Best Fuel Credit Cards in India 2025
Save money on petrol and diesel with fuel credit cards offering surcharge waivers, cashback, and exclusive fuel station benefits.
⛽ Top Fuel Credit Cards
- 3.3% reward rate on fuel purchases
- 1% fuel surcharge waiver (up to ₹250/month)
- No capping on fuel rewards
- Premium airport lounge access
- Insurance coverage up to ₹3 crores
- 5% cashback on Amazon Pay wallet loads
- 2% cashback on fuel via Amazon Pay
- 1% fuel surcharge waiver
- No minimum spend requirement
- Lifetime free for Prime members
- 2% cashback on fuel via Google Pay
- 1.5% cashback on utility bills
- 1% fuel surcharge waiver
- 5% cashback on Swiggy and Zomato
- ₹1,500 monthly cashback cap
- 13X points at BPCL fuel stations
- 4X points at other fuel stations
- 1% fuel surcharge waiver
- Welcome benefit of 2,500 points
- Milestone rewards up to 20,000 points
- 5% cashback on fuel purchases
- 1% fuel surcharge waiver
- ₹500 monthly fuel cashback cap
- 2% cashback on utility bills
- Welcome bonus of ₹2,000
- 5% cashback at HPCL fuel stations
- 2.5% cashback at other fuel stations
- 1% fuel surcharge waiver
- ₹500 monthly fuel cashback cap
- Additional benefits on grocery shopping
- 4X ER points on fuel purchases
- 1% fuel surcharge waiver
- ₹4,000 monthly fuel spend limit
- 2X points on utility bills
- Complimentary movie tickets
- 3% rewards on fuel purchases
- 1% fuel surcharge waiver
- No annual capping on fuel rewards
- Airport lounge access - 12 times/year
- Golf privileges and concierge services
- 3.5% rewards on fuel purchases
- 1% fuel surcharge waiver
- No capping on fuel rewards
- 24/7 concierge services
- Insurance coverage up to ₹2 crores
- 1% fuel surcharge waiver
- 5X points on fuel spends
- No minimum fuel spend required
- Digital wallet integration benefits
- Completely paperless application
- 2% cashback on fuel purchases
- 1% fuel surcharge waiver
- ₹300 monthly fuel cashback cap
- 5% cashback on utility payments
- Airport lounge access - 4 times/year
- 6X rewards on fuel purchases
- 1% fuel surcharge waiver
- ₹200 monthly fuel spend cap
- Milestone rewards up to 25,000 points
- Complimentary domestic airport lounge
🌟 Key Fuel Credit Card Benefits
Fuel Surcharge Waiver
Get 1% surcharge waived on fuel purchases, saving you money on every petrol and diesel transaction across India. Most cards offer this benefit with monthly caps ranging from ₹200 to ₹250.
Enhanced Fuel Rewards
Earn accelerated cashback or reward points ranging from 2% to 13% on fuel purchases at all major fuel stations including HP, BPCL, IOCL, and Reliance with specific partner station bonuses.
Partner Fuel Station Benefits
Exclusive partnerships with major fuel brands offer additional discounts, priority service, and special offers. Cards like SBI BPCL offer up to 13X rewards at partner stations.
Digital Fuel Payments
Contactless payments through UPI, mobile apps, and digital wallets with additional rewards. Cards like ICICI Amazon Pay offer extra benefits for digital fuel payments.
Vehicle-Related Benefits
Comprehensive vehicle insurance discounts, roadside assistance, free vehicle registration, and exclusive offers on car maintenance and accessories worth thousands annually.
Convenience Store Offers
Special discounts and cashback at fuel station convenience stores, car wash services, and automotive accessories with additional rewards on allied services.
