Fuel Credit Cards in India 2025 (Updated List)

Fuel credit cards, often issued in collaboration with leading fuel refineries like Indian Oil, BPCL and HPCL, help consumers save a significant amount on their fuel spends. Value-back is offered in the form of direct cashback or accelerated reward points on fuel transactions. Some fuel credit cards provide accelerated earning on other spending categories like groceries, utilities and departmental store spends, enhancing the overall saving potential. Here, we have listed the best fuel credit cards in India from leading card issuers like SBI Card, Axis Bank, HDFC Bank, ICICI Bank and RBL Bank. Read on to know about their detailed features and benefits and choose a card based on your preferences.

Top 8 Fuel Credit Cards in India

Given below is a list of the Top credit cards for fuel in India 2025. Compare and find the best fuel credit card in India as per your needs and requirements.

IndianOil RBL Bank XTRA Credit Card

4_/5

Joining fee: ₹1500

Annual/Renewal Fee: ₹1500

Up to 8.5% savings on IOCL fuel spends

1,000 Fuel Points on reaching Rs. 75,000 quarterly spends

Co-branded

Reward Points

Fuel

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Product Details

• Save 7.5% as 15 Fuel Points per Rs. 100 spent on IOCL fuel
• 1% fuel surcharge waiver on fuel spends of Rs. 500 to Rs. 4,000
• 2 Fuel Points per Rs. 100 spent on other categories; 1 Fuel Point = Rs. 0.50 for IOCL fuel purchase
• 3,000 Fuel Points as welcome benefit on making 1st card spend of min. Rs. 500 within the 1st 30 days
• Annual Fee waived of on Rs. 2.75 lakh annual spends

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BPCL SBI Card Octane

4_/5

Joining fee: ₹1499

Annual/Renewal Fee: ₹1499

7.25% value back on BPCL fuel expenses

10X rewards on dining, movies, groceries & departmental store spends

Co-branded

Fuel

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Product Details

• 25 reward points per Rs. 100 spent on BPCL fuel, lubricants & Bharat Gas; 1 reward point on others
• 1% fuel surcharge waiver, up to Rs. 100 per month, on BPCL fuel spends of up to Rs. 4,000
• 6,000 reward points as welcome bonus on fee payment, 1 RP = Rs. 0.25
• 4 complimentary visits per year to domestic Visa lounges in India
• Fee waived on Rs. 2 lakh annual spends & Rs. 2,000 e-gift voucher on Rs. 3 lakh annual spends

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IDFC FIRST Power+ Credit Card

4_/5

Joining fee: ₹499

Annual/Renewal Fee: ₹499

Up to 6.5% value-back on HPCL fuel spends

Up to 8.83% savings on travel spends through IDFC FIRST mobile app

Co-branded

Reward Points

Fuel

Check Eligibility

Product Details

• 30 rewards per Rs. 150 spent on HPCL fuel & LPG; 6 Happy Coins per Rs. 100 spent on HP Pay app
• 30 rewards per Rs. 150 spent on grocery, utilities & IDFC FIRST FASTag
• 3 rewards per Rs. 150 spent on UPI & other purchases, 1 RP = Rs. 0.25
• 1 complimentary domestic airport lounge access per quarter on min. monthly spends of Rs. 20,000
• 25% off, up to Rs. 100, on movie tickets once per month & annual fee waived on Rs. 1.5 lakh annual spends

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ICICI HPCL Super Saver Credit Card

3_/5

Joining fee: ₹500

Annual/Renewal Fee: ₹500

Up to 6.5% savings on HPCL fuel spends

5% back on grocery & utilities

Fuel

Check Eligibility

Product Details

• 4% cashback, max. Rs. 200 per month, on HPCL spends & 1% on fuel surcharge
• Save additional 1.5% as 6 reward points per Rs. 100 spent on HPCL fuel via the HP Pay app
• 2 reward points per Rs. 100 spent on other retail purchases, 1 RP = Rs. 0.25
• Rs. 100 cashback on recharge via HP Pay app & 2,000 reward points as joining bonus
• 1 domestic airport lounge access per quarter on spending Rs. 75,000 in the previous quarter

