Best Credit Card for Fuel Expenses in India

Before opting for the best fuel credit card in India, it is important to understand your primary goal to maximize benefits on fuel expenses. There are credit cards that are specifically designed to help the consumers to save on fuel spends. Some of the best fuel credit cards in India are mentioned below:

Top Credit Card for Fuel Expenses

Some of the top credit cards for fuel expenses in India are mentioned below:

IndianOil RBL Bank XTRA Credit Card

Fuel Benefits:

Up to 8.5% savings on fuel spends
Accelerated value-back at IOCL petrol pumps

Other Key Benefits:

3,000 Fuel Points on the first card transaction on a min. amount of Rs. 500 within a month of card activation
1,000 Fuel Points on reaching the spending milestone of Rs. 75,000 every quarter

Joining and Annual Fee: Rs. 1,500 + Taxes

Best For: IOCL petrol pumps loyalists, consumers who want to avail fuel cashback/value-back

BPCL SBI Card Octane

Fuel Benefit:

Up to 7.25% value-back on fuel transactions

Other Key Benefits:

10X rewards on everyday spends
4 complimentary domestic lounge visits yearly

Joining and Annual fee: Rs. 1,499 + Taxes

Best for: Frequent fuel users at BPCL pumps, consumers who want to avail rewards on everyday spends

HPCL IDFC FIRST Power+ Credit Card

Fuel Benefits:

3.5% savings on fuel spends
1.5% savings through HP Pay App

Other Key Benefits

Up to 8.67% savings on travel transactions
2.5% savings on grocery & utility spends

Joining and Annual fee: Rs. 199 + Taxes

Best for: HPCL petrol pump consumers, low to moderate fuel spenders

ICICI HPCL Super Saver Credit Card

Fuel Benefits:

4% cashback of up to Rs. 200 monthly on fuel spends at HPCL pumps
4% cashback of up to Rs. 200 monthly on fuel spends at HPCL pumps

Other Key Benefits:

5% back as 20 reward points on every Rs. 100 on departmental stores, mobile bills & electricity bills
2 reward points per Rs. 100 spent on retail spends

Joining and Annual fee: Rs. 500 + Taxes

Best for: HPCL petrol pump cardholders, moderate fuel spenders

IndianOil Axis Bank Credit Card

Fuel Benefit:

4% value-back on fuel spends by earning 20 EDGE reward points per Rs. 100

Other Key Benefits:

1% value-back by earning 5 EDGE reward points on every Rs. 100 spent on online shopping
10% discount on movie tickets booked via BookMyShow

Joining and Annual fee: Rs. 500 + Taxes

Best for: Consumers who want a decent fuel and lifestyle credit card

Check Your Monthly Fuel Spends

Tracking monthly fuel spends will help you to determine whether a fuel card is even worth it:

Rs. 2,000–Rs. 4,000 per month: Basic card with low annual and joining fee
Rs. 5,000–Rs. 15,000 per month: Choose a mid-range credit card that offers decent value-back
Rs. 15,000+per month: Go for premium fuel credit cards with higher rewards

Other Fuel Credit Cards in India

Fuel Credit Cards	Annual Fee	Key Features
IndianOil Kotak Credit Card	Rs. 499 + Taxes	Up to 5% savings at IndianOil
IndusInd Bank Jio-bp Mobility+ Credit Card	Rs. 499 + Taxes	Up to 4% savings on Jio-bp fuel spend
IndianOil HDFC Credit Card	Rs. 500 + Taxes	6% savings on fuel spends

FAQs

The best card depends on usage. IndianOil RBL Bank XTRA Credit Card offers up to 8.5% savings, while BPCL SBI Card Octane gives 7.25% value-back with lounge access.

HPCL IDFC FIRST Power+ Credit Card is ideal for RS. 2,000–Rs. 6,000 monthly fuel spend, offering 3.5% savings plus 1.5% via HP Pay, with a low Rs. 199 annual fee.

IndianOil RBL Bank XTRA Credit Card offers up to 8.5% savings and accelerated rewards at IndianOil pumps, along with milestone bonuses like 3,000 fuel points on initial transactions.

ICICI HPCL Super Saver Credit Card suits Rs. 4,000–Rs. 6,000 spenders, offering 4% cashback (Rs. 200 cap), plus 5% rewards on utility bills, groceries, and departmental store purchases.

Yes, cards like IndianOil Axis Bank Credit Card and ICICI HPCL Super Saver Credit Card provide maximum 4% value-back only at partner outlets like IndianOil or HPCL stations.