Fuel Credit Cards in India 2026
Fuel credit cards let you save 1% to 8.5% on every petrol or diesel purchase through cashback, reward points, and fuel surcharge waivers from banks such as SBI, HDFC, Axis, ICICI, and Kotak. Many also reward everyday spends like groceries, dining, and bill payments. Compare joining fees, fuel savings, and eligibility below to pick the right card.
We found 2 Credit Cards
Mega Savings On Petrol
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Fee Details
- 1st Year - ₹ 499 + Taxes (effectively free with joining perk worth ₹ 500)
- 2nd Year Onwards - ₹ 499 + Taxes (Reversible if annual spends ≥ ₹ 1,00,000 in previous year)
Joining Perks
- 2,000 points worth ₹ 500 on paying joining fee
Rewards
- BPCL petrol pumps: 13x points
- Groceries & department stores: ₹ 100 = 5x points
- Movies & dining: ₹ 100 = 5x points
- Other non-fuel retail purchases: ₹ 100 = 1 point
Documents
- PAN card
- Aadhaar number
What you'll love
Great savings on petrol for 4-wheeler owners with the 4.25% valueback offer on BPCL petrol purchases
13* reward points on every ₹100 spent on fuel at BPCL petrol pumps (Max. 1,300 reward points per billing cycle)
Annual savings of up to 70 litres of fuel
1% fuel surcharge waiver on transactions up to ₹ 4,000, (excluding GST and other charges) at any BPCL petrol pump in the country
Maximum fuel-surcharge waiver of ₹100 in a month - that is equivalent to annual savings of ₹1,200 on fuel surcharge
Maximum savings on everyday purchases with up to 5x reward points on spends at department stores, groceries, movies and dining (Up to 5,000 reward points per month)
Balance transfer facility available (T&C apply)
Instant redemption of reward points at select BPCL petrol pumps
Reward points worth ₹500 on annual fee payment, making card effectively free
Visa Offer: Amazon Pay/Swiggy/Zomato voucher of up to ₹750 on activating new card with min. transaction of ₹300*
Think about
*Limited validity. T&C apply
Up To 50 Litres Of Free Fuel
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Fee Details
- 1st Year - ₹ 500 + Taxes
- 2nd Year Onwards - ₹ 500 + Taxes (Reversible if annual spends > ₹50,000)
Joining Perks
- ₹250 voucher upon card activation
- Complimentary IndianOil XTRAREWARDS Program (IXRP) membership
Rewards
- IOCL fuel spends: 5% as fuel points
- Groceries & utility spends: 5% as fuel points
- Other eligible spends (including UPI): ₹150 = 1 fuel point
What you'll love
Up to 50 litres of free fuel yearly
Complimentary IndianOil XTRAREWARDS Program (IXRP) membership
IOCL fuel spends: 5% back as fuel points
Groceries & utility spends: 5% back as fuel points
Other categories: 1 fuel point for every ₹150 spent
1% fuel surcharge waiver at petrol bunks
₹250 voucher on completion of at least one transaction within 37 days of card issuance
Free fuel at IOCL pumps by converting fuel points to XTRAREWARD points (1 fuel point = ₹0.96)
Annual-fee waiver on spends of ₹50,000 in previous year
Redeem points as cashback against statement balance, flight & hotel bookings via SmartBuy and against product catalogue (1 point = up to ₹0.20)
Redeem points for Airmiles (1 point = ₹0.25)
1% fuel-surcharge waiver at petrol bunks (on min. spend of ₹400, capped at ₹250 per statement cycle)
Zero lost card liability if reported to bank immediately
Think about
5% fuel points capped at 250 points/month (first 6 months) & 150 points/month thereafter
Fuel transactions must be done via IOCL-authorised POS machines
5% grocery & utility payment points capped at 100 points each, per month
No points on grocery & utility spends less than ₹150
No points for spends on wallet loads, rent, supermarkets, jewellery, tax, EMIs, vending machines, package store alcohol, bakeries, insurance, government-related payments
For free fuel redemption, redeem min. 500 points and in multiples of 500
Cashback redemption requires min. balance of 12,500 fuel points
Reward point validity: 2 years from accrual date
Reward point redemption capped at 50,000/month
What is a Fuel Credit Card?