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IndianOil Axis Bank Credit Card

3_/5

Joining fee: ₹500

Annual/Renewal Fee: ₹500

Save up to 5% on IOCL fuel spends

1% back as 5 EDGE reward points per Rs. 100 spent on online shopping

Co-branded

Fuel

Check Eligibility

Product Details

• 4% back as 20 EDGE reward points per Rs. 100 spent on IOCL fuel
• 1% fuel surcharge waiver of up to Rs. 50 per month on fuel spends of Rs. 400 to Rs. 4,000
• 1 EDGE reward point per Rs. 100 spent on other spends, 1 EDGE reward point = Rs. 0.20
• 100% cashback, up to Rs. 250, as EDGE rewards on the 1st fuel spend made within the 1st 30 days
• Annual fee waived off on Rs. 3.5 lakh annual spends and up to 15% off on dining via EazyDiner

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IndianOil Kotak Credit Card

3_/5

Joining fee: ₹449

Annual/Renewal Fee: ₹449

Up to 4.2% savings on card spends made on IndianOil fuel

1.6% back as 12 reward points per Rs. 150 dining and grocery spend

Co-branded

Fuel

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Product Details

• Save 3.2% as 24 reward points per Rs. 150 IndianOil fuel spend
• 1% fuel surcharge waiver of up to Rs. 100 per month on IOCL fuel spends between Rs. 100 to Rs. 5,000
• 3 reward points per Rs. 150 spent on others; 1,000 reward points on making a spend of min. Rs. 500 in the 1st month
• 1 RP = Rs. 0.20; 1 XTRAREWARDS = Rs. 0.30
• Annual fee waived off on Rs. 50,000 annual spends

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IndianOil HDFC Credit Card

3_/5

Joining fee: ₹500

Annual/Renewal Fee: ₹500

Up to 6% savings on IndianOil fuel spends

5% fuel points on groceries and bill payment spends

Co-branded

Fuel

Check Eligibility

Product Details

• 5% fuel points on spends done at IndianOil outlets
• 1% fuel surcharge waiver, up to Rs. 250 per month, for IOCL fuel spends of Rs. 400 and above
• 1 fuel point per Rs. 150 spent on other purchases, including UPI, where 1 fuel point = Up to Rs. 0.96
• Complimentary IndianOil XTRAREWARDS Program (IXRP) membership on joining
• Annual fee waived off on spending Rs. 50,000 in a year

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ICICI Bank HPCL Coral Credit Card

3_/5

Joining fee: ₹199

Annual/Renewal Fee: ₹199

Up to 3.5% savings on HPCL fuel spends

25% off up to Rs. 100 per transaction on BookMyShow movie tickets

Fuel

Check Eligibility

Product Details

• 2.5% cashback, up to Rs. 100 per month, on HPCL spends of min. Rs. 500
• 1% surcharge waiver on HPCL fuel spends worth up to Rs. 4,000 per transaction
• 2 ICICI bank rewards points per Rs. 100 retail spend, except fuel
• 1 ICICI Bank Reward Point per Rs. 100 on grocery, utility, telecom, government, tax and departmental store
• 15% off on dining via ICICI Bank Culinary Treats program
• Annual fee reversed on Rs. 50,000 annual card spends

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Video: 5 Best Fuel Credit Cards in India 2025

5 Best Fuel Credit Cards in India 2025 | IndianOil, HPCL, or BPCL | Up to 8.5% Value Back on Spends

Note: Details mentioned in the video have been sourced from the issuer’s website as of August 2024. For updated information, refer to this page.

Fuel Credit Cards with High Rewards and Cashback

The following list shows the top credit cards for fuel in India, selected based on the value-back offered with respect to the annual fee charged. To find the best credit card for petrol, evaluate your preferences and fuel expenses carefully.

