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

    In today’s world, making payments either through debit or credit cards seems to be trending. Even the Government is urging individuals to take that route and steady moving towards digital economy. As such, it is not surprising to see that the credit card industry is booming in the country with banks and financial institutions coming up with different cards to address different issues of customers. Here, we take a look a Fuel Credit cards.

    Some of the popular fuel credit cards in India are:

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    We found 6 Fuel Credit card
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    Credit Card BYTES FROM OUR KITCHEN

    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.

    Maha March Mela Offer by Bankbazaar

    • Avail a gift voucher worth upto Rs.2000 from Amazon on applying for a credit card
    • Voucher will be provided upon approval of the credit card application
    • Offer will be valid from March 1, 2019 to March 31, 2019

    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.

    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.

    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.

    Fuel Credit Cards Reviews

    • HDFC Bank Credit Card
      "Good in all"
      0.5 5.0/5 "Blown Away!"
      HDFC Bank has offered me a credit card and the customer services are good. They also provide me with good offers and a very good credit limit. It is a smooth process while using the card, I never faced any hassles in the overall process till date.
      Was this review helpful? 0
      , kolkata
      Reviewed on Mar 22, 2019
    • Citibank Credit Card
      "Experience is good"
      0.5 5.0/5 "Blown Away!"
      Citibank has been overall good in the customer services. The online banking is good and the credit card offers are also good. The statements are also good and the billing is also in a timely manner. The credit limit is also fine and there are no charges taken for the card.
      Was this review helpful? 0
      , kolkata
      Reviewed on Mar 22, 2019
    • ICICI Bank Credit Card
      "Average"
      0.5 3.5/5 "Pretty good"
      I have been using ICICI Platinum card for more than 1.5 years. The credit limit is low which they need to increase. IVR takes longer time for the connectivity also they need to improve the service. There is no annual charge for this credit card.
      Was this review helpful? 0
      , bangalore
      Reviewed on Mar 22, 2019
    • RBL Bank Credit Card
      "Good card for the withdrawal"
      0.5 5.0/5 "Blown Away!"
      From RBL I have et money card it gives the flexibility of taking the cash without any interest. I can withdraw the maximum of 100%, the credit limit is also satisfactory with RBL card. One month back I got the card, the due date is convenient for me.
      Was this review helpful? 0
      , pune
      Reviewed on Mar 22, 2019
    • HDFC Bank Credit Card
      "Recommendable Card"
      0.5 5.0/5 "Blown Away!"
      I get 10x points from HDFC card based on the spends, In fact the cash back is also excellent. The customer support is good for the credit card queries, but there is a long queue to connect with the executive. They don't have direct contact no, first I need to verify my details in IVR, then again the executive verify it, therefore the process should be simple.
      Was this review helpful? 0
      , pune
      Reviewed on Mar 22, 2019
    • Citibank Credit Card
      "Good card for all transaction"
      0.5 5.0/5 "Blown Away!"
      I have reward points from CITI bank, I get more bonus points on the transactions, they give cash back offers for some transaction, I don't what to call them everything is prefect, the interest is also reasonable, I am using life time free credit card.
      Was this review helpful? 0
      , pune
      Reviewed on Mar 22, 2019
    • HDFC Bank Credit Card
      "Need to increase the limit"
      0.5 5.0/5 "Blown Away!"
      I have HDFC Bharath credit card and using it for past 1.5years. The service is excellent and they are not charging high for the late payments. The credit limit is average and they need to enhance the limit. It is a life time free credit card. There was no much offers.
      Was this review helpful? 0
      , vadodara
      Reviewed on Mar 22, 2019
    • Bank Bazaar Credit Card
      "Simple method for getting credit card "
      0.5 5.0/5 "Blown Away!"
      Through Bank bazaar it is a simple process of getting the credit card in quick time .It hardly took 1 week of time in Online method . I came to know bank bazaar through SMS . Customer executive guided about the various credit card in online . Mobile app is also user-friendly .
      Was this review helpful? 0
      , kolkata
      Reviewed on Mar 22, 2019
    • Axis Bank Credit Card
      "Good card"
      0.5 4.0/5 "Great!"
      Axis Bank has offered NEO credit card and am using it for past 6 months. The credit limit is sufficient for the beginner, its 40K. The rate of interest is too high for late payment charges which they need to reduce. It is a life time free credit card.
