Friends, petrol prices are rising every day, and how much does it cost to fill the tank every month? But if I tell you that there are some credit cards that are lifetime free – meaning zero joining fee, zero annual fee – and offer cashback on fuel, surcharge waiver, or free fuel rewards, wouldn’t you be interested?
These cards have become even more amazing in 2025, with AI features and extra perks like roadside assistance. I checked the latest offers, and these cards are a game-changer for daily commuters. Let’s take a simple look at the top best Fuel Credit Cards options, how to apply, and which one is best for you!
What are these Lifetime Free Fuel Cards?
These cards are completely free – no hidden charges. Just use them and save on fuel. You get a fuel surcharge waiver (up to 1%, up to ₹100/month), cashback of 1-5%, and free fuel by redeeming reward points.
Perfect for those who ride a bike or car daily. Plus, some cards offer extra rewards on groceries or dining. Eligibility is simple: Indian citizen, 18+ years of age, stable income, and a CIBIL score of 750+ (some even accept 700).
Top Lifetime Free Fuel Credit Cards 2025
Here are the top 5 cards that focus on fuel. I’ve listed their latest benefits as of 2025 – cashback, waivers, and extra perks.
IndianOil HDFC Bank Credit Card
Fuel boss! 5% savings on IndianOil outlets (4% as Fuel Points + 1% surcharge waiver). 250 points/month bonus in the first 6 months, then 150. Redeem and get 50 liters of free fuel throughout the year. 1 point/₹150 on groceries too. Zero fees forever!
BPCL SBI Card
For Bharat Petroleum lovers. 4.25% value back on BPCL fuel (cashback + waiver). Up to ₹100/month surcharge savings. Extra 1% on groceries/dining. Lifetime free, and welcome gift in 500 points.
Airtel Axis Bank Credit Card
Airtel users chill! 1% cashback on fuel (up to ₹100/month waiver), plus 10% off on Airtel bills. 5% on Swiggy/Zomato. Zero fees, and extra rewards on UPI spends.
Fibe Axis Credit Card
For daily commuters. 3% cashback on fuel, local travel, food delivery. Up to ₹1,500/month cap, 1% waiver on fuel. Lounge access and dining discounts for free!
Citi IndianOil Credit Card
Reward points king. 25 points/₹100 on IndianOil fuel (redeem for free fuel). 2 points on other spends. Zero fees, and 5% extra on groceries/movies.
Using these cards can easily save ₹1,200-5,000 a year, depending on how much fuel you use.
| Card Name | Fuel Rewards | Annual Free Fuel | Other Benefits |
|---|---|---|---|
| IndianOil HDFC | 5% (4% points + 1% waiver) | 50 liters | 1 point on groceries/₹150 |
| BPCL SBI | 4.25% (cashback + waiver) | 20-30 liters | 1% extra on dining |
| Airtel Axis | 1% cashback + waiver | 10-15 liters | 5% off on Swiggy |
| Fibe Axis | 3% cashback | 15-20 liters | Lounge access |
| Citi IndianOil | 25 points/₹100 | 30-40 liters | 5% rewards on movies |
Pros and Cons
Pros:
- Zero fees – lifetime free, no tension of annual charges.
- Direct savings on fuel: 1-5% cashback or discount, save ₹1,000+ a year.
- Extra perks like groceries, dining, or UPI rewards.
- Easy apply: Online banking apps, 21-65 years old, good CIBIL.
- Redeem points for free fuel or vouchers.
Cons:
- Fuel limits: Like ₹100/month waiver cap, won’t be available if you spend too much.
- Specific outlets: Some cards only work with IndianOil/BPCL.
- Credit score required: If you don’t have a 750+ score, you may be rejected.
- International usage may incur extra fees.
Conclusion
Lifetime free fuel credit cards could halve your petrol expenses by 2025 – get 50 liters of free fuel with cards like IndianOil and HDFC, without paying a single penny! If you’re a daily commuter, start with Airtel, Axis, or Fibe Axis.
Check your CIBIL before applying and fill out the online form using your bank apps. Let us know in the comments which card you should try and why? Also check out offers on Flipkart or Amazon – you might get a welcome bonus!
