With fuel prices constantly changing, a fuel credit card can help you save money on every refill. Top banks like HDFC, SBI, Axis, and ICICI offer these cards in partnership with Indian Oil, BPCL, and HPCL, providing benefits like 1 to 2.5% fuel surcharge waivers, up to 5% cashback, and reward points. Some cards also offer roadside assistance and insurance. The annual fees range from ₹0 to ₹5,000, with interest rates of 3.25% to 3.40% per month. Whether for daily travel or long drives, these cards make fuel expenses lighter. Let us explore the best fuel credit cards in India to save more!
| Fuel credit cards with cashback help you save on rising petrol and diesel prices. You can get back some of what you spend on fuel. They also offer waivers on fuel surcharges and extra reward points, which can be used for rewards or more fuel. |
Best Fuel Credit Cards in India 2025
Let us look at the top fuel credit cards in India for 2025 that offer good rewards and cashback benefits:
| Credit Card | Annual Fee | Reward Points |
|---|---|---|
| BPCL SBI Credit Card | ₹499 + GST | Earn 5X Reward Points on ₹100 spent at select categories. |
| Indian Oil Kotak Credit Card | ₹449 + GST | Earn 5% off on IndianOil fuel, 2% back on groceries and dining, and 0.5% back on other purchases. |
| ICICI HPCL Coral Credit Card | ₹199 + GST | Get 2.5% cashback on HPCL fuel (up to ₹100/month) and 2 Reward Points per ₹100 spent (excluding fuel) for various redemptions. |
| IndianOil HDFC Bank Credit Card | ₹199 + GST | Earn 5% Fuel Points on Indian Oil fuel, groceries, and bills. Get 1 Fuel Point per ₹150 spent on other purchases, including UPI transactions. |
| ICICI HPCL Super Saver Credit Card | ₹500 + GST |
|
| IndianOil Axis Bank Credit Card | ₹500 + GST | Earn 4% value back with 20 reward points per ₹100 spent on IndianOil fuel purchases. |
| IDFC First HPCL Power+ RuPAY Credit Card | ₹499 | Earn up to 6.5% savings on HPCL fuel and 5% savings on grocery, utility bills, and IDFC FASTag recharges. |
| HPCL BoB Energie Credit Card | ₹499 + GST | Earn up to 5% savings on HPCL fuel & LPG with 24 reward points per ₹150 spent. Get 2% savings on utility & departmental store spends and 2 reward points per ₹150 on other purchases. |
| IndiaOil RBL Bank XTRA Credit Card | ₹1,500 + GST | Earn 3,000 Fuel Points on your first ₹500 transaction within 30 days of card issuance. |
| BPCL SBI Octane Credit Card | ₹1,499 | Earn 1 reward point per ₹100 spent with bonus points on select categories. |
BPCL SBI Credit Card
The BPCL SBI Credit Card is designed for fuel savings, offering reward points, cashback, and surcharge waivers on Bharat Petroleum (BPCL) fuel transactions.
Welcome Benefits: Get 2,000 Reward Points worth ₹500 as an activation bonus.
Key Features of BPCL SBI Credit Card
- Contactless Payment
- Simply wave your card at a secure reader to complete a transaction.
- Fast & Convenient: No need to enter a PIN for small-ticket purchases.
- Global Acceptance
- Use your BPCL SBI Card at over 24 million outlets worldwide, including 3.25 lakh outlets in India.
- Accepted at any store that supports Visa or MasterCard transactions.
- Add-on Cards
- Get free add-on cards for your parents, spouse, children, or siblings (18+ years).
- Utility Bill Payments
- Pay your electricity, telephone, mobile, and other bills via the Easy Bill Pay facility.
- Balance Transfer on EMI
- Transfer outstanding dues from other credit cards to BPCL SBI Card.
- Enjoy a lower interest rate and easy EMI repayments.
- Flexipay (EMI Facility)
- Convert any purchase of ₹2,500 or more into monthly EMIs.