1. IndianOil RBL Bank XTRA Credit Card

Joining Fee: Rs. 1,500
Annual Fee: Rs. 1,500

Fuel Savings: Up to 8.5% value-back as reward points

Key Features:

• 15 Fuel Points for every Rs. 100 spent at IndianOil fuel stations, up to 2,000 Fuel Points per month
• 1% fuel surcharge waiver, up to Rs. 200 per month, on fuel spends between Rs. 500 and Rs. 4,000
• 2 Fuel Points for every Rs. 100 spent on other categories
• Redeem Fuel Points at a value of 1 Fuel Point = Rs. 0.50 and 1 XTRAREWARD Point = Rs. 0.30
• 3,000 Fuel Points on first transaction of at least Rs. 500 within 30 days of card issuance
• 1,000 Fuel Points on reaching the spending milestone of Rs. 75,000 in a calendar quarter

Offering an impressive 8.5% value-back, IndianOil RBL Bank XTRA Credit Card stands out as India’s best fuel credit card, particularly for those loyal to IOCL. By spending around Rs. 45,000 per month, cardholders can earn up to 250 litres of fuel in a year— outperforming the BPCL SBI Octane Credit Card by 1.25%. It is important to note that this card is specifically tailored for fuel expenses. Unlike other fuel cards like BPCL SBI Octane or IDFC FIRST Power Plus, which offer additional benefits on everyday purchases, this card focuses entirely on maximizing fuel savings. For daily commuters, this card is an excellent choice to maximize value on fuel spends.

2. BPCL SBI Card Octane

Joining Fee: Rs. 1,499
Annual Fee: Rs. 1,499

Fuel Savings: Up to 7.25% value-back as reward points

Key Features:

• 25 reward points per Rs. 100 spent at BPCL fuel, lubricants & Bharat Gas (website and app only), up to 500 points per month on Bharat Gas spends
• 10 reward points per Rs. 100 spent on dining, groceries, movies, and departmental stores, up to 7,500 points per month
• 1 reward point per Rs. 100 spent on other retail purchases
• 6,000 bonus reward points worth Rs. 1,500 on annual fee payment
• 4 Reward Points = Rs. 1
• 1% fuel surcharge waiver, up to Rs. 100 per month, on fuel spends of up to Rs. 4,000 made across BPCL petrol pumps in India
• 4 complimentary domestic Visa lounge visits in India per year, max. 1 per quarter
• Rs. 2,000 e-gift vouchers from Aditya Birla Fashion/ Yatra/ Bata-Hush Puppies on Rs. 3 lakh annual spends
• Annual fee waived on reaching Rs. 2 lakh annual spends

Co-branded with Bharat Petroleum, the BPCL SBI Card Octane has long been a top contender among fuel credit cards in India, with an impressive reward rate of 6.25% on BPCL fuel spends. While it carries the highest annual fee among all cards in this list, the overall value-back justifies the cost, owing to accelerated earnings on movies, grocery, dining and departmental store spends. Moreover, its complimentary lounge access feature is also one of the best among all co-branded fuel credit cards providing up to 4 lounge access without any spend-based conditions.

Must read: Best Credit Cards for Reward Points | Check Eligibility for Top Fuel Credit Cards

3. HPCL IDFC FIRST Power+ Credit Card

Joining Fee: Rs. 499
Annual Fee: Rs. 499

Fuel Savings: Up to 6.5% back as rewards and Happy Coins at HP Pay App

Key Features:

• 5% back as 30 reward points per Rs. 150 spent on HPCL fuel & LPG spends
• 5% back as 30 reward points per Rs. 150 spent on grocery, utilities & IDFC FIRST FASTag
• 6 Happy Coins as Payback Rewards (1.5% savings) per Rs. 100 spent on HP Pay app
• 3 reward points per Rs. 150 spent on UPI and other retail spends
• 1 reward point = Rs. 0.25
• Rs. 1,000 off on ZoomCar rentals and up to 50% off on Eco Rent A Car & Europcar as welcome bonus
• 5% cashback, up to Rs. 1,000, on the 1st EMI conversion made within the first 30 days
• Rs. 500 cashback on 1st HPCL spend of min. Rs. 500 within 30 days of card set-up
• 1 complimentary domestic airport lounge access per quarter on min. monthly spends of Rs. 20,000
• 25% off, up to Rs. 100, on movie tickets once per month
• Annual fee waived off on annual spends of Rs. 1.5 lakh

With HPCL IDFC FIRST Power+ Credit Card, consumers get a value-back of up to 6.5% on fuel spends. Besides fuel, this credit card also gives decent savings on other categories, like groceries and utility expenses. Though the card does not offer fuel surcharge waiver, a high reward rate on fuel spends compensates for the same and makes it one of the best fuel credit cards in India. Additional perks like complimentary lounge access, movie discount, roadside assistance, etc. further add to its value. Comparatively low annual fee of Rs. 499 for the set of benefits offered makes it even more appealing for beginners.

