Best Credit Card for Fuel in India
With rising petrol and diesel prices, fuel expenses have become a major part of every Indian’s monthly budget. But did you know that using the right credit card can help you save 3%–7% every time you refuel?
Yes — several Indian banks now offer fuel credit cards that give cashback, surcharge waivers, and reward points on petrol and diesel purchases.
In this detailed 2025 guide, let’s explore the best credit cards for fuel in India, their benefits, fees, eligibility, and how you can maximize fuel savings.
💡 Why Choose a Fuel Credit Card?
Fuel credit cards are designed specifically for people who travel frequently or use their own vehicles daily.
Here’s why they’re worth it:
- Save ₹2,000–₹10,000 annually on fuel expenses.
- Get 1% fuel surcharge waiver on every refueling.
- Earn cashback or reward points redeemable for fuel or shopping.
- Accepted at IndianOil, HPCL, BPCL and major petrol pumps.
🏆 Top 7 Best Credit Cards for Fuel in India (2025)
Here are the most rewarding credit cards for fuel users in India this year 👇
1. IndianOil Axis Bank Credit Card
- Fuel Partner: IndianOil
- Cashback/Rewards: 4% value back on fuel at IndianOil pumps.
- Annual Fee: ₹500 (waived on ₹50,000 annual spend)
- Highlight: 1% fuel surcharge waiver + 20 reward points per ₹100 fuel spend.
- Best For: Daily commuters and city drivers.
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2. BPCL SBI Card Octane
- Fuel Partner: Bharat Petroleum (BPCL)
- Cashback/Rewards: 7.25% total value back on fuel spends.
- Annual Fee: ₹1,499
- Highlight: 25X reward points on BPCL fuel purchase.
- Best For: Frequent travelers using BPCL outlets.
3. HPCL Bank of Baroda ENERGIE Credit Card
- Fuel Partner: HPCL
- Cashback/Rewards: 6.5% value back on HPCL fuel spends.
- Annual Fee: ₹499
- Highlight: Cashback credited as reward points redeemable for fuel.
- Best For: HPCL loyal customers and bike users.
4. HDFC Bharat Cashback Credit Card
- Fuel Partner: All major outlets (HPCL, BPCL, IOCL)
- Cashback/Rewards: 5% on fuel, groceries, and bill payments.
- Annual Fee: ₹500 (waived on ₹50,000 annual spend)
- Highlight: Cashback auto-credited every month.
- Best For: All-round fuel + daily expenses savings.
5. ICICI Bank HPCL Coral Credit Card
- Fuel Partner: HPCL
- Cashback/Rewards: 4% cashback on HPCL fuel + 2.5% reward on Payback.
- Annual Fee: ₹199 (waived on ₹50,000 spend/year)
- Highlight: 1% fuel surcharge waiver across HPCL stations.
- Best For: Low annual fee seekers.
6. Standard Chartered Super Value Titanium Card
- Fuel Partner: All petrol pumps
- Cashback/Rewards: 5% on fuel, phone bills, and utility payments.
- Annual Fee: ₹750
- Highlight: Accepted across all fuel brands.
- Best For: Mixed-use spenders who pay bills + fuel via card.
7. IndianOil Citi Platinum Credit Card
- Fuel Partner: IndianOil
- Cashback/Rewards: 4 Turbo Points per ₹150 spent on fuel.
- Annual Fee: ₹1,000 (waived on ₹30,000 spend/year)
- Highlight: Turbo Points redeemable instantly for free fuel.
- Best For: City car owners who prefer IndianOil.
📊 Quick Comparison Table
| Credit Card | Fuel Partner | Cashback/Rewards | Annual Fee (₹) | Best For |
|---|---|---|---|---|
| IndianOil Axis Bank | IndianOil | 4% value back | 500 | Daily commuters |
| BPCL SBI Octane | BPCL | 7.25% value back | 1499 | Long-distance drivers |
| HPCL BoB ENERGIE | HPCL | 6.5% value back | 499 | HPCL users |
| HDFC Bharat Cashback | All | 5% cashback | 500 | Multi-purpose spenders |
| ICICI HPCL Coral | HPCL | 4% cashback | 199 | Budget users |
| SC Super Value Titanium | All | 5% cashback | 750 | Bill + fuel users |
| IndianOil Citi Platinum | IndianOil | 4 Turbo Points | 1000 | IndianOil customers |
🧾 Example of Annual Savings
If you spend ₹8,000/month on fuel = ₹96,000/year.
Using BPCL SBI Card Octane (7.25% cashback):
- Annual cashback = ₹6,960
- Plus surcharge waiver (~₹960)
- Total annual savings = ₹7,900 💰
💡 How to Choose the Best Fuel Credit Card
- Check Which Fuel Brand You Use Most – IOCL, BPCL, or HPCL.
- Compare Cashback vs. Reward Points – Direct cashback is easier to redeem.
- Look for Surcharge Waiver – Usually 1% on ₹400–₹4,000 fuel spends.
- Avoid Cards with High Fees – Choose cards with annual fee waiver options.
- Use the Same Card for All Refueling – Maximizes reward accumulation.
🧠 Tips to Maximize Fuel Cashback
- Always refuel at partner petrol pumps for full benefit.
- Pay via credit card terminal (not wallet) to ensure cashback credit.
- Combine bank cashback offers + card rewards during promotions.
- Redeem points regularly to avoid expiry.
- Keep monthly fuel spends above ₹3,000 to qualify for fee waivers.
⚠️ Common Mistakes to Avoid
- Using the wrong card at non-partner petrol pumps.
- Ignoring annual fee conditions.
- Not checking minimum transaction value for cashback.
- Carrying forward unpaid bills (interest nullifies benefits).
🏁 Conclusion
The best credit card for fuel in India (2025) depends on your fuel brand and spending pattern:
- 🚗 Best Overall: BPCL SBI Card Octane – Highest cashback (7.25%)
- 🛵 Best Budget Card: ICICI HPCL Coral – Low annual fee, good value
- 🚙 Best for IndianOil Users: IndianOil Axis Bank Card
- 💡 Best All-Rounder: HDFC Bharat Cashback Card – Fuel + daily expenses
