Fuel Credit Cards in India 2026
Cardholders who use fuel credit cards will save money by getting cash back, reward points, and no surcharges. You can use your fuel credit card for all types of everyday purchases as well as for your regular gas, making it easier to lower your overall spending and earn rewards you can redeem later.
We found 2 Credit Cards
Mega Savings On Petrol
See More
Fee Details
- 1st Year - ₹ 499 + Taxes
- 2nd Year Onwards - ₹ 499 + Taxes (Reversible if annual spends ≥ ₹ 50,000 in previous year)
Joining Perks
- 2,000 points worth ₹ 500 on paying joining fee
Rewards
- BPCL petrol pumps: 13x points
- Groceries & department stores: ₹ 100 = 5x points
- Movies & dining: ₹ 100 = 5x points
- Other non-fuel retail purchases: ₹ 100 = 1 point
Documents
- PAN card
- Aadhaar number
- Credit Card statement (if applicable)
What you'll love
Great savings on petrol for 4-wheeler owners with the 4.25% valueback offer on BPCL petrol purchases
13* reward points on every ₹100 spent on fuel at BPCL petrol pumps (Max. 1,300 reward points per billing cycle)
Annual savings of up to 70 litres of fuel
1% fuel surcharge waiver on transactions up to ₹ 4,000, (excluding GST and other charges) at any BPCL petrol pump in the country
Maximum fuel-surcharge waiver of ₹100 in a month - that is equivalent to annual savings of ₹1,200 on fuel surcharge
Maximum savings on everyday purchases with up to 5x reward points on spends at department stores, groceries, movies and dining (Up to 5,000 reward points per month)
Balance transfer facility available (T&C apply)
Instant redemption of reward points at select BPCL petrol pumps
Visa Offer: Amazon Pay/Swiggy/Zomato voucher of up to ₹750 on activating new card with min. transaction of ₹300*
Think about
*Limited validity. T&C apply
50 L Free Fuel Every Year
See More
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
Joining Perks
- No joining perks
Rewards
- 5% of spends at IndianOil petrol pumps, groceries & bill payments as fuel points
- Others: 1 fuel point/₹ 150 spent
Documents
- KYC - PAN, address proof and ID proof
- Photograph
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
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
Think about
Not Applicable
What is a Fuel Credit Card?
Banks offer a fuel credit card to give customers maximum savings and benefits on fuel purchases. Everyday retail transactions are processed by a fuel card and reward points are accumulated on every spend at the fuel pump. These cards grant frequent drivers significant reductions in transit expenses through waived surcharges. Running costs of the vehicles are actively lowered by targeted cashback programs. Vehicle maintenance discounts are some of additional lifestyle perks offered by the fuel credit cards.
Benefits of Fuel Credit Cards
The advantages of using fuel credit cards are as follows:
Benefit | Details |
Direct Cost Reduction | Fuel credit cards help reduce overall fuel expenses, especially useful during fluctuating fuel prices. |
Surcharge Waivers | Save between 1% and 2.5% on every fuel purchase through fuel surcharge waivers. |
Cashback Offers | Earn cashback on fuel spends, helping lower monthly expenses, especially beneficial for frequent drivers and long-distance travellers. |
Earn on Every Transaction | Accumulate reward points on fuel and other everyday purchases. |
Flexible Redemption | Redeem points for free fuel, statement cashback, gift vouchers, or travel benefits. |
Bonus / Accelerated Rewards | Earn higher reward points when transacting at partner or co-branded fuel stations. |
Convenience | Eliminates the need to carry cash or manage multiple payment methods. |
Easy Tracking | Track fuel and overall spending easily through mobile apps and statements. |
Entertainment & Dining | Avail discounts on dining and offers on movie bookings via BookMyShow. |
Travel & Assistance | Premium cards may include concierge services, roadside assistance, and travel insurance. |
Fee Waivers & Bill Payments | Annual fees can be waived on reaching spend thresholds; also useful for utility and telecom bill payments. |
Advanced Protection | Features like chip security and two-factor authentication ensure safe transactions. |
Fraud Monitoring | Continuous monitoring helps detect suspicious activity and protects users. |
Safe Payments | Ensures secure payments whether at home or while travelling. |
Top Fuel Credit Cards with High Rewards and Cashback
Here is a breakdown of the key benefits, rewards, joining fees, and annual fees for top 10 of the best fuel credit cards available.
BPCL SBI Credit Card
Fees
- Joining Fee: Rs. 499 plus taxes
- Annual Fee: Rs. 499 (Waived on spending Rs. 50,000 and above in the previous year)
Benefits & Rewards
- Earn 4.25% value back on BPCL fuel spends through 13X reward points, capped at 1300 points per billing cycle.
