Best Fuel Credit Cards in India

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Best Fuel Credit Cards in India 2026

IndianOil RBL Bank XTRA Credit Card

4.1/5
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IndianOil RBL Bank XTRA Credit Card by RBL Bank
Joining Fee ₹1,500 + Taxes
Annual Fee ₹1,500 + Taxes
Best Suited For High Monthly Fuel & Petrol Expenditures via IndianOil Outlets
Rewards Type Reward Points

Rewards Rate

Up to 8.5% total fuel savings profile at IndianOil outlets

Welcome Benefits

Up to 3,000 fuel points reward points milestone on onboarding actions within 30 days

Card Details +

Key Advantages

  • ✓ Strong combined fuel savings from reward points plus surcharge waivers
  • ✓ 2X points on groceries and dining
  • ✓ An achievable annual spend target to waive the fee entirely

Limitations

  • ✕ Best fuel savings only apply at IndianOil outlets
  • ✕ No airport lounge access
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IndianOil Axis Bank Premium Credit Card

4.0/5
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IndianOil Axis Bank Premium Credit Card by Axis Bank
Joining Fee ₹1,000 + Taxes
Annual Fee ₹1,000 + Taxes
Best Suited For Fuel Spends at IndianOil and Moderate Point-to-Mile Redemptions
Rewards Type Reward Points

Rewards Rate

6 EDGE Miles per ₹150 spent on fuel transactions at authorized IndianOil outlets; 1 EDGE Mile per ₹150 spent on regular purchase streams

Welcome Benefits

N/A

Card Details +

Key Advantages

  • ✓ 1:1 redemption ratio when used for IndianOil fuel purchases
  • ✓ Points transfer to 15+ airline and hotel partners at a 2:1 ratio
  • ✓ Up to 30% discount on Zomato
  • ✓ Fee waived on ₹1 lakh in annual spend

Limitations

  • ✕ Core daily utilities, insurance payments, rental charges, and digital wallet top-ups are entirely excluded from reward point generation
  • ✕ Requires at least 500-510 accumulated EDGE Miles before you can redeem
  • ✕ No renewal or annual welcome gift milestones
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BPCL SBI Card Octane

4.0/5
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BPCL SBI Card Octane by SBI Card
Joining Fee ₹1,499* Plus Applicable Taxes
Annual Fee ₹1,499* Plus Applicable Taxes
Best Suited For High-Volume Commuters and Fuel Spends at BPCL Outlets
Rewards Type Reward Points

Rewards Rate

25X reward points (25 points per ₹100 spent) on BPCL fuel purchases (equivalent to up to 7.25% value back); 10X reward points on groceries, departmental stores, movie tickets, and dining spends

Welcome Benefits

N/A

Card Details +

Key Advantages

  • ✓ Up to 7.25% value back on BPCL fuel purchases
  • ✓ 10X points on groceries, department stores, dining and movies
  • ✓ Domestic airport lounge access included
  • ✓ Points redeem directly for BPCL fuel

Limitations

  • ✕ Fuel surcharge waiver protections are constrained by a strict monthly ceiling cap of ₹100
  • ✕ Low absolute baseline reward cash conversion valuation parity floor (4 points = ₹1)
  • ✕ Slightly lower fuel value-back than some competing fuel cards, like IndianOil RBL XTRA
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ICICI Bank HPCL Super Saver Credit Card

4.0/5
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ICICI Bank HPCL Super Saver Credit Card by ICICI Bank
Joining Fee Joining/Annual Fee: ₹500 + Taxes
Annual Fee Joining/Annual Fee: ₹500 + Taxes
Best Suited For Fuel Spends at HPCL Outlets via HP Pay and Daily Household Utility/Grocery Bills
Rewards Type Reward Points

Rewards Rate

4% savings (via 24 reward points per ₹100 spent) on fuel purchases at HPCL pumps when paid via the HP Pay App; 2.5% savings (via 15 reward points per ₹100 spent) on groceries, departmental stores, and utility bill payments; 2 reward points per ₹100 spent on all other retail transactions

