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  • 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 (Updated on June 11, 2019)
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    We found 6 Fuel Credit Cards
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    1st Year Fee
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    100% PAPERLESS APPROVAL
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    Reduced to 0 If annual spends > 30,000 1000
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    100% PAPERLESS APPROVAL
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    100% PAPERLESS APPROVAL
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    Reduced to 0 If HDFC account is present 500
    100% PAPERLESS APPROVAL
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    500
    100% PAPERLESS APPROVAL
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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

    • IndusInd Bank Credit Card
      "Need to enhance the credit limit"
      0.5 4.0/5 "Great!"
      I have taken INDUSIND credit card which was applied through an online. The process was smooth but to receive a card took around a month. It is a life time free credit card. Since I have applied for a privilege platinum card but I received a aura edge card. The credit limit is not sufficient. I use this card for shopping, fuel and restaurants.
      Was this review helpful? 3
      , bangalore
      Reviewed on Jul 13, 2019
    • ICICI Bank
      ICICI Bank Credit Card
      "Good"
      0.5 4.0/5 "Great!"
      I am holding ICICI bank credit card for more than 10 months which was processed through an online. On time I received a card .It is an annual fee chargeable.The credit limit is sufficient.I use this card for shopping, fuel and restaurants. Based on the usage I get reward points and cash back.
      Was this review helpful? 2
      , bangalore
      Reviewed on Jul 13, 2019
    • HDFC Bank Credit Card
      "Good"
      0.5 4.0/5 "Great!"
      I am holding HDFC bank freedom credit card for more than 1 year which was processed through online. To dispatch the card took around a month .It is an annual fee chargeable.The credit limit is sufficient.I use this card for shopping, fuel and restaurants and get up to discounts 10% and also reward points are applicable.
      Was this review helpful? 1
      , bangalore
      Reviewed on Jul 13, 2019
    • IndusInd Bank Credit Card
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      I applied a PLATINUM AURA EDGE MASTER CARD from IndusInd Bank. I have got the card on time. They have given credit limit of only Rs. 50 thousand. I have started using the card, there is some benefits like cash back offer and reward points. I am using this card for online shopping and fuel.
      Was this review helpful? 1
      , mumbai
      Reviewed on Jul 13, 2019
    • HDFC Bank Credit Card
      "Good"
      0.5 3.0/5 "Satisfactory"
      I am holding HDFC money back credit card for more than 7 years which was processed through an other channel and received a card on time. Before it was an fee and if we spend for 10-20 thousands it will waive off and now It is a life time free credit card and the credit limit is much sufficient. I use for grocery, shopping, restaurants and fuel purposes. I use to reward points and that can convert to amount of 800 rupees.
      Was this review helpful? 0
      , chennai
      Reviewed on Jul 13, 2019
    • ICICI Bank Credit Card
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      I am holding a Coral credit card from ICICI Bank. Enough credit limit and it is a lifetime free card. There is cashback offer and reward points and offers on Amazon. I am using this card mainly for fuel. I get weekly one movie ticket buy one get one free. It's been 4-5 months I am using this card.
      Was this review helpful? 0
      , new delhi
      Reviewed on Jul 13, 2019
    • IndusInd Bank Credit Card
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      I got an offer for credit card from IndusInd Bank for PLATINUM AURA EDGE MASTER CARD. I applied and received the card on time. They have given me nominal credit limit. I was not informed about the annual charges. I am using this card for online shopping and fuel.
      Was this review helpful? 0
      , mumbai
      Reviewed on Jul 13, 2019
    • RBL Bank Credit Card
      "Medium"
      0.5 3.0/5 "Satisfactory"
      I am holding RATNAKAR bank for more than 2 years which was applied through an other channel. On time I received a card from bank. The credit limit is low for this card. I had face some issues If I do payments unable to reach them on time. I would have prefer to have an EMI option for the conversion of an amount but banker has said there is no conversion. I use this card shopping,fuel purposes. I get reward points but I am unable to redeem it.
      Was this review helpful? 0
      , chennai
      Reviewed on Jul 13, 2019
    • Citibank Credit Card
      "Awesome card"
      0.5 4.0/5 "Great!"
      I am holding the CITI Indian oil card and i will get more points when i fill the fuel and those rewards points can be converted for purchasing the petrol. Offers will be there on Amazon and Flipkart website. They have given me a limit of Rs. 88000. I never had any trouble on this card. For the card up-gradation, i have given all the documents but after that there was no response from them.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jul 13, 2019
    • IndusInd Bank Credit Card
      "Average"
      0.5 5.0/5 "Blown Away!"
