Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
  • 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.

    Some of the popular fuel credit cards in India

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    We found 5 Fuel Credit Cards
    Card
    1st Year Fee
    Rewards
    Joining Perks
    PA PL OTP
    Reduced to 0 if annual spends > 30,000 1000
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    0
    100% PAPERLESS APPROVAL
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    Fee Details
    Reduced to 0 If an HDFC Current/Savings Account is present/opened within 3 months of card approval 500
    100% PAPERLESS APPROVAL
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    500
    100% PAPERLESS APPROVAL
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    Reduced to 0 On completing 2 transactions in a month for first 3 consecutive months or spending 20,000 in 90 days 500
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    Fee Details

    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

    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?

    Before deciding to avail the best Fuel Credit card one needs to consider quite a few things. And with different banks and financial institutions providing fuel credit cards it is not easy in finalizing the card that best suits the purpose of the individual. Here are certain things that an individual before deciding which fuel credit card to avail:

    • 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.

    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:

    Listed below are a few credit card that offer cashback on fuel credit cards.
    • HDFC Bharat Cashback Credit Card and HDFC Bharat Credit Card offer 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, ICICI Bank HPCL Coral Visa/MasterCard and ICICI Bank HPCL Platinum credit card: All these cards offer 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 offers 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
    • Can enjoy Zero Fuel Surcharge: An individual who uses Fuel Credit card gets the fuel surcharge of 2.5% waived when he/she purchases fuel by using the card. Apart from this, the card offers cashback as well as enables the cardholders to make payment of utility bills.
    • Individuals can redeem points to purchase fuel: By virtue of using the Fuel Credit cards at various outlets, an individual can earn redeem points. These redeem points can be used while purchasing fuel or for other lifestyle benefits like buying tickets, dining discounts etc.

    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.

    Indian Oil Citi Platinum Credit Card

    This 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 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

    This 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.

    Factors to Consider While Selecting the Best Fuel Credit Card:

    Some of the factors that you should consider while selecting the best fuel credit card are as follows:

    • 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.

    ICICI Bank HPCL Coral VISA/MasterCard Credit Card

    This 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

    This 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 card not only reduces the fuel bills of the customers, but also helps them save money through its annual fee waiver option.

    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.
      

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    Fuel Credit Cards Reviews

