Friends, do you wish you could save some money every time you pay the bill at the petrol pump? Fuel prices are skyrocketing these days, and if you drive every day, this expense can be heavy on your pocket. But wait! By choosing the right credit card, you can save a lot on every fuel purchase.
Today I will tell you about the top fuel credit cards in India, which will not only give cashback and rewards on petrol and diesel, but will also make your daily expenses smart. So, without delay, let’s check out the details of these cards!
Why do you need a fuel credit card?
Fuel credit cards are specially designed for those who drive a vehicle (car or bike) and spend a lot on petrol and diesel every month. These cards not only offer cashback, reward points or surcharge waivers on fuel, but also offer benefits on grocery, dining and online shopping.
Choosing the right card can save you thousands of rupees every year. But, with so many options in the market, choosing the right card can be difficult. Don’t worry, I have compiled a list of top cards for you that offer maximum value at fuel stations like IOCL, BPCL, and HPCL.
Top 5 Credit Cards for Fuel Purchase in India (2025)
Here I have selected some credit cards that offer the most savings on fuel. These cards are not only beneficial on fuel, but their other benefits will also upgrade your lifestyle.
1. IndianOil RBL Bank XTRA Credit Card
If you mostly fill fuel at IndianOil (IOCL) pumps, then this card is best for you. According to the RBL Bank website, this card gives up to 8.5% value-back.
Key Features:
- 15 fuel points on every ₹100 fuel spend (7.5% value-back).
- 1% fuel surcharge waiver (up to ₹200 per month).
- 1,000 fuel points on ₹75,000 quarterly spend.
- Joining benefit: 3,000 fuel points on every ₹500 spend.
- Joining/Annual Fee: ₹1,499 + GST (waiver on ₹2,75,000 spend).
2. BPCL SBI Card Octane
This card from SBI Card is great for those using BPCL pumps. It gives up to 7.25% value-back.
Key Features:
- 25 reward points per ₹100 spent at BPCL pumps (6.25% value).
- 1% surcharge waiver (up to ₹4,000).
- Extra rewards on grocery and dining.
- Joining/Annual Fee: ₹1,499 + GST.
3. IndianOil HDFC Bank Credit Card
This HDFC Bank card is great for IOCL users, offering up to 50 litres of free fuel every year.
Key Features:
- 5% fuel points at IOCL pumps (250 points/month in first 6 months).
- 5% fuel points on grocery and bill payments.
- 1% surcharge waiver (on ₹400+ transactions).
- Joining/Annual Fee: ₹500 + GST (waiver on ₹50,000 spend).
4. ICICI Bank HPCL Super Saver Credit Card
This ICICI Bank card for HPCL pumps offers up to 5% savings.
Key Features:
- 2.5% cashback + 1% surcharge waiver at HPCL pumps.
- 2000 reward points = ₹500 fuel.
- 25% discount on BookMyShow (up to ₹100, twice/month).
- Joining/Annual Fee: ₹199 + GST (waiver on ₹50,000 spend).
5. IndianOil Kotak Credit Card
This Kotak Mahindra Bank card offers up to 5% savings at IOCL pumps.
Key Features:
- 24 reward points (4% value) on every ₹150 spent at IOCL pumps.
- 2% rewards on Grocery & Dining.
- 1% surcharge waiver (on ₹100-₹5,059 transactions).
- Joining/Annual Fee: ₹449 + GST (waiver on ₹50,000 spends).
Comparison: Top Fuel Credit Cards
| Credit Cards | Key Benefits |
|---|---|
| IndianOil RBL Bank XTRA | 7.5% fuel points, 1% surcharge waiver, fee waiver on ₹2,75,000 spends |
| BPCL SBI Card Octane | 6.25% rewards, 1% surcharge waiver, extra benefits on grocery/dining |
| IndianOil HDFC Bank | 5% fuel points, 50 litres of free fuel/year, fee waiver on ₹50,000 spends |
| ICICI Bank HPCL Super Saver | 2.5% cashback, 1% surcharge waiver, BookMyShow discount, ₹199 annual fee |
| IndianOil Kotak | 4% rewards, 1% surcharge waiver, grocery/dining benefits, ₹449 annual fee |
Which card is best for you Is it?
- IOCL users: Choose IndianOil RBL Bank XTRA or HDFC Bank card. RBL offers more rewards but HDFC has lower fees.
- BPCL users: BPCL SBI Card Octane is best, especially if you want to save on groceries and dining as well.
- HPCL users: ICICI Bank HPCL Super Saver is a good option with low fees and good rewards.
- Low budget: Kotak or ICICI cards are good with low fees and easy waiver conditions.
Smart tips to save more on fuel
- Use partner pumps: Always fill up at the card’s partner fuel stations (IOCL, BPCL, HPCL).
- Redeem rewards: Redeem fuel points on time, as most points expire after 2 years.
- Use UPI: Some cards (like Kotak) also offer rewards on UPI transactions.
- Track fee waivers: Meet the required spends for annual fee waiver.
- Loyalty programmes: Register for fuel station loyalty programmes to get additional benefits along with credit card rewards.
FAQs
What is a fuel credit card?
Fuel credit cards are specifically designed to offer cashback, reward points, and surcharge waivers on fuel purchases. These cards are designed to offer higher benefits at fuel stations like IOCL, BPCL, or HPCL.
Do fuel credit cards offer benefits only on fuel?
No, most fuel cards also offer rewards on grocery, dining, and online shopping, like the IndianOil HDFC Bank card.
Which card offers the best fuel savings?
The IndianOil RBL Bank XTRA card offers up to 8.5% value-back, which is best for IOCL users.
Are fuel cards good for budget spenders too?
Yes, cards like ICICI Bank HPCL Super Saver (₹199 fee) and Kotak IndianOil (₹449 fee) are also beneficial for budget spenders.
What is fuel surcharge waiver?
Fuel surcharge waiver means that the 1% extra charge levied on fuel purchases is waived off, which most cards offer on transactions between ₹400-₹4,000.
Now that you have all the information, guys. Choosing the right Credit Cards for Fuel Purchase can help you save smartly every month. Choose the card that suits your fuel station and spending habits, and apply today. If you have any questions, ask in the comments.