Fuel credit cards are designed to help cardholders save more on their fuel expenses while earning rewards on everyday spending. These cards typically offer accelerated reward points on fuel purchases, fuel surcharge waivers, and cashback benefits, making them an ideal choice for frequent commuters. In addition to fuel-related savings, many fuel credit cards also provide lifestyle benefits such as discounts on vehicle servicing, dining, shopping, and other everyday expenses, helping cardholders maximize the overall value of their spending.
Benefits of Fuel Credit Cards
The advantages of using fuel credit cards are as follows:
Benefit | Details |
Direct Cost Reduction | Fuel credit cards help reduce overall fuel expenses, especially useful during fluctuating fuel prices. |
Surcharge Waivers | Save between 1% and 2.5% on every fuel purchase through fuel surcharge waivers. |
Cashback Offers | Earn cashback on fuel spends, helping lower monthly expenses, especially beneficial for frequent drivers and long-distance travellers. |
Earn on Every Transaction | Accumulate reward points on fuel and other everyday purchases. |
Flexible Redemption | Redeem points for free fuel, statement cashback, gift vouchers, or travel benefits. |
Bonus / Accelerated Rewards | Earn higher reward points when transacting at partner or co-branded fuel stations. |
Convenience | Eliminates the need to carry cash or manage multiple payment methods. |
Easy Tracking | Track fuel and overall spending easily through mobile apps and statements. |
Entertainment & Dining | Avail discounts on dining and offers on movie bookings via BookMyShow. |
Travel & Assistance | Premium cards may include concierge services, roadside assistance, and travel insurance. |
Fee Waivers & Bill Payments | Annual fees can be waived on reaching spend thresholds; also useful for utility and telecom bill payments. |
Advanced Protection | Features like chip security and two-factor authentication ensure safe transactions. |
Fraud Monitoring | Continuous monitoring helps detect suspicious activity and protects users. |
Safe Payments | Ensures secure payments whether at home or while travelling. |
Top Fuel Credit Cards with High Rewards and Cashback
Here is a breakdown of the key benefits, rewards, joining fees, and annual fees for top 11 of the best fuel credit cards available.
BPCL SBI Credit Card
Fees
- Joining Fee: Rs. 499 plus taxes
- Annual Fee: Rs. 499 (Waived on spending Rs. 50,000 and above in the previous year)
Benefits & Rewards
- Earn 4.25% value back on BPCL fuel spends through 13X reward points, capped at 1300 points per billing cycle.
- Receive 2,000 bonus Reward Points (worth Rs. 500) upon payment of the joining fee.
- You can save up to Rs. 1,200 annually via 1% fuel surcharge waiver on BPCL transactions up to Rs. 4,000 per swipe.
- Instantly redeem reward points for fuel at BPCL outlets.
- Earn 5 reward points for every Rs. 100 spent on dining, departmental stores, movies, and groceries.
- Get 1 reward point for every Rs. 100 spent on other retail transactions.
- No minimum threshold required for reward redemption.
- Non-fuel reward points are capped at 5,000 per billing cycle.
- Contactless (tap-to-pay) functionality for faster and secure transactions.
- Accepted at millions of outlets worldwide for convenient usage.
- Convert purchases above Rs.2,500 into easy EMIs with Flexipay.
- Add-on cards available for family members to extend benefits.
BPCL SBI Card Octane
Fees
- Joining Fee: Rs. 1,499 plus GST
- Annual Fee: Rs. 1,499 plus GST (Waived on spending Rs. 2 lakh or more annually)
Benefits & Rewards
- Get 7.25% value back on fuel spends, which includes 13X Reward Points (equivalent to 3.25%) along with a 1% fuel surcharge waiver on transactions up to Rs. 4,000. This benefit is applicable only when the card is swiped at POS machines at any BPCL petrol pump across India, excluding GST and other charges. The maximum surcharge waiver is capped at Rs. 100 per billing cycle, translating to annual savings of up to Rs. 1,200.