- Receive 2,000 bonus Reward Points (worth Rs. 500) upon payment of the joining fee.
- You can save up to Rs. 1,200 annually via 1% fuel surcharge waiver on BPCL transactions up to Rs. 4,000 per swipe.
- Instantly redeem reward points for fuel at BPCL outlets.
- Earn 5 reward points for every Rs. 100 spent on dining, departmental stores, movies, and groceries.
- Get 1 reward point for every Rs. 100 spent on other retail transactions.
BPCL SBI Card Octane
Fees
- Joining Fee: Rs. 1,499 plus GST
- Annual Fee: Rs. 1,499 plus GST (Waived on spending Rs. 2 lakh or more annually)
Benefits & Rewards
- Get 6,000 reward points as a welcome benefit.
- Get 4.25% value back on fuel spends, which includes 13X Reward Points (equivalent to 3.25%) along with a 1% fuel surcharge waiver on transactions up to Rs. 4,000. This benefit is applicable only when the card is swiped at POS machines at any BPCL petrol pump across India, excluding GST and other charges. The maximum surcharge waiver is capped at Rs. 100 per billing cycle, translating to annual savings of up to Rs. 1,200.
- Receive four complimentary domestic lounge accesses annually.
- Earn 10 reward points for every Rs. 100 spent on dining, departmental stores, movies, and groceries.
- Receive a gift voucher worth Rs. 2,000 on annual spends of Rs. 3 lakhs.
- Includes fraud liability cover of Rs. 1 lakh.
IndianOil RBL Bank XTRA Credit Card
Fees
- Joining Fee: Rs. 1,500 plus GST
- Annual Fee: Rs. 1,500 (Waived on spending Rs. 2.75 lakh annually)
Benefits & Rewards
- Get up to 8.5% savings on IndianOil fuel (7.5% as fuel points and 1% as a surcharge waiver).
- Earn 3,000 Fuel Points on your first transaction of Rs. 500 or more within 30 days.
- Through quarterly spending milestones of minimum threshold value of Rs. 75,000 you can receive up to 1,000 Fuel Points bonus.
- On a monthly spend of Rs. 45,000, the card offers 250 liters of free petrol per year as fuel points.
- Get two fuel points for every Rs. 100 spent on shopping.
IndianOil Axis Bank Premium Credit Card
Fees
- Joining Fee: Rs. 1,000 plus GST
- Annual Fee: Waived on spending Rs. 1 lakh or more.
Benefits & Rewards
- The 6X EDGE Miles rate translates to a 4% value back on fuel, provided transactions occur exclusively at IndianOil outlets. This 4% return is effective for spending up to Rs. 15,000 per month, beyond which the earning rate reverts to the base of 1 EDGE Mile per Rs. 150. The 1:1 redemption ratio for fuel ensures zero value leakage at the pump.
- Get a 1% unlimited Fuel Surcharge Waiver at Indian Oil outlets.
- On spending within 30 days of card issuance, you can avail 500 EDGE MILES.
- Earn 2 EDGE MILES on every Rs. 150 spent on groceries or at supermarkets.
- Earn 1 EDGE MILE reward point on every Rs. 150 spent.
- Annual fee is waived on completing transactions worth Rs. 30,000 and above in an anniversary year.
IndianOil Axis Bank Credit Card
Fees
- Joining Fee: Rs. 500
- Annual Fee: Rs. 500 from the second year onwards.
Benefits & Rewards
- Earn 1,250 EDGE reward points matching your first fuel spend (up to Rs. 250) within 30 days.
- Get 4% back as 20 EDGE reward points per Rs. 100 on fuel purchases at IOCL outlets.
- Get a 1% waiver on fuel surcharge.
- You can avail a 10% BookMyShow discount and ensure Rs. 100 monthly savings.
- Earn 5 reward points for every Rs. 100 spent on online shopping.
- On achieving milestone spending of transactions worth Rs. 3.5 lakh and above, you can also avail an annual fee waiver.
Indian Oil Kotak Credit Card
Fees
- Joining Fee: Rs. 449
- Annual Fee: Rs. 449 (Waived on spending Rs. 50,000 in the previous year)
Benefits & Rewards
- Get up to 5% savings on Indian Oil fuel.
- Receive a 1% fuel surcharge waiver on fuel spends (capped at Rs. 100 per month).
- Get 2% back as reward points on grocery and dining transactions.
- You can avail a 0.5% return as reward points on all other transactions. This base rate ensures continuous point accumulation across non-fuel categories.
