 movie tickets every month.
    • Dining Offer: Save a minimum of 15% on dining through the Culinary Treats Program.

    ICICI Bank HPCL Coral American Express Credit Card

    • Joining fee: Rs.199
    • Renewal Fee: Rs.199
    • Add-on card: NIL

    This ICICI HPCL Coral AMEX Credit Card helps customers earn points on every fuel transaction that they make. It is easy to avail and cardholders can make use of the various offers that this card provides.

    Benefits

    • Rewards Points: Get 3X or 6 PAYBACK Points for every Rs.100 that you spend on fuel at any HPCL petrol pump.
    • Redemption: Get Rs.500 worth fuel on redemption of 2,000 PAYBACK Points.
    • Cashback Offer: Earn cashback of 2.5% on fuel transactions made at HPCL petrol pumps.
    • Surcharge Waiver: Enjoy 2.5% fuel surcharge waiver at HPCL petrol pumps.
    • BookMyShow Offer: Avail discount of Rs.100 on a maximum of 2 movie tickets every month.
    • Dining Offer: Save a minimum of 15% on dining through the Culinary Treats Program.

    ICICI Bank HPCL Platinum Credit Card

    This ICICI HPCL Platinum Credit Card not only reduces the fuel bills of the customers, but also helps them save money through its annual fee waiver option.

    • Joining fee: Rs.199

    Benefits

    • Rewards Points:
      • Get 2.5X accelerated reward points for every Rs.100 that you spend.
      • Earn 5 PAYBACK points on fuel spends at any HPCL petrol pumps.
      • Avail 2 PAYBACK points for all other spends.
    • Redemption: Get Rs.500 worth fuel on redemption of 2,000 PAYBACK Points.
    • Annual Fee Waiver : Spend a minimum of Rs.50,000 in a year using this card and the bank will refund the annual fee for that particular year.
    • Cashback Offer: Earn cashback of up to Rs.100 on fuel transactions made at HPCL petrol pumps.
    • Surcharge Waiver: Enjoy 2.5% fuel surcharge waiver when you spend a maximum of Rs.4,000 on fuel at HPCL petrol pumps.

    Air India SBI Signature Credit Card

    • Joining fee: Rs.4,999
    • Renewal Fee: Rs.4,999
    • Add-on card: NIL
    • Reward Points:
      • 20,000 reward points as a welcome gift within 15 days of paying the annual fee
      • Get 5,000 reward points as an anniversary gift on an annual basis using SBI Air India Signature Credit Card
      • 10 reward points every time you spend Rs.100 on a SuperSaver booklet purchase
      • Up to 30 reward points every time your expenses touch Rs.100 on Air India tickets. These tickets will have to be booked via the website, airindia.com or through the Airindia mobile app
      • Bonus reward points:
        Annual Retail Spend Bonus Reward Points Cumulative Bonus Reward Points
        Rs.5 lakh 20,000 20,000
        Rs.10 lakh 30,000 50,000
        Rs.20 lakh 50,000 1,00,000

    Benefits

    • Railway ticket Benefits: Book railway tickets online with this card and your tickets will be delivered at your doorstep
    • Airport and lounge Benefits: Get 8 free visits every year to domestic VISA airport lounges in the country (A maximum of 2 visits in every quarter)
    • Fuel Benefits: 1% fuel surcharge waiver at all pumps in India (purchase amount should be between Rs.500 and Rs.4,000)
    • Flexipay Benefits: Make a purchase of Rs.2,500 and more. Then, log on to the website, sbicard.com within 30 days of the transaction and convert the amount into an EMI
    • Lost Card Liability Cover: Lost card liability cover of Rs.1 lakh

    Yes First Preferred Credit Card

    • Joining fee: Rs.2,499
    • Renewal Fee: Rs.2,499
    • Reward Points
      • 10,000 reward points when you make your first transaction within 90 days of your card being issued
      • 7,500 reward points every time you renew your YES First Preferred Credit Card
      • 20,000 bonus reward points when you spend Rs.7.5 lakh and more during the anniversary year
      • 16 reward points for every Rs.200 spent on tour operators, travel agencies dining and domestic airlines
      • Earn 8 reward points every time you spend Rs.200 on other shopping categories
      • 1,000 reward points on every YES PayNow registration made