      I have taken Indus ind bank credit card which was applied through an online. The process was smooth and received a card on time along with a welcome kit. The credit limit is sufficient to use. For my purposes I have taken this card. I use shopping, restaurants and fuel purposes. Based on the usage I get reward points.
      Was this review helpful? 0
      , chennai
      Reviewed on Jul 13, 2019
    • SBI Cards Credit Card
      "NEED TO IMPROVE THE SERVICE"
      0.5 3.0/5 "Satisfactory"
      The annual fee is higher which is 3000 rupees there are no offers with the fuel sur charges waver off, they are providing only with the online shopping as a cash backs, rewards points it is simple to redeem and use. The application is easy and simple to use.
      Was this review helpful? 0
      , pune
      Reviewed on Jul 13, 2019
    • IndusInd Bank Credit Card
      "Response should be more proactive"
      0.5 4.0/5 "Great!"
      Basically its a life time free card from Indusind, that is the reason I have selected this card. I started using the card, they are providing fuel surcharges, the card limit is very satisfactory. But it took lot of time for getting the card there was no mail or message to update about the status, they taken almost 4 weeks of time. Hence I am unhappy with the service.
      Was this review helpful? 0
      , mumbai
      Reviewed on Jul 13, 2019
    • Citibank Credit Card
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      I am holding CITI bank rewards credit card for more than one year which was applied through an other channel. I received a card on time but the credit limit is low. It is annual fee chargeable. I use this card for shopping purpose, fuel,ticket booking. based on the usage I get reward points and cash back.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jul 13, 2019
    • Citibank Credit Card
      "BEST"
      0.5 5.0/5 "Blown Away!"
      There are fuel benefits with the card apart from that there are no offers available with the card. The credit limit given was good also it is a payable card but there was a waver off option is there, application is easy to do billing with the card.
      Was this review helpful? 0
      , thane
      Reviewed on Jul 13, 2019
    • Bank Bazaar Credit Card
      "USER FRIENDLY PORTAL TO USE"
      0.5 5.0/5 "Blown Away!"
      Bankbazaar.com i am using from last 4 years, i like the communication, gold rate, fuel rate, emi calculator, credit score, i am using through the mobile application it is easy to use. The customer support is good and they are response and helpful.
      Was this review helpful? 0
      , thane
      Reviewed on Jul 13, 2019
    • IndusInd Bank Credit Card
      "Good"
      0.5 5.0/5 "Blown Away!"
      I have taken INDUSIND bank credit card for more than a month which was process through an online. The verification process was smooth and good. On time I received a card from bank but the credit limit is low which was given from bank. I use this card for fuel purpose.
      Was this review helpful? 0
      , chennai
      Reviewed on Jul 13, 2019
    • IndusInd Bank Credit Card
      "Great Service"
      0.5 5.0/5 "Blown Away!"
      I am using Indusind bank PLATINUM AURA EDGE CREDIT CARD. Credit limit is 1 lakh, limit is nominal for me. It is a lifetime free credit card. I getting cash back offer on petrol. Indusind Bank customer service is great. I am using this card for online shopping and fuel.
      Was this review helpful? 0
      , thane
      Reviewed on Jul 13, 2019
    • Citibank Credit Card
      "Excellent card"
      0.5 5.0/5 "Blown Away!"
      I regularly use my CITI bank card. For filling the fuel i get more rewards points and for shopping, i get a double points. I use the rewards points and they are sending the offer notification on a regular basis. I am not yet contacted the customer care till now.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jul 13, 2019
    • ICICI Bank Credit Card
      "Best card"
      0.5 4.0/5 "Great!"
      I get a fuel sur charges waiver and movie ticket, recharges and too many things i do with this card. Holding the ICICI card for more than 4 years and i never faced any issues. All my transactions are smooth every time and the card is very much safe and secure to use.
      Was this review helpful? 0
      , new delhi
      Reviewed on Jul 12, 2019
    • ICICI Bank Credit Card
      "EXCELLENT"
      0.5 5.0/5 "Blown Away!"
      I am an existing customer with ICICI BANK apart from that they provide good offers. There are offers with the movie ticket free 1 for a month, fuel, dining purpose cash back. The card has the good credit limit also it is a payable card of 250 rupees. The application is easy to use.
      Was this review helpful? 0
      , mumbai
      Reviewed on Jul 12, 2019
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