ONE OF THE BEST FUEL CARDS IN INDIA

BPCL SBI Octane Credit Card

Our Rating 4.50
Top Reasons to Choose
7.25%
Benefit on BPCL fuel purchases - on fuel purchases upto ₹10,000 per month
2.50%
Benefit on grocery spends || departmental store purchases || movie & dining spends - only on total spends upto ₹75,000 per month
Upto 0.66%
Additional benefit at ₹3 lakh annual card spend
✔︎
Complimentary access to airport lounges in India - 1 time per quarter
Annual Fee

₹1499

Minimum Income

Not Specified

Annual Fee Offers
  • Welcome Offer : 6000 reward points worth ₹1500, within 30 days of annual fee payment.
  • Renewal Offer : Annual fee from the 2nd year onwards is not charged, if you spend ₹2 lakh or more in the previous year

BEST FOR FUEL PURCHASES UPTO ₹5000 PER MONTH

IndianOil Axis Bank Credit Card

Our Rating 4.0
Top Reasons to Choose
5%
Benefit on IndianOil fuel purchases - only on purchases upto ₹5,000 per month
✔︎
15% discount (upto ₹500 per order) at restaurants, in partnership with EazyDiner - once per month
Annual Fee

₹500

Minimum Income

Not specified

Annual Fee Offers
  • Welcome offer : ₹250 cashback, on 1st fuel purchase of ₹250 or more within 30 days of card issuance.
  • Renewal offer : Renewal fee is waived, if you spend ₹50,000 or more in the previous year

BEST FOR FUEL SPENDS UPTO ₹5,000 PER MONTH

IDFC HPCL First Power Credit Card

Our Rating 4.0
Top Reasons to Choose
5%
Benefit on HPCL fuel purchases, only on purchases upto ₹5,000 per month
2.50%
Benefit on grocery purchases & utility bills, only on total purchases upto ₹4,000 per month
2.50%
Benefit on FASTag recharge, only on upto ₹2,000 of recharges per month
✔︎
Emergency complimentary roadside assistance (RSA) package worth ₹1399 – 4 times per year
Annual Fee

₹199

Minimum Income

₹3 lakhs per year

Annual Fee Offers
  • Welcome offer worth ₹250
  • Renewal offer : Renewal fee waived at ₹50,000 yearly card spend

BEST FOR FUEL SPENDS || SMALL GROCERY PURCHASES & BILL PAYMENTS

ICICI HPCL Super Saver Credit Card

Our Rating 4.0
Top Reasons to Choose
6.50%
Benefit on HPCL fuel purchases - only on fuel purchases upto ₹4000 per month
5%
Benefit on departmental store purchases || electricity/mobile bill payments - only on total spends upto ₹2000 per month
✔︎
Complimentary airport lounge access in India - 1 time per quarter
✔︎
Movie benefits - 25% (upto ₹100) discount at BookMyShow and Inox - 2 times each every month at BookMyShow and Inox
✔︎
Complimentary 24×7 emergency road side assistance
Annual Fee

₹500

Minimum Income

Not Specified

Annual Fee Offers
  • Welcome offer worth ₹500 : 2000 reward points worth ₹500, at ₹5000 card spend within 45 days of card issuance
  • Renewal offer : Annual fee is not charged from the 2nd year onwards, if you spend ₹1.50 lakhs or more in the previous year.

BEST FOR HIGHER FUEL SPENDS - UPTO ₹10,000 PER MONTH

SBI BPCL Credit Card

Our Rating 4.0
Top Reasons to Choose
4.25%
Benefit on BPCL fuel purchases - on fuel purchases upto ₹10,000 per month
1.25%
Benefit on grocery spends || departmental store purchases || movie & dining spends - on total spends upto ₹1 lakh per month
✔︎
Low yearly card spend requirement of ₹50,000, to get annual fee waiver from 2nd year onwards
Annual Fee

₹499

Minimum Income

Not Specified

Annual Fee Offers
  • Welcome offer : 2000 reward points worth ₹500, on payment of joining fee
  • Renewal offer : Annual fee is waived from the second year onwards, if you spend ₹50,000 or more in the previous year.

