13 February 2026
If you spend a significant amount of money on fuel, one way to reduce your expenditure is to find a credit card that gives you discounts each time you refuel your vehicle.
A lot of credit cards offer cashback as reward points on refuelling. These reward points rack up fast and can be redeemed as cash or used to make purchases at partner outlets.
News Update
Fuel credit cards remain essential as they provide significant savings on unavoidable recurring fuel costs through surcharge waivers and accelerated points. Modern fuel cards also offer bundled lifestyle benefits like roadside assistance and airport lounge access, making them a practical value proposition for regular drivers.
- As reported by The Tribune on 9 February 2026
In this article, we have compiled the best fuel credit cards in India.
The table below shows the top 10 best fuel credit cards in India. These credit cards are not listed in any particular order.
|
Fuel Credit Card |
Joining/Annual Fee |
Welcome Benefit |
Fuel Surcharge Waiver |
Fuel Rewards |
Other Rewards |
|---|---|---|---|---|---|
|
₹1,000 + GST |
500 EDGE MILES |
1% unlimited |
6 EDGE MILES on every ₹150 spent at any IOCL fuel outlet in India |
Earn 2 EDGE MILES on every ₹150 spent on Grocery & Supermarket spends |
|
|
₹500 |
1,250 EDGE Reward Points on first fuel transactions |
1% |
20 reward points per ₹100 spent at any IOCL fuel outlet in India |
5 reward points per ₹100 spent on online shopping |
|
|
₹499 |
1,000 reward points on spending ₹500 |
1% |
5% on IndianOil Fuel spends |
12 reward points for every ₹150 spent on groceries and dining |
|
|
₹1499 + GST |
6,000 bonus reward points |
1% |
25 reward points on every ₹100 spent at BPCL Fuel, lubricants, and Bharat Gas |
10 reward points on every ₹100 spent at dining, departmental stores, grocery, and movies |
|
|
₹499 + GST |
2,000 bonus reward points on activation |
1% |
4.25 % valueback as reward points at any BPCL petrol pump |
5 reward points on every ₹100 spent at dining, departmental stores, grocery, and movies |
|
|
₹499 + GST |
500 bonus points on spending ₹5,000 |
1% |
24 reward points per ₹150 for fuel purchases at HPCL retail outlets, LPG purchases, and throughthe HP Pay App |
10 reward points for every ₹150 spent on utility and departmental stores. 2 reward points for every ₹150 spent on other categories. |
|
|
₹499 |
Welcome benefits worth ₹2,500 |
1% |
6 reward points on every ₹100 spent at HPCL Fuel Station |
30 Reward points per ₹150 spends on grocery & utility |
|
|
₹500 + GST |
2,000 reward points |
1% |
4% cashback of up to ₹200 per month on fuel purchases at HPCL pumps |
20 reward points per ₹100 on departmental stores, mobile bills, and electricity bills |
|
|
₹750 + GST |
- |
1% |
5% cashback on fuel spends at all fuel stations up to ₹200 per month |
5% cashback on paying for your utility bills |
|
|
₹1,500 + GST |
3,000 fuel points on spending ₹500 within 30 days |
1% |
15 fuel points on every ₹100 spent at IndianOil fuel stations |
2 fuel points on ₹100 spent on every other purchase |
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IndianOil Premium Credit Card is a credit card issued by Axis Bank that gives you 4% value-back on fuel spends. Here are the features and benefits of this credit card.
Features and Benefits
500 EDGE Miles (1 EDGE Mile = ₹1) on your first spend within 30 days of card issuance
6 EDGE MILES on every ₹150 spent at any IOCL fuel outlet in India
2 EDGE MILES on every ₹150 spent on grocery spends
1% unlimited fuel surcharge waiver at all IOCL fuel outlets
1 EDGE MILE for every ₹150 spent
Spend ₹30,000 or above to be eligible for an annual fee waiver
Fees and Charges
Joining Fee: 1,000 + GST
Annual Fee: 1,000 + GST
Eligibility
Primary cardholder should be 18-70 years of age
The individual should be a resident of India or a Non-Resident Indian
The IndianOil Axis Bank Credit Card offers several value-back benefits on fuel transactions, spend-based waiver, discounts on movie tickets, and more.
Features and Benefits
Up to 1,250 EDGE reward points on first fuel transactions within the first 30 days of card issuance.
4% value-back on fuel transactions by earning 20 reward points per ₹100 spent at any IOCL fuel outlet in India.
1% value-back on online shopping by earning 5 reward points per ₹100 spent.
Fuel surcharge waiver of 1%
Annual fee waived on spending more than ₹3,50,000 in a year.
Discount of up to 10% on your movie ticket booked via BookMyShow app or website.
1 EDGE reward point on ₹100 spend.
Dining experiences at top restaurants across India with the Axis Bank Dining Delights Program.