Fees & Charges of BPCL SBI Credit Card
| Charge Type | Amount |
|---|---|
| Joining Fee (One-time) | ₹499 + GST |
| Annual Renewal Fee | ₹499 + GST (waived if annual spend ≥ ₹50,000) |
| Add-on Card Fee | Nil |
| Balance Transfer on EMI | Lower interest rates available |
| Flexipay Conversion | Available for transactions ≥ ₹2,500 |
| Cash Withdrawal Charges | Applicable (refer to SBI Card website) |
| Fuel Surcharge Waiver | Available (as per card benefits) |
|
Indian Oil Kotak Credit Card
The IndianOil Kotak Credit Card is made for fuel savings and everyday expenses. With this card, you can save on fuel, groceries, dining, and other purchases, while enjoying additional benefits like concierge services, accident insurance, and fee waivers.
Key Benefits of Indian Oil Kotak Credit Card
- Fuel Savings & Rewards
- Save up to 5% on IndianOil fuel purchases (4% as reward points + 1% fuel surcharge waiver).
- Earn 24 reward points per ₹150 spent on IndianOil fuel transactions (capped at 1,200 points per cycle).
- Additional Rewards
- 2% back as reward points on grocery & dining spends (12 points per ₹150 spent, capped at 800 points per cycle).
- 0.5% back on all other spends (3 reward points per ₹150 spent).
- UPI transactions also earn 0.5% reward points per ₹150 spent.
- Welcome Bonus
- Get 1,000 reward points on spending ₹500 within 30 days of card issuance (valid for joining fee cards).
- Annual Fee Waiver
- The ₹449 annual fee is waived if you spend ₹50,000 in the previous anniversary year.
- Fuel Surcharge Waiver
- 1% fuel surcharge waiver on fuel transactions between ₹100 – ₹5,000 (max waiver: ₹100 per statement cycle, only at IndianOil outlets).
Fees & Charges of Indian Oil Kotak Credit Card
| Fee Type | Amount |
|---|---|
| Joining Fee | ₹449 |
| Annual Fee | ₹449 (waived on ₹50,000 yearly spend) |
| Interest on Outstanding Balance | 3.5% per month (42% annually) |
| Add-on Card Fee | NIL |
| Minimum Amount Due (MAD) | 5% or 10% of Total Amount Due |
| ATM Cash Withdrawal/Cash Advance (per ₹10,000) | ₹300 |
| Late Payment Charges | ₹100 – ₹1,200 (varies by due amount) |
| Over Limit Charges | ₹500 |
| Cheque Bounce Charges | ₹500 |
| Foreign Currency Markup | 3.50% |
| Cash Payment Fee at Bank | ₹100 |
| Reissue/Replacement Card Fee | ₹100 |
| Railway Booking Surcharge | 1.8% – 2.5% (as applicable) |
| GST & Other Taxes | As per applicable government rates |
|
For Assistance call: 1800 209 0000 |
ICICI HPCL Coral Credit Card
The ICICI Bank HPCL Coral Credit Card is designed to help you save on fuel expenses while offering additional perks on dining, movies, and rewards.
Key Benefits of ICICI HPCL Coral Credit Card
- Fuel Savings
- Get 2.5% cashback on fuel purchases at HPCL fuel stations.
- Enjoy a 1% fuel surcharge waiver on every fuel transaction.
- Reward Points
- Earn 2 PAYBACK points per ₹100 spent (excluding fuel purchases).
- Redeem 2,000 PAYBACK points for ₹500 worth of fuel at HPCL outlets.
- Movie Benefits
- Get ₹100 off on up to two movie tickets per month when booking via BookMyShow.
- Dining Discounts
- Enjoy a minimum of 15% off at 800+ restaurants across India with the Culinary Treats Programme.
Fees & Charges of ICICI HPCL Coral Credit Card
| Fee Type | Amount |
|---|---|
| Joining Fee | ₹199 |
| Annual Fee | ₹199 |
| Interest Rate | 40.8% per annum |
| Late Payment Charges | |
| Below ₹100 | NIL |
| ₹100 – ₹500 | ₹100 |
| ₹501 – ₹5,000 | ₹500 |
| ₹5,001 – ₹10,000 | ₹750 |
| ₹10,001 – ₹25,000 | ₹900 |
| ₹25,001 – ₹50,000 | ₹1,000 |
| Above ₹50,000 | ₹1,200 |
|
For Assistance: 18001080 |
IndianOil HDFC Bank Credit Card
The IndianOil HDFC Bank Credit Card is made to help you save on fuel purchases while offering additional benefits on groceries, bill payments, and other spending. It also includes perks like fuel surcharge waivers, EMI options, and contactless payments for added convenience.