BEST FOR 5% CASHBACK ON FUEL AND UTILITY BILL PAYMENTS

Standard Chartered Super Value Titanium Credit Card

Our Rating 4.0
Top Reasons to Choose
5%
Cashback on fuel purchases , only upto ₹4000 purchases per month
5%
Cashback on phone bill payments, only upto ₹4000 purchases per month
5%
Cashback on utility bill payments, only upto ₹2000 purchases per month
✔︎
Only for Standard Chartered Premium Banking customers - complimentary access to international airport lounges, once per month
Annual Fee

₹750

Minimum Income

₹55000 per month

Annual Fee Offers
  • Welcome offer : 100% cashback (up to ₹1500), on fuel purchases done within 90 days of card issuance.
  • Renewal offer : Annual fee is not charged from the 2nd year onwards, if you spend ₹90,000 or more in the previous year

BEST FOR FUEL PURCHASES UPTO ₹7500 PER MONTH

IndianOil Kotak Credit Card

Our Rating 4.0
Top Reasons to Choose
5%
Benefit on IndianOil fuel purchases, only on purchases upto ₹7,500 per month
2%
Benefit on grocery purchases & dining spends, only on total spends upto ₹10,000 per month
✔︎
Personal concierge services
Annual Fee

₹499

Minimum Income

Not Specified

Annual Fee Offers
  • Welcome offer worth ₹250 : You get 1000 reward points worth ₹250, on spending ₹500 within 30 days of card issuance
  • Renewal offer : Annual fee is not charged from the 2nd year onwards , if you spend ₹50,000 or more in the previous year.

ATTRACTIVE REWARDS ON LOWER FUEL SPENDS || BILL PAYMENTS || GROCERY PURCHASES

IndianOil HDFC Bank Credit Card

Our Rating 4.0
Top Reasons to Choose
5.80%
Benefit on IndianOil fuel spends - only on fuel spends upto ₹3000 per month
4.80%
Benefit on grocery purchases - only on purchases upto ₹2000 per month
4.80%
Benefit on bill payments - only on payments upto ₹2000 per month
Annual Fee

₹500

Minimum Income

Salaried : ₹10,000 per month || Self-employed : ₹6 lakhs per year

Annual Fee Offers
  • Welcome offer : Special limited time offer of ₹1500 Amazon vouchers, only if you apply online. This is subject to change.
  • Renewal offer : Annual fee is waived from the 2nd year onwards , if you spend ₹50,000 or more in the previous year.

BEST FOR MONTHLY FUEL PURCHASES UPTO ₹5000

HPCL Bank Of Baroda Energie Credit Card

Our Rating 4.25
Top Reasons to Choose
6.50%
Benefit on HPCL fuel purchases - only on fuel purchases upto ₹5000 per month
1.66%
Benefit on utility bill payments, grocery purchases & department store spends - on total purchases upto ₹15,000 per month
✔︎
Complimentary airport lounge access in India – 1 time per quarter
✔︎
Movie benefit at Paytm Movies - upto ₹200 per month
Annual Fee

₹499

Minimum Income

Salaried : ₹3.60 lakhs per year / Self-employed : ₹4.80 lakhs per year

Annual Fee Offers
  • Welcome offer worth ₹500 : 2000 bonus rewards points worth ₹500, by spending ₹5000 or more within 60 days of receiving the card.
  • Renewal offer : Annual fee is waived from the second year onwards – if you spend ₹50,000 or more in the previous year.

Starter fuel card from ICICI, with comparitively low annual fee

ICICI Bank HPCL Coral Credit Card

Our Rating 3.50
Top Reasons to Choose
3.50%
Cashback on HPCL fuel purchases - on fuel purchases upto ₹4000 per month
✔︎
25% discount (upto ₹100) at BookMyShow movie tickets - 2 times per month
✔︎
Low annual fee of ₹199
✔︎
Low annual card spend requirement of ₹50,000 to get an annual fee waiver
Annual Fee

₹199

Minimum Income

Not Specified

Annual Fee Offers
  • Renewal offer : Annual fee is not charged from the 2nd year onwards, if you spend ₹50,000 or more in the previous year.

