Best Fuel Credit Cards to Save on Every Fuel Purchase

Fuel credit cards are designed specially to help you save money every time you refuel your vehicle. These cards offer benefits like fuel surcharge waivers, cashbacks, and reward points. It is a convenient option which reduces your overall fuel expenses.

Many cards include a 1% fuel surcharge waiver and bonus rewards on initial transactions, further maximizing savings. Discounts on groceries, bill payments, and online spending are additional perks. By choosing the right fuel credit card, users can lower fuel expenses, earn rewards on daily purchases, and enjoy seamless redemption options for fuel credits.

Best Fuel Credit Cards in India 2025

Credit Card  

Joining Fee  

Annual Fee  

BPCL SBI Credit Card  

Rs.499 plus taxes  

Rs.499  

BPCL SBI Card Octane  

Rs.1,499 plus GST  

Rs.1,499 plus GST (Waived off on spending Rs.2 lakh or more annually)  

IndianOil RBL Bank XTRA Credit Card  

Rs.1,500 plus GST  

Rs.1,500 (Waived off on spending Rs.2.75 lakh annually)  

IndianOil Axis Bank Premium Credit Card  

Rs.1,000 plus GST  

Waived off on spending Rs.1 lakh or more  

IndianOil Axis Bank Credit Card  

Rs.500   

Rs.500 second year onwards  

Indian Oil Kotak Credit Card  

Rs.449  

Rs.449 (waived off on spending Rs.50,000 in the previous year)  

HPCL BoB Energie Credit Card  

Rs.499  

Waived off on spending Rs.50,000 in an anniversary year  

IndianOil HDFC Bank Credit Card  

Rs.500 plus GST  

Rs.500 plus GST (waived off on spending Rs.50,000 and above in the previous year) 

ICICI HPCL Coral Credit Card  

Rs.199 plus GST  

Rs.199 plus GST (waived off on spending Rs.50,000 in the previous year) 

ICICI HPCL Super Saver Credit Card  

Rs.500 plus GST  

Rs.500 plus GST (waived off on spending Rs.1,50,000 and above in the previous year) 

IDFC First HPCL Power Credit Card  

Rs.199 plus GST  

Rs.199  

IDFC FIRST Power+ Credit Card  

Rs.499 plus GST  

Rs.499  

We found 2 Credit Cards

Filter

Bank

1st Year Fee

₹499₹500
  • First year fee upto:

    ₹499

Card Fee Type

Card Network

Mega Savings On Petrol

  • BPCL SBI Card

    1st year fee

    :  

    ₹ 499

See More

50 L Free Fuel Every Year

  • IndianOil HDFC Bank Credit Card

    1st year fee

    :  

    ₹ 500

    ₹ 0

    *See details

See More
Updated On - 16 Dec 2025
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Key Features and benefits of Fuel Credit Cards

The table below highlights the key benefits such as value-back rewards and fuel surcharge waivers of the best fuel credit cards:

Credit Card  

Fuel Savings & Key Benefits  

BPCL SBI Credit Card  

  1. Earn 4.25% value back on BPCL fuel spends through 13X reward points, with a capping of 1300 reward points in a billing cycle.
  2.  Receive 2,000 bonus Reward Points (worth Rs.500) upon payment of the joining fee.
  3. Enjoy a 1% fuel surcharge waiver on BPCL transactions up to ₹4,000 per swipe.
  4. Instantly redeem your reward points for fuel at BPCL outlets.
  5. Get 1% fuel surcharge waiver on every transaction of up to Rs.4,000.
  6. Save up to Rs.1,200 annually with a maximum surcharge waiver of Rs.100 per billing cycle.
  7. Get your annual fee waived off on completing spends worth Rs.50,000 and above in the previous year.
  8. Earn 5 reward points for every Rs.100 spent on dining, departmental stores, movies, and grocery, with a capping of 5000 reward points in a month.
  9. Get 1 reward point for every Rs.100 spent on other retail transactions.