Key Benefits of IndianOil HDFC Bank Credit Card
- Fuel Savings & Rewards
- Earn up to 50 liters of free fuel annually through Fuel Points.
- Get 5% Fuel Points on IndianOil fuel spends (max 250 points/month for the first 6 months, then 150 points/month).
- 5% Fuel Points on groceries and bill payments (max 100 points/month per category).
- 1 Fuel Point per ₹150 spent on all other purchases, including UPI transactions.
- Redemption & Validity
- Redeem Fuel Points for free fuel at IndianOil petrol stations via the XTRAREWARDS™ Program (IXRP) (1 Fuel Point = 96 paise).
- Convert Fuel Points into statement cashback (1 Fuel Point = 20 paise).
- Fuel Points are valid for 2 years.
- Fuel Surcharge Waiver
- 1% fuel surcharge waiver on transactions ₹400 – ₹5,000 (max ₹250 cashback per statement cycle).
- Renewal Offer
- Annual fee waiver on spending ₹50,000 or more in the first year.
Fees & Charges of IndianOil HDFC Bank Credit Card
| Fee Type | Amount |
|---|---|
| Joining Fee | ₹500 + Taxes |
| Annual Renewal Fee | ₹500 + Taxes (Waived on ₹50,000 annual spend) |
| Interest Rate | 3.60% per month |
| Late Payment Charges | |
| Below ₹100 | NIL |
| ₹100 – ₹500 | ₹100 |
| ₹501 – ₹5,000 | ₹500 |
| ₹5,001 – ₹10,000 | ₹600 |
| ₹10,001 – ₹25,000 | ₹800 |
| ₹25,001 – ₹50,000 | ₹1,000 |
| Above ₹50,000 | ₹1,300 |
|
For Assistance: Accessible Across India For Customers Traveling Abroad For Diners Black and Infinia Credit Card Holders |
ICICI HPCL Super Saver Credit Card
The ICICI Bank HPCL Super Saver Credit Card is designed to offer fuel savings, entertainment discounts, and airport lounge access, making it a great choice for frequent travelers and movie lovers.
Key Benefits of ICICI HPCL Super Saver Credit Card
- Movie Discounts
- Get 25% off (up to ₹100) on a minimum purchase of two movie tickets per transaction.
- Offer valid twice a month on BookMyShow and INOX individually.
- Cashback for BookMyShow bookings is credited within 60 days instead of an upfront discount.
- Airport Lounge Access
- Enjoy 1 complimentary domestic airport lounge access per quarter.
- To unlock access, spend ₹75,000 in the previous calendar quarter.
- Fuel & Savings Benefits
- Designed for fuel spending with additional cashback and reward points on fuel purchases.
- Security Features
- Chip & PIN technology for enhanced security against fraud and duplication.
- PIN is required for in-store transactions, but not for online payments.
Fees & Charges of ICICI HPCL Super Saver Credit Card
| Fee Type | Amount |
|---|---|
| Joining Fee | ₹500 |
| Annual Fee | ₹500 |
| Welcome Rewards | 2,000 reward points on spending ₹500 |
|
For Assistance: 18001080 |
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IndianOil Axis Bank Credit Card
The Axis Bank IndianOil Credit Card is designed for fuel savings, offering cashback, reward points, and entertainment discounts. It also provides a fuel surcharge waiver and exclusive welcome benefits.
Key Benefits of IndianOil Axis Bank Credit Card
- Welcome Benefits
- You can get an Amazon voucher worth ₹500.
- 100% cashback (up to ₹500) on fuel transactions made within 30 days of card issuance (limited-time offer).
- Reward Points
- Earn 20 Edge Reward Points per ₹100 spent at IOCL petrol pumps (for transactions up to ₹5,000/month).
- Get 5 Edge Points per ₹100 spent on online transactions.
- Earn 1 Edge Reward Point per ₹100 spent on all other purchases.
- Movie Benefits
- 10% discount on movie ticket bookings via BookMyShow.
- Fuel Surcharge Waiver
- 1% fuel surcharge waiver on transactions between ₹200 – ₹5,000 (max ₹50 waiver per month).