🎯 Best Fuel Cards by Category
🏆 Best Overall Fuel Card
Premium card with highest reward rate and comprehensive benefits
💰 Best Value for Money
Great for regular fuel users with moderate annual fees
🆓 Best Free Fuel Card
No annual fee with decent fuel benefits and rewards
⛽ Best for Heavy Fuel Users
Exceptional rewards for frequent BPCL fuel station users
📱 Best for Digital Payments
Perfect for users who prefer UPI and digital wallet payments
🎁 Best Welcome Benefits
Attractive sign-up bonuses with ongoing fuel benefits
🤔 How to Choose the Right Fuel Credit Card
1. Calculate Your Monthly Fuel Spending
- Light Users (<₹2,000/month): Kotak 811, Axis MyZone with low/no annual fees
- Regular Users (₹2,000-₹5,000/month): HDFC MoneyBack+, ICICI Amazon Pay, Axis ACE
- Heavy Users (₹5,000+/month): HDFC Infinia, IndusInd Pioneer, BOB Eterna
- Commercial Users (₹10,000+/month): Premium cards with no capping on rewards
2. Compare Key Features
- Fuel Surcharge Waiver: Standard 1% waiver with caps from ₹200-₹250/month
- Cashback/Points Rate: Look for 2-5% base rate, up to 13% at partner stations
- Monthly/Annual Caps: Check spending limits - some premium cards have no caps
- Partner Stations: SBI BPCL, ICICI HPCL offer enhanced rewards at specific chains
- Digital Payment Bonus: Extra rewards for UPI, wallet, and app-based payments
3. Consider Additional Benefits
- Insurance: Comprehensive motor insurance discounts (5-15% off premiums)
- Roadside Assistance: 24/7 emergency support, towing, and breakdown services
- Utility Benefits: Extra rewards on electricity, gas, and mobile bill payments
- Travel Benefits: Airport lounge access, travel insurance, and hotel discounts
- Milestone Rewards: Annual bonus points for reaching spending targets
- Fuel Station Perks: Priority lanes, car wash discounts, convenience store offers
4. Calculate Annual Value vs Cost
- Annual Fee Justification: Ensure annual savings exceed the card fee
- Break-even Analysis: Calculate monthly spend needed to offset annual fee
- Welcome Bonus Value: Factor in sign-up bonuses and first-year benefits
- Fee Waiver Conditions: Many cards waive fees on reaching annual spend targets
- Lifetime Free Options: Consider no-fee cards for conservative spending patterns
5. Check Eligibility & Application Process
- Income Requirements: Range from ₹25,000 to ₹3.6L annually
- Age Criteria: Most cards require 21-65 years age range
- Credit Score: Maintain 750+ score for premium fuel cards
- Employment Type: Salaried vs self-employed documentation requirements
- Existing Banking: Some banks offer pre-approved cards to existing customers
🏪 Fuel Station Coverage & Partnerships
Indian Oil (IOCL)
33,000+ fuel stations nationwide. Partner with multiple banks offering standard fuel benefits and surcharge waiver.
Bharat Petroleum (BPCL)
18,500+ fuel outlets with MAK loyalty integration. SBI BPCL card offers exceptional 13X rewards.
Hindustan Petroleum (HPCL)
19,500+ fuel stations with ClubHP rewards. ICICI HPCL Super Saver offers 5% cashback at HPCL.
Reliance Petroleum
1,500+ premium fuel stations with advanced facilities and quick service lanes.
Shell India
280+ premium fuel stations offering V-Power fuel grades and enhanced services.
Nayara Energy
6,200+ fuel stations with modern POS systems and digital payment acceptance.
❓ Frequently Asked Questions
What is fuel surcharge waiver?
Fuel surcharge waiver is a benefit that waives the 1% processing fee charged by fuel stations on credit card transactions. Most fuel credit cards offer this waiver up to ₹200-₹250 per month.
Which fuel credit card gives the highest cashback?
HDFC Infinia offers the highest reward rate at 3.3% with no capping. For regular users, SBI BPCL offers 13X points (equivalent to 3.25% rewards) at BPCL stations, while HDFC MoneyBack+ and ICICI HPCL offer 5% cashback with monthly caps.
Are there any charges for using credit cards at fuel stations?
Fuel stations typically charge 1% extra for credit card payments. However, most fuel credit cards waive this surcharge, making them cost-neutral or beneficial for fuel purchases.
Can I use fuel credit cards for online fuel payments?
Yes, many fuel credit cards offer additional benefits for online payments through mobile apps and digital wallets. Cards like ICICI Amazon Pay and Axis ACE provide enhanced rewards for digital fuel payments.
What is the minimum monthly fuel spend to benefit from these cards?
There's no minimum spend requirement for most benefits. Even with ₹1,000 monthly fuel spend, you can save ₹10 monthly on surcharge waiver alone, plus earn additional rewards based on your card's rate.
Do fuel credit cards have spending caps on rewards?
Yes, many cards have monthly caps ranging from ₹200-₹500 for fuel cashback. Premium cards like HDFC Infinia, IndusInd Pioneer, and BOB Eterna typically don't have caps on fuel rewards.
🔍 Compare & Apply for Fuel Credit Cards
Use our comprehensive comparison tool to find the perfect fuel credit card based on your monthly fuel spending and preferred benefits.
Quick Comparison
| Card | Fuel Rewards | Annual Fee | Monthly Cap | Best For |
|---|---|---|---|---|
| HDFC Infinia | 3.3% | ₹12,500 | No Cap | Premium Users |
| SBI BPCL | 13X Points* | ₹499 | No Cap | BPCL Users |
| ICICI Amazon Pay | 2% | ₹500** | No Cap | Prime Members |
| Kotak 811 | 5X Points | Free | Standard | New Users |