    • SBI Cards Credit Card
      "Ok service"
      0.5 5.0/5 "Blown Away!"
      I am using SBI credit card for more than three months, there are some reward points and offers in the card. I used this card for online shopping, fuel surcharge and groceries.The credit limit of the card is sufficient and I like the most about the card is that it is a life time free card and very good to use.
      Was this review helpful? 28
      , hyderabad
      Reviewed on Mar 21, 2020
    • ICICI Bank
      ICICI Bank Credit Card
      "Need to increase the credit limit "
      0.5 5.0/5 "Blown Away!"
      I have been using ICICI card for more than one year. They have provided an annual fee chargeable card and waiver off option is applicable. The credit limit is okay of 50K. Since I need to do purchase about 45K on some of the month so this limit is not sufficient. I swipe the card for travel, shopping and fuel purposes. I have not opted for EMI conversion.
      Was this review helpful? 18
      , kolkata
      Reviewed on Mar 21, 2020
    • RBL Bank Credit Card
      "Average service"
      0.5 1.0/5 "Really Bad"
      RBL credit card is a chargeable card, I always have to go to Bajaj Finance to pay my credit card bill. I am not satisfied with the customer service which has to be improved. I used this card when ever needed for shopping, fuel surcharge and bill payment.The limit of the card is fine.
      Was this review helpful? 45
      , ranchi
      Reviewed on Mar 21, 2020
    • HDFC Bank Credit Card
      "Good service"
      0.5 5.0/5 "Blown Away!"
      HDFC credit card is very convenience to use, I have been using the card for 4.5 months for Shopping, groceries, fuel surcharge and electricity bill payment also. I pay my credit card bill through ATM. I always get my bill on time, this card was suggested to me by the bank agent.
      Was this review helpful? 25
      , ranchi
      Reviewed on Mar 21, 2020
    • SBI Cards Credit Card
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      It was only one month that i got the credit card with SBI. But it was nice because I used to get many offers sms. I used this card for shopping, fuel, ticket and for others purposes also. The bank agent came and collected the documents, the limit of the card is Rs.54000. This is a chargeable card, it cost 500 rupees per year.
      Was this review helpful? 2
      , bangalore
      Reviewed on Mar 21, 2020
    • ICICI Bank Credit Card
      "Need to increase the credit limit"
      0.5 4.0/5 "Great!"
      ICICI has given easy option to convert for EMI either I can do by mobile app or net banking rather calling the banker to raise a request, so that I feel best in this bank. The charge is nominal. I have been using this card for more than 4 years. It is a life time free card. The credit limit is okay of 36K only once they have increased the limit for second time I have refused it. It is a Platinum card. I use this card for an online purchase and fuel purposes.
      Was this review helpful? 1
      , hosur
      Reviewed on Mar 21, 2020
    • ICICI Bank Credit Card
      "Good "
      0.5 5.0/5 "Blown Away!"
      The credit limit which is provided from ICICI bank was sufficient to use. Its been one year I am holding this card. They have provided an annual fee chargeable of 4K but they have given an option for wavier off as need to spend 3K on monthly. I swipe the card for shopping, fuel purpose so got reward points.
      Was this review helpful? 2
      , bangalore
      Reviewed on Mar 21, 2020
    • RBL Bank Credit Card
      "very good "
      0.5 5.0/5 "Blown Away!"
      I am using RBL credit card for 1.5 years, the card have many offers on shopping, fuel, movie ticket and some reward points. The credit limit is 1 lakh which is very sufficient. I do my bill payment through as bank is available nearby. Also am using net banking and it functions very well.
      Was this review helpful? 1
      , surat
      Reviewed on Mar 20, 2020
    • ICICI Bank Credit Card
      "Excellent card"
      0.5 4.0/5 "Great!"
      ICICI bank have provided a good credit card to me which have a lot of offers in traveling, fuel surcharge, buy one get one free movie tickets every months along with many rewards points. Its also a life time free card.The card is very convenience to used. I do my credit card payment through bank.
      Was this review helpful? 3
      , tirunelveli
      Reviewed on Mar 20, 2020
    • HDFC Bank Credit Card
      "Best service"
      0.5 5.0/5 "Blown Away!"
      The best part about HDFC credit card is that the credit limit used to increase at a very fast rate, the offer is also good.The agent came and collect the documents and i got my card in very short time. I used this card for shopping,on line payment,fuel surcharge and groceries but I am not using this card for money transfer purposes.
      Was this review helpful? 3
      , patiala
      Reviewed on Mar 20, 2020
    • HDFC Bank Credit Card
      "Good service"
      0.5 4.0/5 "Great!"
      I am holding HDFC credit card for one year.This card have an EMI conversion for 1000 rupees and a credit limit of 50000.The card is very useful for on line shopping,fuel surcharge, bill payment and on line banking it also have a reward points but I don't know exactly how much.
      Was this review helpful? 2
      , kolkata
      Reviewed on Mar 20, 2020
    • SBI Cards Credit Card
      "Good card"
      0.5 5.0/5 "Blown Away!"
      The bank services of State Bank of India is nice as they provide a lot of offers . The discounts are satisfactory and they are helpful because now days everyone prefer online shopping than going over in person. Mostly i am using for groceries and fuel
      Was this review helpful? 1
      , tirupur
      Reviewed on Mar 20, 2020
    • SBI Cards Credit Card
      "Average service "
      0.5 3.0/5 "Satisfactory"
      This is a new card i am not sure with the interest rate for SBI credit card. Credit limit is not sufficient they need to increase my limit. Actually it has a annual charges, if i spend Rs. 1L this year and the fee will get waived off and the fee is Rs. 499. Totally i used this card for Rs.9k and i received the statement also through mail. Mostly buying thing and fuel purpose i am using, actually i got reward points i am not sure about that.
      Was this review helpful? 1
      , chennai
      Reviewed on Mar 20, 2020
    • YES Bank Credit Card
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      I have availed YES bank credit card for fuel and shopping as well as for my personal use. I get 2movie tickets are free and monthly 100% cash back offers are avail ,using for the past 1 month i have not used movie ticket offers yet .The credit limit was very less it was only 56000.I have got the credit card on delay basis it took extra 2 days of time since delayed by courier person.
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Mar 20, 2020
    • Citibank Credit Card
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      I am using CITI card for the past 2 months and the credit limit was less it was 56,000 and not faced any drawbacks .This was a free card and having fuel benefits since it was Indian oil card .I have submitted the required documents through agent. I have chosen this card since bank service was good.
      Was this review helpful? 2
      , chennai
      Reviewed on Mar 20, 2020
    • Citibank Credit Card
      "Excellent card"
      0.5 5.0/5 "Blown Away!"
      This is a Reward credit card, since 2007 i am holding with CITI Bank and this card has much benefits like reward points some discounts and more. I can redeemed points on indian oil petrol and this is a free card, they given a sufficient credit limit of Rs. 3L. EMI options are available and mostly using this for shopping and fuel purpose. Quarterly i am getting airport lounge access 2 domestic and 1 international.
      Was this review helpful? 1
      , new delhi
      Reviewed on Mar 20, 2020
    • RBL Bank Credit Card
      "Best card"
      0.5 5.0/5 "Blown Away!"
      Everything is good with RBL credit card that I have been using for a month. I usually used the card for shopping,electricity bill payment, fuel surcharge. The bank has always give me a good responds when ever i need some help or information,the credit limit is 50,000 and I think this is a very good card to use.
      Was this review helpful? 0
      , surat
      Reviewed on Mar 19, 2020
    • IndusInd Bank Credit Card
      "Good service"
      0.5 5.0/5 "Blown Away!"
      I have chosen INDUSIND bank credit card because this bank is related to Ashok Leyland in which i am having my saving account, hence they offered me this card. The reward points are very good I used the card for shopping,fuel surcharge, according to my experience this credit card is far much better compare to other cards . The customer service were good, the bank have charged me an auto debit of 100 rupees.
      Was this review helpful? 0
      , new delhi
      Reviewed on Mar 19, 2020
    • RBL Bank Credit Card
      "Best card"
      0.5 5.0/5 "Blown Away!"
      RBL Bank offered me Titanium delight credit card and i applied this card through online. Card charges i am paying Rs. 600 yearly, if i spend some amount it wont be any charges. I spend this card mostly for fuel benefits, groceries discounts getting
      Was this review helpful? 0
      , hyderabad
      Reviewed on Mar 19, 2020
    • SBI Cards Credit Card
      "Good "
      0.5 4.0/5 "Great!"
      SBI has offered annual fee chargeable of 300 rupees for first year but second year onward 500 rupees but there is waiver off option for certain usage within a year. I got a call on time and process was smooth hence within 15-20 days I received the card. The credit limit is 50K. I use this card for purchase, fuel purpose. The cash limit of 5K.
      Was this review helpful? 0
      , chennai
      Reviewed on Mar 19, 2020
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