Fees & Charges of IndianOil Axis Bank Credit Card
| Fee Type | Amount |
|---|---|
| Joining Fee | ₹500 |
| Annual Renewal Fee | ₹500 |
| Interest Rate | 49.36% per annum |
| Late Payment Charges | |
| Below ₹500 | NIL |
| ₹501 – ₹5,000 | ₹500 |
| ₹5,001 – ₹10,000 | ₹750 |
| Above ₹10,000 | ₹1,200 |
|
For Assisstance: 1800 209 5577 / 1800 103 5577 (Toll free) |
IDFC First HPCL Power+ RuPAY Credit Card
The IDFC FIRST HPCL Power+ RuPAY Credit Card helps you save on fuel, utilities, and groceries while offering added protection through insurance and roadside assistance.
Key Benefits of IDFC First HPCL Power+ RuPAY Credit Card
- Fuel & Rewards Benefits
- Save up to 5% on fuel purchases.
- 2.5% reward points on utility bills, grocery expenses, and IDFC FASTag recharges.
- 2X reward points on all other retail spends.
- Reward Redemption
- Use reward points for online and offline transactions at select merchants.
- Redeem for gift vouchers, memberships, or products from the IDFC Reward Redemption Catalog.
- Travel & Assistance
- Complimentary roadside assistance worth ₹1,399.
- Insurance Benefits
- ₹2 lakh personal accident cover.
- ₹25,000 lost card liability cover.
- Additional Perks
- 1% fuel surcharge waiver, capped at ₹100 per month.
- Annual fee waiver on spending ₹50,000 in a card anniversary year.
Fees & Charges of IDFC First HPCL Power+ RuPAY Credit Card
| Fee Type | Amount |
|---|---|
| Spend-Based Annual Fee Waiver | Waived on spending ₹50,000 annually |
| Reward Redemption Fee | ₹99 + Taxes |
| Foreign Currency Markup | 3.50% |
| Interest Rate | 0.75% – 3.5% per month |
| Fuel Surcharge Waiver | 1% (max ₹100 per month) |
| Cash Advance Charges | ₹199 per withdrawal |
HPCL BoB Energie Credit Card
The HPCL Bank of Baroda ENERGIE Credit Card is ideal for those who frequently spend on fuel, utilities, groceries, and entertainment. It offers high fuel savings, reward points, and additional perks like movie discounts and lounge access.
Key Benefits of HPCL BoB Energie Credit Card
- Fuel Benefits
- Save up to 5% on HPCL fuel transactions, including:
- 24 reward points per ₹150 spent at HPCL pumps (max 1,000 points per cycle).
- 1% fuel surcharge waiver on transactions ₹400 – ₹5,000 (max ₹100 per statement cycle).
- Additional cashback via the HP Pay app:
- ₹100 bonus on the first HP Pay recharge of ₹1,000 or more.
- 1.5% additional cashback as Payback points on fuel transactions via the HP Pay app.
- Save up to 5% on HPCL fuel transactions, including:
- Reward Points
- 10X rewards: 10 points per ₹150 spent on utility, groceries, and departmental stores (max 1,000 points per cycle).
- 2 reward points per ₹150 spent on other transactions, including UPI payments (no cap on UPI rewards).
- 1 Reward Point = ₹0.25.
- Other Benefits
- Welcome Bonus: 2,000 reward points on spending ₹50,000 within 60 days.
- Annual Fee Waiver: Spend ₹50,000 in a year to waive the renewal fee.
- Travel Benefits: 4 complimentary domestic lounge access per year (1 per quarter) on spending ₹20,000 in the previous quarter.
- Movie Discounts: 25% off (up to ₹100) on Paytm Movies, twice per month.
- Smart EMI: Convert purchases of ₹2,500+ into EMIs (6-36 months).
- Free Add-on Cards: Get 3-lifetime free add-on cards for family members (above 18 years).