HPCL BoB Energie Credit Card
Fees
- Joining Fee: Rs. 499
- Annual Fee: Waived on spending Rs. 50,000 in an anniversary year.
Benefits & Rewards
- Get 5% savings on fuel purchases at LPG and HPCL retail outlets.
- HP Pay accelerates reward acquisition for HPCL loyalists by 1.5% cashback incentive on purchases via the HP Pay app.
- Get a 1% fuel surcharge waiver for transactions between Rs. 400 and Rs. 5,000 at HPCL stations.
- Receive 500 bonus Reward Points for spending Rs. 5,000 within the first 60 days.
- Get four complimentary lounge accesses every year (1 per quarter).
IndianOil HDFC Bank Credit Card
Fees
- Joining Fee: Rs. 500 plus GST
- Annual Fee: Rs. 500 plus GST (Waived on spending Rs. 50,000 and above in the previous year)
Benefits & Rewards
- Get 5% back as Fuel Points on IOCL fuel purchases.
- Complimentary membership to the XTRAREWARDS program provides a frictionless entry into the IndianOil loyalty network.
- Get a 1% fuel surcharge waiver (up to Rs. 250 per month on transactions of at least Rs. 400).
- Earn Fuel Points worth 5% on spends at Indian Oil outlets, groceries, and bill payments.
ICICI HPCL Coral Credit Card
Fees
- Joining Fee: Rs. 199 plus GST
- Annual Fee: Rs. 199 plus GST (Waived on spending Rs. 50,000 in the previous year)
Benefits & Rewards
- Save up to 3.5% on fuel expenses at HPCL petrol pumps, with 2.5% as cashback (capped at Rs. 100 per month).
- Get a 1% fuel surcharge waiver on fuel expenses between Rs. 400 and Rs. 4,000.
- Earn 6x to 12x reward points on iShop.
- Enjoy double the fun every month with a generous 25% discount on your favorite movies! It’s the perfect way to treat yourself to the latest blockbusters while keeping your entertainment budget in check.
ICICI HPCL Super Saver Credit Card
Fees
- Joining Fee: Rs. 500 plus GST
- Annual Fee: Rs. 500 plus GST (Waived on spending Rs. 1,50,000 and above in the previous year)
Benefits & Rewards
- Receive 2,000 reward points as a joining benefit.
- Get up to 5% savings on fuel spends at HPCL pumps and on the HP Pay app.
- Enjoy a 1% fuel surcharge waiver on all fuel spends.
- Get one complimentary domestic lounge access.
- Get a 25% discount (up to Rs. 100) twice a month on movie ticket bookings.
- Get round-the-clock roadside assistance.
IDFC FIRST Power+ Credit Card
Fees
- Joining Fee: Rs. 499 plus GST
- Annual Fee: Rs. 499
Benefits & Rewards
- Save up to Rs. 18,500 in a year and get a welcome benefit worth Rs. 2,500.
- Save up to 6.5% on your fuel transactions.
- Save 5% as rewards on utility, grocery, and IDFC First FASTag recharge.
- Receive a gift voucher worth Rs. 500 on completing HPCL fuel transactions of Rs. 500 or more.
- Domestic lounge access is unlocked as a monthly benefit upon meeting a Rs. 20,000 transaction threshold. This requirement ensures that the travel perk is reserved for active users, effectively linking leisure utility to consistent spending behavior.
- Get a flat 25% off (up to Rs. 100) on movie tickets once a month.
How to Choose the Best Fuel Credit Card in 2026?
The factors that you must consider before selecting fuel credit card are mentioned in the table below:
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 key factors to consider when choosing a fuel credit card. Check whether the benefits apply only to specific petrol pumps tied to a particular oil company or are available across all fuel stations nationwide. |
Surcharge Waiver | Figure out if you will receive a fuel surcharge waiver on your fuel spends or not. |
Spend Limits | Make sure the spending limit to avail benefits is not very high. |
Annual Fee | While high-tier cards provide premium benefits, they require higher maintenance costs. Entry-level cards, on the other hand, have lower fees but offer fewer rewards. Thus the annual fees of credit cards is an important aspect to consider. |
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. |
Credit card payment pattern | When 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 the best interest rates. |
Fuel spending pattern | Fuel credit cards offer high rewards on petroleum. Proper budgeting allows for maximum cashback, and thus the individual must analyse his/her expenses and decide on the monthly budget that would be spent on fuel. |
How to Apply for a Fuel Credit Card?