    Benefits

    • MasterCard World Golf Benefits:
      • 4 free rounds of green fees during every calendar year at a few golf courses in the country
      • One free golf lesson every month at select golf courses
    • Priority Pass Membership and MasterCard Lounge Benefits:
      • Free Priority Pass Membership:
      • 4 free international lounge visits in every calendar year for all Primary Card members
    • Insurance Benefits:
      • Get a life insurance cover of Rs.1 Cr for death caused by flight accidents
      • Medical insurance worth Rs.25 lakh for all emergency hospitalisations when you travel overseas
    • Entertainment Benefits: Get a 25% discount on your movie tickets through the BookMyShow website and the mobile app
    • Fuel Benefits: Get a 1% fuel surcharge waiver when spend between Rs.400 and Rs.5,000 at all fuel bunks in India

    Bank of Baroda Prime Credit Card

    Benefits

    • Fuel Benefits: Get a waiver of 1% fuel surcharge for fuel transactions between Rs.400 and Rs.5,000
    • EMI Benefits: You can easily convert your purchases over Rs.2,500 into EMIs of 6 to 12 months
    • Insurance Benefits: Free personal accidental death cover
    • Add-on Card Benefits: Up to 3 free add-on cards

    BPCL SBI Credit Card

    • Joining fee: Rs.499
    • Renewal Fee: Rs.499
    • Add-on card: NIL

    Benefits

    • Reward Point Benefits
      • 2,000 activation bonus reward points (Rs.500) when you pay the joining fee
      • Get 5X reward points every time you spend Rs.100 at departmental stores, groceries, dining and movies.
      • 1 reward point when you spend Rs.100 on any non-fuel transactions
    • Fuel Benefits: 1% surcharge waiver on fuel transactions up to Rs.4,000
    • Flexipay Benefits: You can convert your transactions over Rs. 2,500 into EMIs using your BPCL SBI Credit Card

    HDFC Bharat CashBack Credit Card

    • Joining Fee: Rs.500
    • Renewal Fee: Rs.500

    Benefits

    • Cashback Benefits:
      • 5% cashback on a monthly basis when you book your tickets via the IRCTC website
      • Get 5% monthly cashback on all your fuel transactions
      • 5% cashback on your recharges using HDFC Bharat Cashback Credit Card.
    • Fuel Benefits: 1% surcharge waiver on transactions between Rs.400 and Rs.5,000
    • Grocery Benefits: 5% cashback every month on your grocery expenses

    IndianOil HDFC Bank Credit Card

    • Joining Fee: Rs.500
    • Renewal Fee: Rs.500

    Benefits

    • Fuel Benefits:
      • 5% of your fuel transactions at any IndianOil outlet will become Fuel Points
      • 5% of your expenses on grocery will be converted into Fuel Points
      • 5% of all bill payments will become Fuel Points
    • Fuel Point Benefits: Get 1 Fuel Point every time you spend Rs.150 using this IndianOil HDFC Bank Credit Card.

    IndianOil Axis Bank Credit Card

    • Joining Fee: Rs.500
    • Renewal Fee: Rs.500

    Benefits

    • Cashback and Value back Benefits
      • 100% cashback up to Rs.250 on your fuel transactions.
      • 4% value back on your fuel expenses.
    • Reward Point Benefits
      • Get 20 reward points for every Rs.100 you spend at IOCL outlets.
      • 5 reward points every time you spend Rs.100 on online shopping using IndianOil Axis Bank Credit Card.

    Fuel Credit card FAQs

    1. 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. You will not want to pay an extra 20% in interest for petrol.

    2. 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. You will have to fill the application form and then give documents required for verification.

    3. 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.

    4. 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.

    5. What cashback offers are there for the IndianOil Axis Bank Credit Card?

      You can get 100% cashback up to Rs.250 on your all fuel transactions with the IndianOil Axis Bank Credit Card.

    6. What credit card offers fuel benefits at Hindustan Petrol pumps?

      ICICI Bank HPCL Coral Amex credit card, ICICI Bank HPCL Coral Visa/MasterCard, and ICICI Bank HPCL Platinum Credit Card offers fuel benefits at all Hindustan Petrol pumps in the country.

    7. 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.

    8. What are the factors to consider before opting for a fuel credit card?

      The factors to be considered are:

      • Surcharge waiver
      • Credit limit
      • Annual fee
      

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