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  • 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 (Updated on October 4, 2019)
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    We found 7 Fuel Credit Cards
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    100% PAPERLESS APPROVAL
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    Reduced to 0 If annual spends > 30,000 1000
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    Reduced to 0 If HDFC account is present 500
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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 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

    • HDFC Bank Credit Card
      "Good"
      0.5 5.0/5 "Blown Away!"
      For the past 2 months before only I have taken money back credit card with HDFC bank. I got an offered from their end. It is an annual fee chargeable of 2400 rupees. The credit limit is sufficient of 42 thousands. I am not aware about an EMI option. I use for shopping and fuel purpose. Within 20 days I received a card.
      Was this review helpful? 0
      , bangalore
      Reviewed on Oct 15, 2019
    • SBI Cards
      SBI Cards Credit Card
      "Need to provided rewards points and cash back"
      0.5 4.0/5 "Great!"
      Through SBI, I had got an offer for a credit card to apply and got one year before. It is a simply save card. The credit limit is given for 20 thousands for a low one. EMI option is applicable and charges are nominal. I use this card for shopping and fuel purposes. Based on the usage I didn't get reward points and cash back so far.
      Was this review helpful? 0
      , mysore
      Reviewed on Oct 15, 2019
    • HDFC Bank Credit Card
      "Money savings card"
      0.5 5.0/5 "Blown Away!"
      HDFC Credit card is good but there is no separate app for checking the details of credit card. Every time i need to login their online banking to check the statement. I do have a money back credit card and even they keep sending the discounts mails and i have used quite numbers for ordering a fuel and buying the fuel.
      Was this review helpful? 0
      , bangalore
      Reviewed on Oct 14, 2019
    • Axis Bank Credit Card
      "Need to enhance the credit limit"
      0.5 5.0/5 "Blown Away!"
      One year before I had applied for a master credit card with AXIS bank. Once the verification done I received a card by 4 days. The credit limit is nominal before given for 25 thousands but now enhanced to 34 thousands. EMI option is applicable and charges are nominal. I use for shopping and fuel purposes I get reward points.
      Was this review helpful? 1
      , sivakasi
      Reviewed on Oct 12, 2019
    • RBL Bank Credit Card
      "Good"
      0.5 5.0/5 "Blown Away!"
      For the past 2 years I am using RATNAKAR BANK platinum credit card through them processed directly. It is an annual fee chargeable of rupees 500. But the credit limit was given only for 35 thousands and yet to enhance it. EMI option is applicable and it is nominal. I use this card for fuel purpose. Based on the usage I get reward points.
      Was this review helpful? 0
      , coimbatore
      Reviewed on Oct 12, 2019
    • SBI Cards Credit Card
      "Good"
      0.5 5.0/5 "Blown Away!"
      I am holding SBI bank simply credit card for more than 2 years which was process through bank directly. It is an annual fee chargeable of 500 rupees.But the credit limit was given only for 10 thousands. There is an option for EMI and charges are nominal. I use this card for shopping and fuel purposes.
      Was this review helpful? 0
      , coimbatore
      Reviewed on Oct 12, 2019
    • HDFC Bank Credit Card
      "Good pre-approved credit card"
      0.5 5.0/5 "Blown Away!"
      I am using the rupay credit card from HDFC hence I'm getting the rewards points when i am doing a online purchases, They are providing a fuel sur charges. The offered credit limit of Rs. 48000 was not sufficient for me and I'm trying to increase the same. I use the credit card for almost 1 year. I make the partial payment always. Interest rates are nominal.
      Was this review helpful? 0
      , guntur
      Reviewed on Oct 11, 2019
    • review Credit Card
      "Good"
      0.5 4.0/5 "Great!"
      I got a credit card from State Bank of India which is Co-branch of KVB. I have been using Platinum card for about 3years. The annual fee is not applicable since am a staff of KVB. They have offered a limit of 75K and it wil be happy if they could do higher also. Am getting an offers for fuel filling and Amazon purchase which I never used it. Once I paid the payment delayed for one day, they have charged me highly.
      Was this review helpful? 0
      , ramanathapuram
      Reviewed on Oct 11, 2019
    • Citibank Credit Card
      "Need to decrease interest charges"
      0.5 4.0/5 "Great!"
      I am holding CITI bank credit card for more than 7 years which was processed through bank directly. They have given for a life time free credit card. The credit limit is sufficient to use for the card. EMI option is applicable but charges are high for this card. I use this card for shopping and fuel purposes based on the usage I get cash back and points.
      Was this review helpful? 0
      , bhiwadi
      Reviewed on Oct 10, 2019
    • Citibank Credit Card
      "Good"
      0.5 1.0/5 "Really Bad"
      I was holding CITI bank credit card for more than a year. It was a life time free credit card and the credit limit was sufficient to use. EMI options were applicable. I was using for travel and fuel purpose. As of now I have not felt to use the card so I have blocked.