Suggested Read: Credit Cards with Airport Lounge Access

4. ICICI HPCL Super Saver Credit Card

Joining Fee: Rs. 500
Annual Fee: Rs. 500

Fuel Savings: Up to 6.5% value-back as rewards and fuel surcharge waiver

Key Features:

• 4% cashback, up to Rs. 200 per month, on fuel spends at HPCL pumps
• Additional 1.5% savings as 6 reward points per Rs. 100 spent at HPCL fuel outlets via HP Pay app
• 5% back as reward points, up to 400 points per month, on grocery, departmental store and utility bill spends
• 2 reward points per Rs. 100 spent on other retail purchases
• Bonus 2,000 reward points on spending Rs. 5,000 within 45 days of card issuance and on joining fee payment
• 1 reward point = Rs. 0.25
• 1% cashback on fuel surcharge applicable on all fuel spends worth up to Rs. 4,000
• Rs. 100 cashback on recharge via HP Pay app
• 1 complimentary domestic airport lounge access per quarter on spending Rs. 35,000 in the previous calendar quarter
• 25% off, up to Rs. 100 per transaction twice a month, on booking min. 2 movie tickets on BookMyShow and INOX
• Annual fee waived off on reaching annual spends of Rs. 1.5 lakh

With 4% cashback, 1% back on fuel surcharge and additional 1.5% rewards on HPCL fuel spends, ICICI HPCL Super Saver credit card offers decent saving on your fuel spends. Unlike most co-branded fuel credit cards, this card offers 1% back on fuel surcharge on all fuel spends, not just at partner outlets. Apart from rewards, movie benefit and lounge access are some more ways how cardholders can save. However, total accelerated earnings on this card are capped at Rs. 300 per month, which limits the overall saving potential. Despite this, ICICI HPCL Super Saver can be a good option for beginners.

Must read: Best Cashback Credit Cards in India | Check Eligibility for Top Fuel Credit Cards

5. IndianOil Axis Bank Credit Card

Joining Fee: Rs. 500
Annual Fee: Rs. 500

Fuel Savings: Up to 5% value-back as rewards and fuel surcharge waiver

Key Features:

• EDGE reward points equivalent to the 1st fuel spend of up to Rs. 250 made within 30 days of card issuance
• 4% back as 20 EDGE reward points per Rs. 100 spent on fuel purchases of Rs. 400 to Rs. 4,000 at IOCL outlets in India, up to 1,000 points per month
• 1% back as 5 EDGE reward points per Rs. 100 spent on online shopping worth Rs. 100 to Rs. 5,000, up to 250 points per month
• 1 EDGE reward point per Rs. 100 spent on other spends
• 1 EDGE reward point = Rs. 0.20
• 1% fuel surcharge waiver, up to Rs. 50 per month, on fuel spends of Rs. 400 to Rs. 4,000
• Annual fee waived on reaching Rs. 3.5 lakh annual spends
• 15% off up to Rs. 500 on dining bills of min. Rs. 2,500 once per month via EazyDiner

The IndianOil Axis Bank credit card is a decent fuel credit card for those who prefer Indian Oil over other fuel refineries. With this card, you can receive a value-back of up to 5% on IOCL spends in the form of reward points (capped at Rs. 200 p.m.) and 1% surcharge waiver. In addition to fuel savings, the card offers 1% cashback (capped at Rs. 50 p.m.) on online spends and base reward rate across all other spends. While accelerated earnings are capped, similar to the ICICI Super Saver Card, additional perks such as dining and movie discounts, along with limited-time offers from select brands, add extra value for cardholders.