- Earn 10 reward points for every Rs. 100 spent on dining, departmental stores, movies, and groceries.
- Includes fraud liability cover of Rs. 1 lakh.
IndianOil RBL Bank XTRA Credit Card
Fees
- Joining Fee: Rs. 1,500 plus GST
- Annual Fee: Rs. 1,500 (Waived on spending Rs. 2.75 lakh annually)
Benefits & Rewards
- Get up to 8.5% savings on IndianOil fuel (7.5% as fuel points and 1% as a surcharge waiver).
- Earn 3,000 Fuel Points on your first transaction of Rs. 500 or more within 30 days.
- Through quarterly spending milestones of minimum threshold value of Rs. 75,000 you can receive up to 1,000 Fuel Points bonus.
- On a monthly spend of Rs. 45,000, the card offers 250 liters of free petrol per year as fuel points.
- Get two fuel points for every Rs. 100 spent on shopping.
- The 1% fuel surcharge waiver is capped at Rs. 200 per month, up to Rs. 2,400 a year.
IndianOil Axis Bank Premium Credit Card
Fees
- Joining Fee: Rs. 1,000 plus GST
- Annual Fee: Rs.1,000 plus GST (Waived on spending Rs. 1,00,000 or more in the previous year).
Benefits & Rewards
- The 6X EDGE Miles rate translates to a 4% value back on fuel, provided transactions occur exclusively at IndianOil outlets. This 4% return is effective for spending up to Rs. 15,000 per month, beyond which the earning rate reverts to the base of 1 EDGE Mile per Rs. 150. The 1:1 redemption ratio for fuel ensures zero value leakage at the pump.
- Get a 1% unlimited Fuel Surcharge Waiver at Indian Oil outlets.
- On spending within 30 days of card issuance, you can avail 500 EDGE MILES.
- Earn 2 EDGE MILES on every Rs. 150 spent on groceries or at supermarkets.
- Earn 1 EDGE MILE reward point on every Rs. 150 spent.
- Annual fee is waived on completing transactions worth Rs. 1,00,000 and above in an anniversary year.
IndianOil Axis Bank Credit Card
Benefits & Rewards
- Earn 1,250 EDGE reward points matching your first fuel spend (up to Rs. 250) within 30 days.
- Get 4% back as 20 EDGE reward points per Rs. 100 on fuel purchases at IOCL outlets.
- Get a 1% waiver on fuel surcharge.
Indian Oil Kotak Credit Card
Fees
- Joining Fee: Rs. 449
- Annual Fee: Rs. 449 (Waived on spending Rs. 50,000 in the previous year)
Benefits & Rewards
- Get up to 5% savings on Indian Oil fuel.
- Receive a 1% fuel surcharge waiver on fuel spends (capped at Rs. 100 per month).
- Get 2% back as reward points on grocery and dining transactions.
- You can avail a 0.5% return as reward points on all other transactions. This base rate ensures continuous point accumulation across non-fuel categories.
- New cardholders also earn 1,000 welcome Reward Points on spending Rs. 500 within 30 days of card issuance.
HPCL BoB Energie Credit Card
Fees
- Joining Fee: Rs. 499
- Annual Fee: Rs. 499 (Waived on spending Rs. 50,000 in an anniversary year).
Benefits & Rewards
- Get 5% savings on fuel purchases at LPG and HPCL retail outlets.
- HP Pay accelerates reward acquisition for HPCL loyalists by 1.5% cashback incentive on purchases via the HP Pay app.
- Get a 1% fuel surcharge waiver for transactions between Rs. 400 and Rs. 5,000 at HPCL stations.
- Receive 500 bonus Reward Points for spending Rs. 5,000 within the first 60 days.
- Get four complimentary lounge accesses every year (1 per quarter).
IndianOil HDFC Bank Credit Card
Benefits & Rewards
- Get 5% back as Fuel Points on IOCL fuel purchases.
- Complimentary membership to the XTRAREWARDS program provides a frictionless entry into the IndianOil loyalty network.