Fees & Charges of HPCL BoB Energie Credit Card
| Fee Type | Amount |
|---|---|
| Joining Fee | ₹499 (Levied in first statement) |
| Annual Renewal Fee | ₹499 (Waived on spending ₹50,000 per year) |
| Finance Charges | 3.49% per month (41.88% per annum) |
| Late Payment Charges | |
| Below ₹100 | NIL |
| ₹100 – ₹500 | ₹100 |
| ₹501 – ₹5,000 | ₹400 |
| ₹1,001 – ₹10,000 | ₹750 |
| ₹10,001 – ₹25,000 | ₹950 |
| ₹25,001 – ₹50,000 | ₹1,100 |
| Above ₹50,000 | ₹1,300 |
|
For Assistance: 1800 2665 100 / 1800 2667 100 |
IndiaOil RBL Bank XTRA Credit Card
The IndianOil RBL Bank XTRA Credit Card is designed to maximize fuel savings while offering additional benefits on shopping, dining, and travel. With high fuel rewards, surcharge waivers, and annual fee waivers, this card is ideal for frequent fuel spenders.
Key Benefits of IndiaOil RBL Bank XTRA Credit Card
- Welcome Offer
- Earn 3,000 fuel points on spending ₹500 in a single transaction within 30 days of card issuance.
- Get an additional 1,000 fuel points on spending ₹75,000 in a quarter.
- Fuel Rewards
- Earn 15 fuel points per ₹100 spent at IndianOil fuel stations (capped at 2,000 points per month).
- Get 2 fuel points per ₹100 spent on other purchases, including dining, shopping, and entertainment.
- Redemption & Valueback
- 1 fuel point = ₹0.50, redeemable at IndianOil fuel stations through the XTRA Rewards Program.
- Save up to 250 liters of free fuel annually by accumulating fuel points.
- 8.5% valueback on IndianOil fuel purchases, ensuring maximum savings on refueling.
- Annual Fee Waiver
- Annual fee waived on spending ₹2,75,000 per year, making the card cost-effective for high spenders.
- Fuel Surcharge Waiver
- 1% fuel surcharge waiver, up to ₹200 per month, providing extra savings on fuel transactions.
- RuPay Network Benefits
- Available on MasterCard and RuPay networks.
- RuPay cardholders can link their card to UPI for digital payments.
- Supports National Common Mobility Card (NCMC) feature for seamless travel and transport payments.
Fees & Charges of IndiaOil RBL Bank XTRA Credit Card
| Fee Type | Amount |
|---|---|
| Membership Fee | ₹1,500 + GST |
| Annual Fee Waiver | Waived on spending ₹2,75,000 per year |
|
For Assistance : +91 22 6232 7777 |
BPCL SBI Octane Credit Card
The SBI BPCL Octane Credit Card is designed for maximum fuel savings, offering high reward points on fuel purchases, grocery spending, and entertainment. It also comes with complimentary lounge access, renewal fee waivers, and exclusive benefits.
Key Benefits of BPCL SBI Octane Credit Card
- Welcome Bonus
- Receive 6,000 bonus reward points upon payment of the annual membership fee.
- Reward Points
- 25 reward points per ₹100 spent at BPCL fuel stations (max 2,500 points/month).
- 10 reward points per ₹100 spent on groceries, department stores, and movie tickets (max 7,500 points/month).
- 25 reward points per ₹100 spent on Bharat Gas (via website/app) (max 500 points per billing cycle).
- Renewal Fee Waiver
- Annual fee waived on spending ₹2,00,000 in the previous year.
- Fuel Benefits
- 1% fuel surcharge waiver on fuel transactions up to ₹4,000 (exclusive of GST and other charges).
- Additional Benefits
- ₹1 lakh fraud liability cover for added security.
- ₹2,000 gift voucher from Aditya Birla Fashion, Yatra, Hush Puppies, or Bata on annual spending of ₹3,00,000 or more.
- Lounge Access
- 4 complimentary domestic airport lounge visits per year (1 per quarter).
Fees & Charges of BPCL SBI Octane Credit Card
| Fee Type | Amount |
|---|---|
| Joining Fee | ₹1,499 + GST |
| Annual Renewal Fee | ₹1,499 + GST (Waived on ₹2,00,000 annual spend) |
| Finance Charges | 42% per annum |
| Late Payment Charges | |
| Below ₹500 | NIL |
| ₹500 – ₹1000 | ₹400 |
| ₹1,001 – ₹10,000 | ₹750 |
| ₹10,001 – ₹25,000 | ₹950 |
| ₹25,001 – ₹50,000 | ₹1,100 |
| Above ₹50,000 | ₹1,300 |
| For Assistance: 1860 500 1290, 1860 180 1290, 39 02 02 02 or 1800 180 1290 (toll free) |
Benefits of Fuel Credit Cards
These cards offer cashback, reward points, and other exclusive benefits, making them a smart choice for frequent travelers and daily commuters. Here are the key benefits of having a fuel credit card:
- Fuel Savings: Fuel credit cards offer direct savings through cashback or reward points on fuel purchases.