Exciting offers every Wednesday, like 10% off on orders via Swiggy, 10% off up to ₹1,000 on Tira.
Fees and Charges
Joining Fee: ₹500
Annual Fee: 1st Year: Nil
2nd Year onwards: ₹500
Eligibility
Primary cardholder should be 18-70 years of age
The individual should either be a Resident of India or a Non-Resident Indian.
With the IndianOil Kotak Credit Card, you get 4% value-back and 1% surcharge waiver on all fuel spends at IndianOil petrol pumps.
Features and Benefits
1,000 bonus reward points on spending ₹500 within 30 days of card issuance
4% valueback as 24 reward points on every ₹150 spent at an IndianOil fuel outlet, capped at 1,200 reward points per statement cycle
1% fuel surcharge waiver at IndianOil outlets on transactions between ₹100 and ₹5,000 (capped at ₹100 per statement cycle)
Annual fee waiver on spending ₹50,000 in a year
Fees and Charges
Joining Fee: ₹449
Annual Fee: ₹449
Eligibility
Primary cardholders should be in the age bracket of 18 to 60 years
Add-on cardholder should be 18 years and above
Should be a resident of India
BPCL SBI Card OCTANE credit card provides 7.25% value-back as reward points on fuel purchases at BPCL petrol pumps.
Features and Benefits
6,000 bonus reward points (4 reward points = ₹1) equivalent to ₹1,500 on payment of annual fees
7.25% valueback (25X Reward Points) on fuel purchases at BPCL petrol pumps (max. 2,500 reward points per billing cycle)
6.25% + 1% fuel surcharge waiver on every BPCL transaction up to ₹4,000
25 reward points on every ₹100 spent at BPCL Fuel, Lubricants, and Bharat Gas (Website and app only) spends
10 reward points on every ₹100 spent at dining, departmental stores, grocery, and movies (up to 7,500 reward points per month)
1 reward point per ₹100 spent on other retail purchases
4 complimentary visits per calendar year to domestic lounges in India (max. 1 visit per quarter)
e-Gift vouchers worth ₹2,000 from Aditya Birla Fashion, Yatra, or Bata/Hush Puppies on annual spends of ₹3 Lakh.
Fees and Charges
Joining Fee: ₹1499 + GST
Annual Fee: ₹1499 + GST
Eligibilty
The applicant must be above 21 years of age and must have a stable annual income.
BPCL SBI Credit Card gives 4.25 % valueback (13X reward points) on every transaction of up to ₹4,000 at any BPCL petrol pump in India.
Features and Benefits
2,000 reward points worth ₹500 on payment of the joining fee
5 reward points on every ₹100 spent at dining, departmental stores, grocery, and movies (up to 5,000 reward points per month)
1 reward point per ₹100 spent on other retail purchases
4.25% valueback ~ 13X reward points on fuel purchases at BPCL petrol pumps (max. 1,300 reward points per billing cycle)
3.25% + 1% Fuel surcharge waiver on every BPCL transaction up to ₹4,000
Annual fee waiver on annual spends of ₹50,000
Fees and Charges
Joining Fee: ₹499 + GST
Annual Fee: ₹499 + GST
Eligibilty
The applicant must be above 21 years of age and must have a stable annual income.
The HPCL Bank of Baroda ENERGIE Credit Card gives up to 5% savings (24 reward points per ₹150 + 1% Fuel Surcharge Waiver) for fuel purchases at HPCL retail outlets, LPG purchases through the HP Pay App.
Features and Benefits
500 reward points (1 RP = ₹0.25) on spending ₹5,000 or more within 60 days of card issuance
24 reward points per ₹150 spent on fuel at HPCL retail outlets, through HP Pay app, and on LPG purchases
1% fuel surcharge waiver, up to ₹100 per month, on fuel spends worth ₹400 to ₹5,000 made at HPCL fuel stations
1.5% cashback as payback points on every ₹100 spent on fuel through the HP Pay app
Up to 4 complimentary visits to domestic airport lounges per year, capped at 1 visit per quarter on reaching ₹20,000 quarterly spends
25% off up to ₹100 on a minimum booking of 2 tickets through the District app, twice per month
Renewal fee waiver on reaching annual spends worth ₹50,000
Fees and Charges
Joining Fee: ₹499 + GST
Annual Fee: ₹499 + GST
Eligibilty
Age: Primary cardholder must be 21 to 65 years of age
Min. Income (non-BoB Customer): ₹3.6 Lakh p.a. for salaried and ₹4.8 Lakh for self-employed
Min. Income (BoB Customer): ₹2.4 Lakh p.a. for both salaried and self-employed
The IDFC FIRST Power+ Credit Card offers up to 6.5% savings on your fuel expenses and 5% savings as rewards on grocery and utility expenses.