- Earn Fuel Points worth 5% on spends at Indian Oil outlets, groceries, and bill payments.
ICICI HPCL Coral Credit Card
Fees
- Joining Fee: Rs. 199 plus GST
- Annual Fee: Rs. 199 plus GST (Waived on spending Rs. 50,000 in the previous year)
Benefits & Rewards
- Save up to 3.5% on fuel expenses at HPCL petrol pumps, with 2.5% as cashback (capped at Rs. 100 per month).
- Get a 1% fuel surcharge waiver on fuel expenses between Rs. 400 and Rs. 4,000.
- Get a 25% discount (up to Rs. 100) on movie tickets once a month through BookMyShow, on a minimum booking of two tickets.
ICICI HPCL Super Saver Credit Card
Fees
- Joining Fee: Rs. 500 plus GST
- Annual Fee: Rs. 500 plus GST (Waived on spending Rs. 1,50,000 and above in the previous year)
Benefits & Rewards
- Receive 2,000 reward points as a joining benefit.
- Get up to 5% savings on fuel spends at HPCL pumps and on the HP Pay app.
- Enjoy a 1% fuel surcharge waiver on all fuel spends.
- Get one complimentary domestic lounge access every quarter, on spending Rs. 75,000 or more in that quarter.
- Get a 25% discount (up to Rs. 100) twice a month on movie ticket bookings.
- Get round-the-clock roadside assistance.
IDFC FIRST Power+ Credit Card
Fees
- Joining Fee: Rs. 499 plus GST
- Annual Fee: Rs. 499
Benefits & Rewards
- Save up to 6.5% on your fuel transactions.
- Save 5% as rewards on utility, grocery, and IDFC First FASTag recharge.
- Receive a gift voucher worth Rs. 500 on completing HPCL fuel transactions of Rs. 500 or more.
- Domestic lounge access is available once every quarter, subject to meeting a minimum quarterly spend threshold.
- Get a flat 25% off (up to Rs. 100) on movie tickets once a month.
How to Choose the Best Fuel Credit Card in 2026?
The factors that you must consider before selecting fuel credit card are mentioned below:
- Compare cards based on how much you actually save on fuel (cashback, reward points, surcharge waivers).
- Choose a card that works at your preferred petrol pumps or across multiple fuel networks.
- Check if the fuel surcharge waiver is included within practical transaction limits.
- Review monthly caps and minimum spend requirements to ensure benefits are easy to achieve.
- Match the annual fee with expected savings; avoid paying more than you gain.
- Pick a card with simple and instant reward redemption, ideally at fuel stations.
- Select a card that also rewards your regular spends like groceries, bills, and online purchases.
- Estimate your monthly fuel usage and choose a card that maximises returns for that spending level.
How to Apply for a Fuel Credit Card?
Follow the instructions below to apply for a fuel credit card:
- Step 1: Choose a suitable fuel credit card based on savings, fees, and fuel network compatibility.
- Step 2: Apply online via the bank’s official website or visit a nearby branch.
- Step 3: Fill in the application form with accurate personal and financial details.
- Step 4: Submit required documents such as KYC (ID and address proof) and income proof.
- Step 5: Complete the verification process as required by the bank.
- Step 6: Wait for approval; once approved, the card is issued and dispatched.
- Step 7: Activate the card and start using it for fuel transactions to earn rewards and savings.
Eligibility for Fuel Credit Cards
The eligibility criteria are as follows:
Criteria | Details |
Credit Score | A good credit score (typically 700+) improves approval chances and eligibility for premium cards. |
Age Requirement | Usually, 18 to 21 years minimum for primary cardholders; higher for some premium cards. |
Income Criteria | Must meet the bank’s minimum income requirement; higher income may unlock better card variants. |
Employment Status | Salaried or self-employed individuals with stable income are generally eligible. |
Spending & Repayment Capacity | Banks assess repayment history and credit behaviour before approval and limit assignment. |
KYC & Documentation | Valid ID proof, address proof, PAN, and income documents are required. |
Bank Relationship (Optional) | Existing relationship with the bank may improve approval chances. |
Summary
Fuel credit cards from BankBazaar's partner banks help you save 1% to 8.5% on every fuel purchase through surcharge waivers, cashback, and reward points, with premium variants adding lounge access and lifestyle perks. Compare joining fees, fuel savings, and eligibility above to match a card to your monthly fuel spend and preferred fuel brand before applying online or at a branch.