You can apply for a fuel credit card by visiting the nearest branch of your chosen bank or by submitting an application online. Simply fill out the required form and provide the necessary documents to complete the process. Once approved, the fuel credit card helps you to conveniently manage and reduce your fuel expenses.
Eligibility for Fuel Credit Cards
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 fulfil are:
- Need to have a good credit score.
- Need to fulfil the minimum age and income bracket as prescribed by the bank.
Note: The eligibility criteria may vary depending on the bank policy.
FAQs on Fuel Credit Card
- 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.
- 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.
- 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.
- 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.
- 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.
- Does the 1% fuel surcharge waiver apply at all petrol stations?
While most fuel credit cards offer a 1% surcharge waiver across all outlets in India, the high-value reward points (e.g., 4%–7% back) are usually exclusive to the partner brand (like BPCL, IndianOil, or HPCL). To maximize savings, you must use the card at authorized outlets of the co-branded partner. Additionally, most waivers only apply for transactions between Rs. 400 and Rs. 4,000.
Types of Credit Card
- Top 10 Credit Cards in India
- Fuel Credit Cards
- Lifetime Free Credit Cards
- Kisan Credit Card
- Student Credit Cards in India
- Shopping Credit Cards
- Contactless Credit Cards
- Travel Credit Cards
- Co-Branded Credit Cards
- Lifestyle Credit Cards
- Rewards Credit Cards
- Business Credit Cards
- NRI Credit Cards
- Cashback Credit Cards
- Lounge Access Credit Cards
Credit Card by Banks
- Axis Bank Credit Card
- HDFC Bank Credit Card
- Kotak Bank Credit Card
- Federal Bank Credit Card
- SBI Credit Cards
- HSBC Credit Card
- IndusInd Bank Credit Card
- RBL Bank Credit Card
- Standard Chartered Credit Card
- YES Bank Credit Card
- Canara Bank Credit Card
- Punjab National Bank Credit Card
- Bank of Baroda Credit Card
- IDBI Credit Card
- Union Bank of India Credit Card
- Bank of India Credit Card
Articles on Credit Card
- How to Check Credit Card Status
- How to Manage Multiple Credit Cards
- Best Credit Card for Poor Credit
- How to get Credit Card without Job
- Credit Card Insurance Benefits
- How to Apply for Lost Credit Card
- Reasons for Credit Card Rejection
- Advantages & Disadvantages of Credit Card
- Difference between Credit Card & Debit Card
Credit Card Customer Care
- SBI Credit Card Customer Care
- HDFC Bank Credit Card Customer Care
- Axis Bank Credit Card Customer Care
- Federal Bank Credit Card Customer Care
- IndusInd Bank Credit Card Customer Care
- PNB Credit Card Customer Care
- RBL Bank Credit Card Customer Care
- Kotak Credit Card Customer Care
- Yes Bank Credit Card Customer Care
- Standard Chartered Credit Card Customer Care
- Canara Bank Credit Card Customer Care
- HSBC Credit Card Customer Care
- Indian Bank Credit Card Customer Care
- Bank of Baroda Credit Card Customer Care
- Bank of India Credit Card Customer Care
- Union Bank of India Credit Card Customer Care
Credit Card Bill Payment
- Credit Card Bill Payment
- SBI Credit Card Bill Payment
- HDFC Credit Card Bill Payment
- Federal Bank Credit Card Bill Payment
- Axis Bank Credit Card Bill Payment
- IndusInd Credit Card Bill Payment
- Kotak Credit Card Bill Payment
- Standard Chartered Credit Card Bill Payment
- RBL Bank Credit Card Bill Payment
- HSBC Credit Card Bill Payment
- PNB Credit Card Bill Payment
- Canara Bank Credit Card Bill Payment
- Bank of Baroda Credit Card Bill Payment
- Bank of India Credit Card Bill Payment
- Union Bank Credit Card Bill Payment
Credit Card Eligibility
- Credit Card Eligibility
- SBI Credit Card Eligibility
- HDFC Credit Card Eligibility
- Federal Bank Credit Card Eligibility
- Axis Bank Credit Card Eligibility
- Yes Bank Credit Card Eligibility
- IndusInd Bank Credit Card Eligibility
- HSBC Credit Card Eligibility
- Kotak Credit Card Eligibility
- Canara Bank Credit Card Eligibility
- Standard Chartered Credit Card Eligibility
- RBL Bank Credit Card Eligibility
- Bank of Baroda Credit Card Eligibility
- Union Bank Credit Card Eligibility
Disclaimer
Credit Card:
Credit Score:
Personal Loan:
Home Loan:
Fixed Deposit:
Copyright © 2026 BankBazaar.com.