- Reward Points & Redemption: Earn bonus reward points on fuel purchases, which can be redeemed for free fuel, cashback, gift vouchers, or even travel rewards.
- Extra Rewards on Other Categories: Apart from fuel, some fuel credit cards offer bonus rewards on groceries, utility bills, dining, and shopping.
- Easy Expense Management: Using a fuel credit card helps track fuel expenses more efficiently compared to cash payments.
- Complimentary Benefits: Several fuel credit cards offer extra perks such as roadside assistance, travel insurance, and discounts on dining and hotel stays.
- Secure & Convenient Transactions: Fuel credit cards come with advanced security features like chip technology, two-factor authentication, and fraud protection, ensuring safe transactions and financial security.
Eligibility for Fuel the Credit Card
Eligibility Criteria for a Fuel Credit Card, before applying for a fuel credit card, you need to meet certain requirements set by the bank. Here are the key eligibility criteria:
- Residency & Age: The applicant must be a resident of India and at least 18 years old to apply for a fuel credit card. Some banks may have a higher minimum age requirement, usually 21 years for self-employed individuals.
- Employment Status: You should be either salaried or self-employed with a stable source of income. Banks assess your financial stability before approving the card.
- Income Requirement: Each bank sets a minimum income requirement for credit card eligibility. This varies based on the type of fuel credit card, with premium cards requiring a higher income level.
- Credit Score: A good credit score (typically above 700) increases your chances of approval. Banks check your credit history to ensure you have a record of timely payments and responsible credit usage.
Tips to Choose the Best Fuel Credit Card in 2025
Selecting the right fuel credit card can help you save on fuel expenses while enjoying additional perks. Here are some key factors to consider before applying for a fuel credit card:
1. Savings Potential
Check how much you can save on fuel purchases through cashback, reward points, or discounts.
2. Reward Points & Cashback
Look for a card that earns reward points on fuel purchases and allows easy redemption for fuel, cashback, or other purchases.
3. Spending Limits & Eligibility
Analyze your monthly fuel expenses to choose a card that matches your spending pattern.
4. Fees & Charges
Compare annual fees, interest rates, and other charges. Some cards waive the annual fee if you meet a minimum spending requirement, making them more cost-effective.
5. Oil Company Partnerships
Certain fuel credit cards are co-branded with oil companies like BPCL, IOCL, or HPCL, offering better savings at specific stations.
6. Easy Redemption Process
Ensure the redemption process for rewards is simple and quick. Cards with instant redemption at fuel stations provide better value compared to those with complex processes.
Things to Consider When Applying for a Fuel Credit Card
Before choosing a credit card, it is important to evaluate several factors to ensure it goes well with your financial goals and spending habits:
- Interest Rates: A lower interest rate makes it easier to pay off your balance if you need to.
- Your Fuel Spending: Knowing how much you spend on gas each month helps you maximize the card’s benefits.
- Fees and Charges: Make sure the fees aren’t higher than the rewards you’ll get.
- Fuel Offers: What kind of discounts or rewards are offered? Do they match where you usually buy gas?
- Easy Redemption: Are the rewards easy to use? You don’t want a card with complicated redemption processes.
Steps to Apply for a Fuel Credit Card
Step 1:Look at fuel credit cards from different banks. Consider rewards, fees, and gas station partnerships. Use online comparison tools to see cards side-by-side.
Step 2:Visit the official website of the bank offering the card.
Step 3:Look for the specific fuel credit card you’ve chosen. Often, there’s a “Credit Cards” or “Rewards” section.
Step 4:Find the “Apply Now,” “Apply Online,” or similar button for that card.
Step 5:Provide accurate and complete information. This will include personal details, income information, and employment details.
Step 6:Submit and Wait:
Submit: Click the “Submit” button to send your application.
Wait for Approval: The bank will review your application, which may include a credit check. This process can take a few days to a few weeks.
Frequently Asked Questions
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