Best Fuel Credit Cards

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!

Table of Contents:

• ⇾ Best Fuel Credit Cards in India 2025
• ⇾ Eligibility for Fuel the Credit Card
• ⇾ Benefits of Fuel Credit Cards
• ⇾ Tips to Choose the Best Fuel Credit Card in 2025
• ⇾ Things To Consider When Applying For Fuel Credit Card
• ⇾ Steps to Apply for a Fuel Credit Card
• ⇾ Frequently Asked Questions

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:

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

1. 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.
2. 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.
3. Add-on Cards
• Get free add-on cards for your parents, spouse, children, or siblings (18+ years).
4. Utility Bill Payments
• Pay your electricity, telephone, mobile, and other bills via the Easy Bill Pay facility.
5. Balance Transfer on EMI
• Transfer outstanding dues from other credit cards to BPCL SBI Card.
• Enjoy a lower interest rate and easy EMI repayments.
6. Flexipay (EMI Facility)
• Convert any purchase of ₹2,500 or more into monthly EMIs.

Fees & Charges of BPCL SBI Credit Card

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

1. 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).
2. 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.
3. Welcome Bonus
• Get 1,000 reward points on spending ₹500 within 30 days of card issuance (valid for joining fee cards).
4. Annual Fee Waiver
• The ₹449 annual fee is waived if you spend ₹50,000 in the previous anniversary year.
5. 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

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

1. Fuel Savings
• Get 2.5% cashback on fuel purchases at HPCL fuel stations.
• Enjoy a 1% fuel surcharge waiver on every fuel transaction.
2. 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.
3. Movie Benefits
• Get ₹100 off on up to two movie tickets per month when booking via BookMyShow.
4. 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

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

1. 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.
2. 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.
3. Fuel Surcharge Waiver
• 1% fuel surcharge waiver on transactions ₹400 - ₹5,000 (max ₹250 cashback per statement cycle).
4. Renewal Offer
• Annual fee waiver on spending ₹50,000 or more in the first year.

Fees & Charges of IndianOil HDFC Bank Credit Card

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

1. 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.
2. Airport Lounge Access
• Enjoy 1 complimentary domestic airport lounge access per quarter.
• To unlock access, spend ₹75,000 in the previous calendar quarter.
3. Fuel & Savings Benefits
• Designed for fuel spending with additional cashback and reward points on fuel purchases.
4. 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

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

1. 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).
2. 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.
3. Movie Benefits
• 10% discount on movie ticket bookings via BookMyShow.
4. 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

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

1. 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.
2. 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.
3. Travel & Assistance
• Complimentary roadside assistance worth ₹1,399.
4. Insurance Benefits
• ₹2 lakh personal accident cover.
• ₹25,000 lost card liability cover.
5. 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

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

1. 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.
2. 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.
3. 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

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

1. 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.
2. 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.
3. 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.
4. Annual Fee Waiver
• Annual fee waived on spending ₹2,75,000 per year, making the card cost-effective for high spenders.
5. Fuel Surcharge Waiver
• 1% fuel surcharge waiver, up to ₹200 per month, providing extra savings on fuel transactions.
6. 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

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

1. Welcome Bonus
• Receive 6,000 bonus reward points upon payment of the annual membership fee.
2. 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).
3. Renewal Fee Waiver
• Annual fee waived on spending ₹2,00,000 in the previous year.
4. Fuel Benefits
• 1% fuel surcharge waiver on fuel transactions up to ₹4,000 (exclusive of GST and other charges).
5. 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.
6. Lounge Access
• 4 complimentary domestic airport lounge visits per year (1 per quarter).

Fees & Charges of BPCL SBI Octane Credit Card

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:

1. Fuel Savings

Fuel credit cards offer direct savings through cashback or reward points on fuel purchases.

2. Reward Points & Redemption

Earn bonus reward points on fuel purchases, which can be redeemed for free fuel, cashback, gift vouchers, or even travel rewards.

3. Extra Rewards on Other Categories

Apart from fuel, some fuel credit cards offer bonus rewards on groceries, utility bills, dining, and shopping.

4. Easy Expense Management

Using a fuel credit card helps track fuel expenses more efficiently compared to cash payments.

5. Complimentary Benefits

Several fuel credit cards offer extra perks such as roadside assistance, travel insurance, and discounts on dining and hotel stays.

6. 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:

1. 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.

2. 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.

3. 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.

4. 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.