      Was this review helpful? 0
      , vadodara
      Reviewed on Mar 22, 2019
    • IndusInd Bank Credit Card
      "Online shopping and EMI is major advantage"
      0.5 5.0/5 "Blown Away!"
      I recently applied for the Indusind bank credit card in the on-line method . Within 10 days of time ,I got a good response till the time of dispatchement of my card . No annual fees for this card . The main plus point with Indusind bank credit card is the on-line shopping .
      Was this review helpful? 0
      , kolkata
      Reviewed on Mar 22, 2019
    • Kotak Credit Card
      "Good Card with Kotak"
      0.5 5.0/5 "Blown Away!"
      I am using Kotak Mahindra card for around two years, I have salary account hence everything is fine for me. The credit limit is not good because they gave only Rs.22,000, they need to enhance the card limit. I have master card and the accessibility is great.
      Was this review helpful? 0
      , faridabad
      Reviewed on Mar 22, 2019
    • RBL Bank Credit Card
      "Average Credit card"
      0.5 5.0/5 "Blown Away!"
      Almost it is going to be 3 months since I started to use this RBL credit card . Normally I will do most of the shopping Off-line .Offers are on-line and it is up to the expectation . RBL mobile app is very easy for making the payment and downloading the statement .
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Mar 22, 2019
    • Axis Bank Credit Card
      "Credit limit is not sufficient "
      0.5 5.0/5 "Blown Away!"
      For the past 6 months, I am using the AXIS bank credit card . My credit limit is around 25 k only . But this credit limit is very insufficient to use .I am not getting any notification about the various offers in on-line . Annual fees is around 499 - .
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Mar 22, 2019
    • Axis Bank Credit Card
      "EXCELLENT"
      0.5 5.0/5 "Blown Away!"
      I have been using the credit card with the AXIS BANK the card is user friendly to use. The credit limit with this card is satisfactory added on that the offers with this card is good. I am using it from last few years with this card. There is a EMI conversion option but there is no balance transfer option with this card.
      Was this review helpful? 0
      , bhopal
      Reviewed on Mar 22, 2019
    • ICICI Bank Credit Card
      "BETTER"
      0.5 3.5/5 "Pretty good"
      I am not satisfied with the credit card that i am using it with the ICICI BANK because the credit limit with this bank card is not satisfactory also there are no offers available with this credit card. There is a EMI conversion option with this credit card which is good also it is easy to convert.
      Was this review helpful? 0
      , bangalore
      Reviewed on Mar 22, 2019
    • HDFC Bank Credit Card
      "BETTER"
      0.5 3.5/5 "Pretty good"
      I have a credit card with the HDFC BANK the credit limit with this bank they have offered is average and i am not getting any offers with this bank. There is a EMI conversion option with this bank it is good and easy to convert with this bank credit card.
      Was this review helpful? 0
      , bangalore
      Reviewed on Mar 22, 2019
    • ICICI Bank Credit Card
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      It has almost been ten months since i am using this credit card and the services which they had provided me has been pretty good. But the credit limit with the card has been less and there has not been any annual charges with this card. I had been using this credit card for all sort of purposes.
      Was this review helpful? 0
      , bangalore
      Reviewed on Mar 22, 2019
    • HDFC Bank Credit Card
      "Excellent card"
      0.5 5.0/5 "Blown Away!"
      HDFC has given me a Money Back credit card and using it for past three years. I am happy with the credit limit. There was no annual charges and am paying monthly due. The charges are reasonable for EMI conversion. I got reward points but my sister use to redeem so have no idea.
      Was this review helpful? 0
      , bangalore
      Reviewed on Mar 22, 2019
    • IndusInd Bank Credit Card
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      I am just using this credit card for the last one week and the services which they had provided so far has been pretty good. They had given me with a good credit limit and it does not have any sort of annual charges. I am using this credit card for all sort of purposes.
      Was this review helpful? 0
      , bangalore
      Reviewed on Mar 22, 2019
    • RBL Bank Credit Card
      "Good for all transaction"
      0.5 4.0/5 "Great!"
      I am holding RBL bajaj credit card, features are like the monthly benefits which they give like surcharges on the products, extra points on the shopping with the air lounges. The limit is very satisfied with RBL credit card, I am happy with it.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Mar 22, 2019
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