BPCL SBI Card Octane  

  1. Get 6000 reward points as welcome benefit on paying the annual fees.
  2. Up to 7.25% savings on BPCL fuel (25Xreward points on fuel purchase up to a maximum of 2500reward points in billing cycle).
  3. Get 25 reward points for every Rs.100 spent on BPCL fuel, Bharat Gas, or lubricants.
  4. Get 10 reward points for every Rs.100 spent on dining, departmental stores, movies, and grocery, with a capping of 5000 reward points in a month.
  5. Get a 1% fuel surcharge waiver on fuel transactions of up to Rs.4,000 in a month, with a capping of 2,500 reward points in a billing cycle.
  6. Get four complimentary domestic lounge access annually.
  7. Get a gift voucher worth Rs.2,000 from Yatra/ Hush Puppies/ Aditya Birla Fashion on completing annual spends worth Rs.3 lakhs.
  8. You also get other benefits like fraud liability cover of Rs. 1 lakh with this credit card.
  9. Get your annual fee waived off on completing spends worth Rs.2 lakh and above in the previous year.

IndianOil RBL Bank XTRA Credit Card  

  1. On monthly spend of Rs.45,000, the card offers 250 liters of free petrol per year as fuel points.
  1. Get up to 8.5% savings on IndianOilfuel; 7.5% value back as 15 fuel points and 1% as fuel surcharge waiver.
  1. Get two fuel points for every Rs.100 spent on shopping and other related transactions
  1. Reward redemption: 1 Fuel Point is equal to Rs.0.50 and 1 XTRAREWARD Point equals Rs.0.30.
  1. Earn 3,000 Fuel Points by making your first transaction of Rs.500 or more within 30 days of receiving the card.
  1. 1000 Fuel Points offered on exceeding quarterly milestone Rs.75,000.
  1. Get annual fee waiver on completing spends worth Rs.2.75 lakh in the previous year

IndianOil Axis Bank Premium Credit Card  

  1. Earn 6X EDGE Miles for every Rs.150 spent at Indian Oil outlets.
  1. Get two EDGE MILES on every Rs.150 spent on grocery or supermarket transactions
  1. 1% unlimited Fuel Surcharge Waiver on fuel transactions at Indian Oil outlets.
  1. Get 500 EDGE MILES on your first spend within 30 days of card issuance.
  1. Earn 1 EDGE MILE reward point on every Rs.150 spent
  1. Get your annual fee waived off on completing transactions worth Rs.30,000 and above in an anniversary year

IndianOil Axis Bank Credit Card  

  1. Earn1250 EDGE reward points matching your first fuel spend (up to Rs.250) within 30 days of card issuance.
  1. Get 4% back as 20 EDGE reward points per Rs.100 on fuel purchases between Rs.400 and Rs.4,000 at IOCL outlets, capped at 1,000 points per month. Each EDGE reward point is worth Rs.0.20.
  1. Get 5 reward points for every Rs.100 spent on online shopping
  1. Get 1% waiver on fuel surcharge
  1. Get your annual fee waived off on completing transactions worth Rs.3.5 lakh and above
  1. Get a discount of up to 10% on movie tickets booked through BookMyShow app.

IndianOil Kotak Credit Card  

  1. Up to 5% savings on Indian Oil fuel
  1. Get 2% back as reward point on grocery and dining transactions
  2. Get 0.5% back as reward points on other transactions.
  1. 1% fuel surcharge waiver on fuel spends between Rs.100 to Rs.5,000 (capped at Rs.100 per month).

HPCL BOB Energie Credit Card  

  1. 5% Savings on fuel purchases at LPG and HPCL retail outlets.
  1. 1.5% cashback on fuel purchase through HP Pay app.
  1. 1% fuel surcharge waiver for transactions between Rs.400 and Rs.5,000 at HPCL fuel stations.
  1. 500 bonus Reward Points for spending Rs.5,000 within the first 60 days.
  1. Get your annual fee waived off on completing transactions worth Rs.50k in an anniversary year
  1. Get four complimentary lounge access every year, 1 every quarter

Indian Oil HDFC Bank Credit Card  

  1. 5% back as Fuel Points on IOCL fuel purchases.
  1. Complimentary Indian Oil XTRARE WARDS membership.
  1. 1% fuel surcharge waiver (up to Rs.250 per month, for transactions of at leastRs.400).
  1. Earn Fuel Points worth 5% on spends at Indian Oil outlets, as well as on groceries and bill payment sand 1 Fuel Points on all other transactions.
  1. Fuel Points can be redeemed at a rate of Rs.0.20 per point as a statement of credit or Rs.0.96 per point when converted into XtraRewards Points.