Welcome Benefits

2,000 ICICI Bank Reward Points + ₹100 cashback in the HP Pay wallet upon card activation and meeting onboarding payment terms

Card Details +

Key Advantages

  • ✓ Up to 5% combined value back on HPCL fuel purchases (rewards plus surcharge waiver)
  • ✓ 2.5% back on groceries, utilities and department stores
  • ✓ Welcome bonus offsets the joining fee
  • ✓ Fee waived on ₹1.5 lakh in annual spend
  • ✓ Includes complimentary domestic airport lounge access

Limitations

  • ✕ The top 4% fuel rate only applies to payments made through the HP Pay app
  • ✕ Monthly statement cycle capping limits are tightly enforced across both fuel and lifestyle reward categories
  • ✕ Excludes traditional premium lifestyle rewards like international lounge access or movie milestone gift codes
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IDFC FIRST Power+ Credit Card

4.0/5
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IDFC FIRST Power+ Credit Card by IDFC FIRST Bank
Joining Fee Lifetime Free
Annual Fee Free
Best Suited For Fuel Spends at HPCL Pumps via HP Pay, Groceries, and Household Utility Bills
Rewards Type Reward Points

Rewards Rate

Save up to 6.5% on HPCL fuel spends when utilizing reward multipliers and the HP Pay App; includes savings on grocery, utility categories, and IDFC FIRST FASTag recharges

Welcome Benefits

N/A

Card Details +

Key Advantages

  • ✓ Up to 6.5% combined savings on HPCL fuel spends
  • ✓ Bonus rewards on groceries and utility bills
  • ✓ Rewards on FASTag toll recharges too
  • ✓ Domestic airport lounge access included
  • ✓ Low cash conversion reward redemption parity threshold

Limitations

  • ✕ Top fuel savings require paying through the HP Pay app
  • ✕ Monthly spend caps: ₹12,000 on HPCL fuel, ₹10,000 via HP Pay app, ₹2,000 on groceries/utilities, ₹1,000 on FASTag recharges
  • ✕ Lounge access privileges are conditional upon hitting quarterly spending thresholds
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HPCL ICICI Coral Credit Card

4.1/5
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HPCL ICICI Coral Credit Card by ICICI Bank
Joining Fee ₹199 + Taxes
Annual Fee ₹199 + Taxes
Best Suited For HPCL Fuel Pumps & Daily Commuters
Rewards Type Reward Points

Rewards Rate

2.5% cashback (up to ₹100) on HPCL fuel + 1% surcharge waiver; 2 points per ₹100 on retail; 1 point per ₹100 on utility & insurance

Welcome Benefits

Welcome benefits vary by current offer

Card Details +

Key Advantages

  • ✓ Up to 3.5% total savings on HPCL fuel (cashback + surcharge waiver)
  • ✓ 25% off (up to ₹100) on 2 BookMyShow/INOX movie tickets, twice a month
  • ✓ Very low ₹199 annual fee, among the cheapest fuel cards on the market
  • ✓ Fee waiver threshold (Annual fee waived on ₹50,000 annual retail spends)

Limitations

  • ✕ No airport lounge access, unlike ICICI HPCL Super Saver
  • ✕ Fuel cashback is capped at ₹100 per statement cycle
  • ✕ Base reward rate on non-fuel retail is a modest 2 points per ₹100
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IndianOil Kotak Credit Card

4.2/5
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IndianOil Kotak Credit Card by Kotak Bank
Joining Fee ₹499 + Taxes
Annual Fee ₹499 + Taxes
Best Suited For Fuel Spends at IndianOil Fuel Outlets
Rewards Type Reward Points

Rewards Rate

24 points per ₹150 on IndianOil fuel (~4% value-back, capped at 1,200 points/month); 1% fuel surcharge waiver; 2% on grocery & dining