Features and Benefits
Welcome benefits worth ₹2500
30 reward points (1 RP = ₹0.25) per ₹150 spent on HPCL fuel, up to 2400 reward points in a statement cycle
6 Happy Coins per ₹100 on fuel spends through HP Pay App, up to 600 Happy Coins per month
30 reward points per ₹150 spent on grocery and utility, up to 400 rewards per statement cycle
30 reward points per ₹150 spent on IDFC FIRST FASTag recharge, up to 200 reward points per statement cycle
53 reward points per ₹150 spent on hotels and 33 points per ₹150 spent on flights through the Travel & Shop section on IDFC FIRST Mobile App
Uncapped 3 reward points per ₹150 spent via IDFC FIRST Power credit card
1 complimentary visit to domestic airport lounges every calendar quarter on a minimum monthly spend of ₹20,000
Annual fee waiver on spending ₹1.5 lakh in the previous year
Complimentary roadside assistance worth ₹1,399 up to 4 times in a year
Personal accident cover worth ₹2 lakh and lost card liability cover worth ₹25,000
Fees and Charges
Joining Fee: ₹499 + GST
Annual Fee: ₹499 + GST
Eligibilty
Age: Over 21 years
Income: A minimum of ₹3 Lakh every year
Want a Credit Card with High Limits & Rewards?
The ICICI HPCL Super Saver Credit Card saves you 5% on all your fuel spending at HPCL petrol pumps and on the HP Pay app.
Features and Benefits
2,000 reward points as a joining bonus
5% savings on all your fuel spending at HPCL petrol pumps and on the HP Pay app
25% discount (up to ₹100) on movie tickets at BookMyShow and INOX, twice a month
Round-the-clock roadside assistance in case of vehicle breakdown
1 domestic airport lounge access on completion of spend criteria
6x to 12x reward points on iShop
Fees and Charges
Joining Fee: ₹500 + GST
Annual Fee: ₹500 + GST
Eligibility
Age: Over 21 years of age
Nationality: Indian
Income: Monthly income of ₹20,000 (for salaried individuals)
Annual income of at least ₹2,40,000 (for self-employed individuals)
Standard Chartered Super Value Titanium Credit Card offers you the value-back trio of 5%
cashback on fuel, 5% cashback on phone bills, and 5% cashback on utility bills.
Features and Benefits
5% cashback on fuel spends at all fuel stations up to ₹200 per month (max. ₹100 per transaction). All transactions of ₹2,000 or below are eligible for cashback.
5% cash back on telephone bills, for any transaction amount above just ₹750 (max. cashback ₹100 per transaction). The maximum cashback available per month is ₹200.
5% cashback on paying for your utility bills. The minimum transaction amount is ₹750 (max. cashback ₹100 per transaction), and you can receive a maximum cashback amount of ₹100 per month.
1 reward point for every ₹150 you spend on all other expenses using your credit card.
Fees and Charges
Joining Fee: ₹750 + GST
Annual Fee: ₹750 + GST
Eligibility
Applicant’s age should be between 21 and 65 years.
Applicants should have a stable monthly income of ₹55,000 or above.
With the IndianOil RBL Bank XTRA Credit Card, you can get 8.5% valueback at IndianOil petrol stations. You can essentially get 250 litres of free petrol as fuel points every year.
Features and Benefits
3,000 Fuel Points on making the first card transaction of at least ₹500 within 30 days of card issuance.
1,000 Fuel Points on reaching the spending milestone of ₹75,000 in a calendar quarter.
1% fuel surcharge waiver of up to ₹200 per month on fuel transactions worth ₹500 to ₹4,000.
15 Fuel Points on spends made at IndianOil fuel stations.
2 Fuel Points on all other purchases.
Fees and Charges
Joining Fee: ₹1,500 + GST
Annual Fee: ₹1,500 + GST
Eligibility
Age: Between the ages of 21 and 70 years
Nationality: Indian
Apply for High Limit Credit Cards upto ₹5 Lakh*
Powered by HDFC Bank, SBI Card, Axis Bank
While all the credit cards in this list offer great cashback and reward points, some cards provide better offers than others. IndianOil RBL Bank XTRA Credit Card takes the first position as the best fuel credit card with 8.5% value-back. BPCL SBI Card OCTANE is a close second, which gives 7.25% value-back as reward points.
Fuel credit cards give better savings than generic cards for fuel purchases. However, these cards may have limited non-fuel benefits.
Although there is no consensus as to which fuel credit card is the best, the IndianOil RBL Bank XTRA Credit Card stands out from the rest by providing 8.5% valueback on fuel spends.
A fuel surcharge waiver removes the additional fee charged when you use your credit card at fuel stations. With this waiver, you can save 1% on every fuel transaction.
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