Must read: Best Entertainment Credit Cards in India | Check Eligibility for Top Fuel Credit Cards

6. IndianOil Kotak Credit Card

Joining Fee: Rs. 449
Annual Fee: Rs. 449

Fuel Savings: Up to 5% back as rewards and fuel surcharge waiver

Key Features and Benefits:

• 4% back as 24 reward points per Rs. 150 spent on IndianOil fuel, up to 1,200 points per month
• 1% fuel surcharge waiver, up to Rs. 100 per month, on fuel spends of Rs. 100 to Rs. 5,000 at IndianOil outlets
• 2% back as 12 reward points per Rs. 150 spent on grocery and dining, up to 800 points per month
• 0.5% back as 3 reward points per Rs. 150 spent on other categories, including UPI
• 1,000 reward points on a transaction of min. Rs. 500 within 30 days of card issuance
• 300 Kotak Reward Points = 250 IndianOil XTRAREWARDS = Rs. 75
• 1 reward point = Rs. 0.25 & 1 IndianOil XTRAREWARDS = Rs. 0.30
• Annual fee waived off on reaching Rs. 50,000 spends in the previous year

Another fuel credit card co-branded with Indian Oil, this card offers a saving of up to Rs. 300 p.m. on fuel spends in the form of reward points. Much like other fuel cards, the Indian Oil Kotak Card also provides accelerated earning on everyday categories like grocery and dining. Rewards on fuel are capped at 1,200 points per month, which means users can get the benefits on transaction value of Rs. 7,500 per month.

Must read: Best Credit Cards for Utility Bill Payments | Check Eligibility for Top Fuel Credit Cards

7. IndianOil HDFC Bank Credit Card

Joining Fee: Rs. 500
Annual Fee: Rs. 500

Fuel Savings: 5% back as Fuel Points

Key Features:

• Complimentary membership to IndianOil XTRAREWARDSTM Program (IXRP)
• 5% back as fuel points on spends made at IndianOil outlets, groceries and bill payments
• 1 fuel point per Rs. 150 spent on other spending categories, including UPI
• 1 fuel point = Rs. 0.20 as statement credit, or Rs. 0.96 on XtraRewards Points (XRP) conversion, or up to Rs. 0.20 for redemption against rewards catalogue
• 1% fuel surcharge waiver, up to Rs. 250 per month, on IOCL fuel spends worth min. Rs. 400
• Annual fee waiver on spending Rs. 50,000 in a year

Co-branded with Indian Oil, this fuel credit card from HDFC Bank claims to offer up to 50 litres of free fuel every year. Cardholders get up to 5% back as Fuel Points on Indian Oil fuel spends as well as on everyday spends like groceries and bill payments. Bonus rewards on fuel are capped at 250 points for the first 6 months after which this limit is brought down to 150 points. This means the card offers good returns for the first 6 months, whereas post that, value will be maximized at monthly spends of Rs. 3,000. Hence, consumers who do not have large fuel expenses can consider getting this card.

Must read: Best Credit Cards for Online Shopping | Check Eligibility for Top Fuel Credit Cards

8. ICICI Bank HPCL Coral Credit Card

Joining Fee: Rs. 199
Annual Fee: Rs. 199

Fuel Savings: Up to 3.5% back as rewards and fuel surcharge waiver

Key Features:

• 2.5% cashback, up to Rs. 100 per month, on HPCL fuel spends worth Rs. 500 and above
• 1% fuel surcharge waiver on HPCL fuel spends of up to Rs. 4,000 per transaction
• 2 ICICI bank reward points per Rs. 100 spent on other retail spends
• 25% off of up to Rs. 100 per transaction on movie tickets booked via BookMyShow
• 15% off on dining under ICICI Bank Culinary Treats program
• Annual fee reversed on spending minimum Rs. 50,000 in a year

As a low annual fee fuel credit card, ICICI Bank HPCL Coral allows consumers to save up to 3.5% as cashback on co-branded fuel expenses, along with rewards on other eligible retail spends. Accumulated reward points can later be redeemed for future fuel purchases at any HPCL petrol pump. The movie and dining discount offers further add to the overall value-back that one can earn through this card.