Welcome Benefits

Welcome gift benefit on card activation & joining fee payment

Card Details +

Key Advantages

  • ✓ Up to 5% total value-back on IndianOil fuel (4% rewards + 1% surcharge waiver)
  • ✓ 2% value-back on grocery and dining spends
  • ✓ Personal accident insurance cover up to ₹2 Lakh
  • ✓ Fee waiver threshold (Annual fee waived on ₹50,000 annual retail spends)

Limitations

  • ✕ No airport or railway lounge access
  • ✕ Fuel rewards are capped at 1,200 points per month
  • ✕ Fuel surcharge waiver is capped at ₹100/month
Full Card Review →

Standard Chartered Super Value Titanium Credit Card

4.3/5
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Standard Chartered Super Value Titanium Credit Card by Standard Chartered
Joining Fee ₹750 + Taxes
Annual Fee ₹750 + Taxes
Best Suited For 5% Cashback on Fuel, Telecom & Utility Bills
Rewards Type Reward Points

Rewards Rate

5% cashback on fuel, telecom & utility bills (capped ₹100/transaction, ₹200-400/month per category); 1 point per ₹150 on other spends

Welcome Benefits

Welcome gift benefit on card activation & joining fee payment

Card Details +

Key Advantages

  • ✓ 5% cashback on fuel, telecom & utility bill payments
  • ✓ 100% cashback up to ₹1,500 on fuel transactions within the first 90 days
  • ✓ Minimum ₹750 transaction size unlocks the 5% telecom/utility rate
  • ✓ Fee waiver threshold (Annual fee waived on ₹90,000 annual retail spends)

Limitations

  • ✕ Fuel cashback is capped at just ₹100/month
  • ✕ Utility and telecom cashback are each capped at ₹100-200/month
  • ✕ Base rate on general spends is a modest 1 point per ₹150
Full Card Review →

HDFC IndianOil Credit Card

4.2/5
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HDFC IndianOil Credit Card by HDFC Bank
Joining Fee ₹500 + Taxes
Annual Fee ₹500 + Taxes
Best Suited For Fuel & Monthly Utility Spends at IndianOil
Rewards Type Reward Points

Rewards Rate

5% Fuel Points at IndianOil outlets, groceries, and bill payments

Welcome Benefits

500 Fuel Points upon payment of joining fee

Card Details +

Key Advantages

  • ✓ Earn up to 50 Liters of free fuel annually via Fuel Points
  • ✓ 5% Fuel Points at IndianOil outlets, groceries, and utility bills
  • ✓ 1% fuel surcharge waiver across IOCL outlets
  • ✓ Achievable annual fee waiver on ₹50,000 retail spends

Limitations

  • ✕ Fuel Points capped at 250 points/month for fuel spends
  • ✕ Reward rate drops on general retail spends outside IOCL network
  • ✕ Fuel points value maximized primarily at IOCL pumps
Full Card Review →

Fuel Cards at a Glance

Best Fuel Credit Cards Comparison Table
Card Fee Rating
1. IndianOil RBL Bank XTRA Credit Card ₹1,500 + Taxes ★ 4.1 View →
2. IndianOil Axis Bank Premium Credit Card ₹1,000 + Taxes ★ 4.0 View →
3. BPCL SBI Card Octane ₹1,499* Plus Applicable Taxes ★ 4.0 View →
4. ICICI Bank HPCL Super Saver Credit Card Joining/Annual Fee: ₹500 + Taxes ★ 4.0 View →
5. IDFC FIRST Power+ Credit Card Free ★ 4.0 View →
6. HPCL ICICI Coral Credit Card ₹199 + Taxes ★ 4.1 View →
7. IndianOil Kotak Credit Card ₹499 + Taxes ★ 4.2 View →
8. Standard Chartered Super Value Titanium Credit Card ₹750 + Taxes ★ 4.3 View →
9. HDFC IndianOil Credit Card ₹500 + Taxes ★ 4.2 View →

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