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.
Credit Card | Joining Fee | Annual Fee |
Rs.499 plus taxes | Rs.499 | |
Rs.1,499 plus GST | Rs.1,499 plus GST (Waived off on spending Rs.2 lakh or more annually) | |
Rs.1,500 plus GST | Rs.1,500 (Waived off on spending Rs.2.75 lakh annually) | |
Rs.1,000 plus GST | Waived off on spending Rs.1 lakh or more | |
Rs.500 | Rs.500 second year onwards | |
Rs.449 | Rs.449 (waived off on spending Rs.50,000 in the previous year) | |
Rs.499 | Waived off on spending Rs.50,000 in an anniversary year | |
Rs.500 plus GST | Rs.500 plus GST (waived off on spending Rs.50,000 and above in the previous year) | |
Rs.199 plus GST | Rs.199 plus GST (waived off on spending Rs.50,000 in the previous year) | |
Rs.500 plus GST | Rs.500 plus GST (waived off on spending Rs.1,50,000 and above in the previous year) | |
Rs.199 plus GST | Rs.199 | |
Rs.499 plus GST | Rs.499 |
We found 2 Credit Cards
Fee Details
Joining Perks
Rewards
Documents
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
Think about
Not Applicable
Fee Details
Joining Perks
Rewards
Documents
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
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 |
|
BPCL SBI Card Octane |
|
IndianOil RBL Bank XTRA Credit Card |
|
IndianOil Axis Bank Premium Credit Card |
|
IndianOil Axis Bank Credit Card |
|
IndianOil Kotak Credit Card |
|
HPCL BOB Energie Credit Card |
|
Indian Oil HDFC Bank Credit Card |
|
ICICI HPCL Coral Credit Card |
|
ICICI HPCL Super Saver Credit Card |
|
IDFC FIRST Power+ 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.
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.
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:
Note: The eligibility criteria may vary depending on the bank policy.

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:
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. |
The reasons for opting for fuel credit cards are given below:
Fuel Savings
Reward Points
Expense Management
Complimentary Benefits
Secure Transactions

You will have to apply for a Fuel Credit card by visiting your bank branch from which you want to avail a 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.
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.
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.
A fuel card is a payment card which can be used for the purchase of petrol and diesel at pumps.

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