Friends, if you find yourself standing at the petrol pump every month and seeing your fuel surcharge bill frustrating, then listen up! In 2025, there are some credit cards that waive this surcharge – meaning direct savings!
I’ve checked out the latest offers and features, and these cards could be game-changers for you. Let’s take a simple look at which card is best for you, how much you’ll save, and why you should get one!
What is a Fuel Surcharge Waiver and why is it important?
Fuel surcharges are the extra 1-2.5% added at the petrol pump when you pay with cash or a regular card. But these cards waive them, saving you 1-2 rupees per liter.
If you consume 500-1000 liters a month, you’ll save thousands a year! Plus, you get bonuses like rewards, cashback, and lounge access. These cards come with updated limits and better perks in 2025.
Top Fuel Waiver Cards: Quick Look
Here are some of the top cards that are perfect for fuel lovers in 2025. I compared their waiver limits, fees, and extra benefits.
HDFC Bank IndianOil Credit Card: Budget King
If you are a regular customer of IOCL stations, this card is a great fit! 1% surcharge waived on fuel up to ₹3,000 per month (max ₹250/month). Plus, 5% savings on IOCL as points.
Annual fee is only ₹500, and the first year is free. Extra: 25 domestic lounge visits throughout the year. If you commute within the city, this will easily save ₹3,000 a year.
BPCL SBI Card: For Points Lovers
This SBI and BPCL combo is great for fuel points. ₹100/month discount on transactions up to ₹3,500. 4.25% points on BPCL, redeemable for fuel or vouchers.
Joining fee is ₹1,499, but you get buy-one-get-one offers on movie tickets. If you also see movies with your family, this will give you double the benefit. ₹1,200 savings throughout the year, plus extra points.
ICICI Bank HPCL Super Saver: Cashback Boss
HPCL users, listen up! This card offers 5% cashback on HPCL and a ₹200/month discount on transactions up to ₹5,000. Milestone rewards are also available – spend ₹1.5 lakh and get ₹1,500 cashback.
Annual fee is ₹1,500, but the first year is free. Extra perks on travel insurance and groceries. If you take highway trips, this card will reduce your fuel bills – a maximum ₹2,400 savings per year.
Axis Bank IndianOil RuPay: UPI Users’ Choice
This card is a great option for those who pay with UPI! ₹150/month discount on up to ₹2,500, and 1% unlimited cashback on every transaction. Join digital for zero fees.
Fast UPI payments via the RuPay network, and extra points on IOCL. If you prefer to live cashless, this is a simple and cost-effective option – ₹1,800 a year.
Standard Chartered Super Value Titanium: All-Rounder
This card covers both groceries and fuel. ₹250/month discount on up to ₹4,000, and 5% cashback on groceries. Annual fee ₹750, first year free. Travel insurance up to ₹1 crore! If you also shop for fuel, this is a balanced choice. Max ₹3,000 fuel savings, plus lifestyle perks.
Conclusion
Fuel prices are rising in 2025, so saving with these cards is a smart move! If you’re an IOCL user, choose HDFC or IndianOil; if you’re a BPCL user, choose SBI.
Choose based on your commute and spending – you’ll save thousands of rupees throughout the year. Apply on bank websites or apps and check eligibility. Tell us in the comments which card you’d try and why? Don’t miss out on offers!