FAQs on Fuel Credit Card
1.What is a fuel credit card?
A fuel credit card is a co-branded card that helps you save on fuel purchases through fuel surcharge waivers, reward points, or cashback at partner petrol pumps. Most fuel credit cards also let you earn rewards on everyday spends such as groceries, dining, and bill payments. BankBazaar lists fuel credit cards from banks such as SBI, HDFC, Axis, ICICI, Kotak, RBL, IDFC FIRST, and Bank of Baroda.
2.What are the main benefits of a fuel credit card?
A fuel credit card's core benefits are a fuel surcharge waiver, accelerated reward points or cashback on fuel spends, and rewards on non-fuel categories like dining, groceries, and bill payments. Premium fuel credit cards can also add complimentary airport lounge access, movie discounts, and roadside assistance. The exact mix of benefits depends on the card and issuing bank you choose.
3.Who is eligible for a fuel credit card?
Eligibility for a fuel credit card typically depends on your age, income, employment status, and credit score, with most banks preferring a score of 700 or above. Salaried and self-employed applicants with a stable income are generally considered, and an existing relationship with the bank can improve approval chances. Exact eligibility criteria vary by bank and card variant.
4.How much does a fuel credit card cost?
Joining and annual fees for a fuel credit card vary by bank and card variant, and are listed in the fees details for each card above. Many issuers waive the annual fee once you cross a minimum annual spend threshold. Check the specific fee and waiver condition for the card you are considering before applying.
5.What is a fuel surcharge waiver?
A fuel surcharge waiver on a fuel credit card reverses the extra charge that fuel stations normally add when you pay by card. It usually applies only within a set transaction range and up to a monthly or annual cap. The exact percentage, transaction range, and cap differ from card to card, so check the details listed for each fuel credit card above.
6.How do I earn rewards on a fuel credit card?
A fuel credit card usually earns accelerated reward points, fuel points, or cashback when you fill up at the issuing bank's partner fuel stations, at a rate higher than on regular purchases. Many cards also let you earn at a lower, base rate on non-fuel spends such as groceries, dining, and bill payments. Reward and cashback rates, along with any monthly caps, are listed for each card above.
7.Can I use a fuel credit card at any petrol pump?
Yes, a fuel credit card can generally be used at any petrol pump that accepts card payments, not just outlets of the co-branded fuel company. However, the accelerated fuel rewards, cashback, and surcharge waiver are usually available only at the card's partner fuel brand, so you earn less at non-partner outlets. Check the partner fuel brand for each fuel credit card above before applying.
8.How can I redeem fuel credit card reward points?
Reward points earned on a fuel credit card can typically be redeemed for fuel at partner outlets, converted to statement cashback, or exchanged for gift vouchers, depending on the issuing bank's redemption programme. Some banks also allow redemption through a dedicated rewards catalogue or partner app. Redemption options and any minimum threshold depend on the specific card.
9.Do fuel credit cards offer benefits beyond fuel savings?
Many fuel credit cards also offer lifestyle benefits such as discounts on movie bookings, dining offers, and, on premium variants, complimentary airport lounge access or roadside assistance. These additional benefits vary by card and are usually subject to a minimum quarterly or monthly spend. Check the benefits listed for each fuel credit card above for the specific terms.
10.How do I choose the best fuel credit card for me?
The best fuel credit card for you depends on your preferred fuel brand, typical monthly fuel spend, and whether the annual fee is easily offset by your savings. Compare the fuel surcharge waiver, reward or cashback rate, and any monthly caps across cards before applying. Also factor in non-fuel benefits like lounge access or dining discounts if they suit your spending habits.