ICICI HPCL Coral Credit Card  

  1. Earn 6x to 12x reward points on iShop
  1. Save up to 3.5% fuel expenses at HPCL petrol pump
  1. 2.5% cashback on HPCL fuel (capped at Rs.100 per month).
  1. 1% fuel surcharge waiver on fuel expenses ranging from Rs.400 to Rs.4,000
  2. Get 25% discount up to Rs.100, twice a month on booking movie tickets

ICICI HPCL Super Saver Credit Card  

  1. Earn 6x to 12x reward points on iShop
  1. Up to 5% savings on HPCL fuel spends on HPCL petrol pumps and on HP Pay app.
  1. Get 2000 reward points as joining benefits
  1. Get 25% discount up to Rs.100, twice a month on booking movie tickets
  1. 1% fuel surcharge waiver applicable across all fuel spends.
  2. Get one complimentary domestic lounge access.

IDFC FIRST Power+ Credit Card  

  1. Save up to Rs.18,500 in a year with First Power+ credit card
  1. Get welcome benefit worth Rs.2500
  2. Save up to 6.5% on your fuel transactions
  1. Save 5% as rewards on utility, grocery transactions, and IDFC First FASTag recharge
  1. Earn 3x reward point UPI transactions and other retail transactions
  1. Get a Shoppers Stop Gift voucher worth Rs.250 on completing first UPI transaction within 15 days of card set-up
  1. On completing HPCL fuel transactions worth Rs.500 and above, get a gift voucher worth Rs.500
  1. Get one complimentary domestic lounge access ever on completing transactions worth Rs.20,000 in a month
  1. Get flat 25% off up to Rs.100 on booking movie tickets once in a month
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What is a Fuel Credit Card?

A fuel credit card is offered by banks to give customers maximum savings and benefits on fuel purchases. It helps frequent fuel buyers reduce their overall fuel expenses while also providing additional lifestyle perks and rewards. Beyond fuel, these cards often come with useful advantages that enhance everyday spending.

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.

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 fulfil are:

  1. Need to have a good credit score.
  2. 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. 

fuel credit cards
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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 regard to purchasing fuel, some other benefits that come with Fuel Credit cards are as follows:

  1. Get Reward Points
  2. Redemption of points earned
  3. Eligible for Cashback
  4. Eligible for Surcharge Waiver
  5. Dining offers
  6. BookMyShow Offer
  7. Eligible for Turbo Points
  8. Waiver of Annual Fees
  9. Can make utility bill payments
  10. Eligible for Telecom benefits
  11. Concierge Service

How to Choose the Best Fuel Credit Card in 2025?

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 

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. 

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 

The individual needs to analyse 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. 

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Why opt For a Fuel Credit Card?

The reasons for opting for fuel credit cards are given below: 

Fuel Savings 

  1. Save 1 to 2.5% via fuel surcharge waivers on fuel purchases. 
  1. It helps in cutting down fuel costs by additional cashback. 
  1. Ideal for frequent drivers and long road trips. 
  1. Compare cards to pick one with maximum savings on preferred fuel stations. 

Reward Points 

  1. Offers reward points on every fuel transaction. 
  1. Reward points can be redeemed for fuel, cashback, vouchers, or travel perks. 
  1. Some cards offer bonus points at specific fuel stations. 

Expense Management 

  1. No need for cash or multiple cards for fuel bill payments. 
  1. Easier to track and control fuel spending. 
  1. Look for cards with easy account access and mobile app support. 

Complimentary Benefits 

  1. Offers some additional benefits, such as roadside assistance, travel insurance, and hotel or dining discounts. 
  1. Great value-adds for frequent travelers that benefit that fit your lifestyle. 

Secure Transactions

  1. Fuel credit cards come with chip protection, two-factor authentication, and fraud monitoring. 
  1. Ensures safe and secure payments while travelling

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.

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