      Was this review helpful? 0
      , bangalore
      Reviewed on Oct 09, 2019
    • IndusInd Bank Credit Card
      "Good card"
      0.5 4.0/5 "Great!"
      When I applied for the credit card, got a proper service and they have explained me about the card features. The credit limit is average when I compared to my other credit cards. I would appreciate, if they can increase my limit. There is no annual fee or joining fee. I am using the card for more than a month. For fuel, I have received some discounts which am happy.
      Was this review helpful? 1
      , chennai
      Reviewed on Oct 09, 2019
    • IndusInd Bank Credit Card
      "Good"
      0.5 4.0/5 "Great!"
      I have taken a credit card from INDUSIND BANK LTD just few months before, the process was done on smooth and received a card within 7 days. It is a life time free credit card. The credit limit is sufficient. EMI option is applicable. I use for shopping, restaurants and fuel purposes. Based on the usage I get cash back.
      Was this review helpful? 0
      , gurgaon
      Reviewed on Oct 06, 2019
    • ICICI Bank Credit Card
      "Need to be decrease interest charges"
      0.5 5.0/5 "Blown Away!"
      I am holding ICICI bank platinum credit card for more than 6 months which was applied directly to bank. It is a life time free credit card but the credit limit which was given for low of 20 thousands only. I use for fuel and restaurants. Charges are applicable and high for transactions.
      Was this review helpful? 1
      , erode
      Reviewed on Oct 05, 2019
    • HDFC Bank Credit Card
      "Good"
      0.5 4.0/5 "Great!"
      For the past 8 years I am using HDFC bank master credit card which was process through bank directly. It is an annual fee chargeable and there is an option for a waiver off. The limit given for 2 lakhs. EMI option are applicable and charges are nominal. I use this card for shopping purposes, grocery and fuel.
      Was this review helpful? 1
      , goa
      Reviewed on Oct 04, 2019
    • RBL Bank Credit Card
      "Fantastic card"
      0.5 5.0/5 "Blown Away!"
      Its a good experience with RBL card and they have increased my limit and its good. I have been using the RBL for every purchase like movie tickets, restaurants and petrol purchase. For the fuel, they are giving 2% waiver. RBL is providing a good service to the customer.
      Was this review helpful? 0
      , bhopal
      Reviewed on Oct 04, 2019
    • YES Bank Credit Card
      "Need to enhance the credit limit"
      0.5 1.0/5 "Really Bad"
      I am holding YES bank credit card for more than 1 year which was processed through bank directly. It is a life time free credit card but the credit limit which was given for very low of 20 thousands only. There is no proper response from customer service end. I use this card for shopping and fuel purposes.
      Was this review helpful? 1
      , bangalore
      Reviewed on Oct 04, 2019
    • IndusInd Bank Credit Card
      "Need to enhance the credit limit"
      0.5 5.0/5 "Blown Away!"
      When I am applying for a credit card with INDUSIND bank on a month before they offered for a good limit of 2 to 3 lakhs but once I received a card I got limit only for 50 thousands which was low. It was processed through an online. But to received a card took around 10 days.EMI option is applicable. I use for shopping and fuel purposes.
      Was this review helpful? 0
      , bangalore
      Reviewed on Oct 04, 2019
    • YES Bank Credit Card
      "Need to enhance the credit limit"
      0.5 5.0/5 "Blown Away!"
      From YES bank offered for a life time free credit card. The credit limit is intimated as for 50 thousands but given only for 15 thousands which was low. Since I am already holding existing credit card which limit for high. I received a card by 20 days. EMI option is applicable but mobile application is not working properly and there is no proper response. I use for fuel and grocery purposes.
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Oct 03, 2019
    • IndusInd Bank Credit Card
      "Need to enhance the credit limit"
      0.5 5.0/5 "Blown Away!"
      INDUSIND bank applied for a credit card on a month before which was processed through an online. Their service is good in response. But mobile app is not user friendly to access. On time I received a call and within 4 days received a card with a kit. The credit limit is low of 50 thousands only. I use for fuel and shopping purposes.
      Was this review helpful? 0
      , bangalore
      Reviewed on Oct 03, 2019
    • IndusInd Bank Credit Card
      "Good"
      0.5 5.0/5 "Blown Away!"
      I applied INDUSIND BANK PLATINUM AURA EDGE CREDIT CARD online. I had received the card on time. I have started using it. I am using it for online shopping and fuel. There is reward points and cashback offers but very less in comparison to my other cards.
      Was this review helpful? 0
      , new delhi
      Reviewed on Oct 03, 2019
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