11.How do I apply for a fuel credit card?
You can apply for a fuel credit card online through the issuing bank's official website or by visiting a nearby branch. You will need to fill in the application form with your personal and financial details and submit the required KYC and income documents. Once your application is verified and approved, the bank issues and dispatches the card.
12.What documents are required to apply for a fuel credit card?
Applying for a fuel credit card usually requires valid ID proof, address proof, PAN, and income documents such as salary slips or income tax returns. Self-employed applicants may need to submit business proof and bank statements instead. Exact document requirements can vary by bank and applicant profile.
Types of Credit Card
- Top 10 Credit Cards in India
- Fuel Credit Cards
- Lifetime Free Credit Cards
- Kisan Credit Card
- Student Credit Cards in India
- Shopping Credit Cards
- Contactless Credit Cards
- Travel Credit Cards
- Co-Branded Credit Cards
- Lifestyle Credit Cards
- Rewards Credit Cards
- Business Credit Cards
- NRI Credit Cards
- Cashback Credit Cards
- Lounge Access Credit Cards
Credit Card by Banks
- Axis Bank Credit Card
- HDFC Bank Credit Card
- Kotak Bank Credit Card
- Federal Bank Credit Card
- SBI Credit Cards
- HSBC Credit Card
- IndusInd Bank Credit Card
- RBL Bank Credit Card
- Standard Chartered Credit Card
- YES Bank Credit Card
- Canara Bank Credit Card
- Punjab National Bank Credit Card
- Bank of Baroda Credit Card
- IDBI Credit Card
- Union Bank of India Credit Card
- Bank of India Credit Card
Articles on Credit Card
- How to Check Credit Card Status
- How to Manage Multiple Credit Cards
- Best Credit Card for Poor Credit
- How to get Credit Card without Job
- Credit Card Insurance Benefits
- How to Apply for Lost Credit Card
- Reasons for Credit Card Rejection
- Advantages & Disadvantages of Credit Card
- Difference between Credit Card & Debit Card
Credit Card Customer Care
- SBI Credit Card Customer Care
- HDFC Bank Credit Card Customer Care
- Axis Bank Credit Card Customer Care
- Federal Bank Credit Card Customer Care
- IndusInd Bank Credit Card Customer Care
- PNB Credit Card Customer Care
- RBL Bank Credit Card Customer Care
- Kotak Credit Card Customer Care
- Yes Bank Credit Card Customer Care
- Standard Chartered Credit Card Customer Care
- Canara Bank Credit Card Customer Care
- HSBC Credit Card Customer Care
- Indian Bank Credit Card Customer Care
- Bank of Baroda Credit Card Customer Care
- Bank of India Credit Card Customer Care
- Union Bank of India Credit Card Customer Care
Credit Card Bill Payment
- Credit Card Bill Payment
- SBI Credit Card Bill Payment
- HDFC Credit Card Bill Payment
- Federal Bank Credit Card Bill Payment
- Axis Bank Credit Card Bill Payment
- IndusInd Credit Card Bill Payment
- Kotak Credit Card Bill Payment
- Standard Chartered Credit Card Bill Payment
- RBL Bank Credit Card Bill Payment
- HSBC Credit Card Bill Payment
- PNB Credit Card Bill Payment
- Canara Bank Credit Card Bill Payment
- Bank of Baroda Credit Card Bill Payment
- Bank of India Credit Card Bill Payment
- Union Bank Credit Card Bill Payment
Credit Card Eligibility
- Credit Card Eligibility
- SBI Credit Card Eligibility
- HDFC Credit Card Eligibility
- Federal Bank Credit Card Eligibility
- Axis Bank Credit Card Eligibility
- Yes Bank Credit Card Eligibility
- IndusInd Bank Credit Card Eligibility
- HSBC Credit Card Eligibility
- Kotak Credit Card Eligibility
- Canara Bank Credit Card Eligibility
- Standard Chartered Credit Card Eligibility
- RBL Bank Credit Card Eligibility
- Bank of Baroda Credit Card Eligibility
- Union Bank Credit Card Eligibility
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