AUTOMOBILE CARD FROM ICICI

Accelero ICICI Bank Credit Card

Our Rating 3.50
Top Reasons to Choose
3.50%
Cashback on fuel purchases : 2.50% cashback on HPCL fuel purchases || 1% fuel surcharge waiver
✔︎
Complimentary domestic airport lounge access – 1 time per quarter
✔︎
25% discount (upto ₹100) at BookMyShow – 2 times per month || 25% discount (upto ₹100) at Inox – 2 times per month
✔︎
Complimentary Road Side Assistance, with add-on benefits like complimentary car wash
Annual Fee

₹499

Minimum Income

Not Specified

Annual Fee Offers
  • Welcome offer : 1500 reward points worth ₹375, on payment of joining fee.
  • Renewal offer : Annual fee is not charged from the 2nd year onwards, if you spend ₹1.25 lakhs or more in the previous year. In case you do not qualify for this fee waiver, you get 1500 reward points worth ₹375, on payment of renewal fee.

GOOD FUEL CARD FOR COMPARATIVELY HIGHER FUEL SPENDS

IDFC HPCL First Power+ Credit Card

Our Rating 4.0
Top Reasons to Choose
6.50%
6.50% benefit on HPCL fuel purchases upto ₹5000 per month || 5% benefit on monthly HPCL fuel purchases between ₹5000 and ₹10,000
5%
Benefit on grocery purchases & utility bills - only on total purchases upto ₹4000 per month
5%
Benefit on FASTag recharge, only on upto ₹2000 of recharges per month.
Annual Fee

₹499

Minimum Income

₹3 lakhs per year

Annual Fee Offers
  • Welcome offers : a) ₹500 cashback on 1st fuel transaction of minimum ₹500 b) ₹150 discount on a Swiggy order above ₹500. c) ₹500 discount on ZoomCar rentals.
  • Renewal offer : Renewal fee is not charged from the 2nd year onwards, if you spend ₹1.50 lakhs or more in the previous year

Fuel credit card - offers & benefits

Apart from fuel, a fuel credit card can offer many other benefits-

  • Fuel credit card with airport lounge access offers
  • Fuel credit card with grocery shopping offers
  • Fuel credit card with department store offers
  • Fuel credit card with dining offers
  • Fuel credit card with movie offers
  • Fuel credit card with low fee

Pros & cons of fuel credit cards

The main benefit of the best fuel credit cards is the high reward rate you receive while using the cards to pay for fuel. Since many other cards on the Indian market don't offer any reward points for fuel purchases, this becomes especially important for frequent fuel users.

As we have seen , you can get approximately 5% benefit rate on many of the fuel cards we have discussed above, for example if you spend ₹60,000 on fuel in a year, you will get ₹3,000 worth of benefit.

The biggest drawback is that most fuel cards don't provide attractive benefits on other significant transactions you make, like travel, shopping, etc. You may want to consider other credit cards for these requirements; please check the options below.

Best travel cards || Best shopping cards || Best cashback cards || Best Points & Rewards cards || Best professional cards || Best fixed deposit cards || Best health & fitness cards

How can I apply for a fuel credit card?

You can apply for a fuel credit card either online or offline

Fuel credit card - apply online

You can apply for a fuel credit card online, by clicking the APPLY NOW button provided against each of the fuel credit cards on this page. You shall be taken to the credit card application page on the website of the respective card issuer. 

The fuel credit card online card application process is simple and convenient. You need to fill out some some basic personal details, professional details, followed by KYC process. Once this is done, you shall received your physical card in a few working days.

Fuel credit card - apply offline 

You can visit also any of the nearest branches of the respective bank, and talk to an executive regarding the process. They shall help you complete the credit card application process.

Fuel credit card - joining fee & annual fee

A fuel credit card usually charges a fee every year just for having the card, a first year annual fee which is often called joining fees, and then an ongoing annual fee from the 2nd year onwards.

While many people do not like paying an annual fee for a fuel credit card, the benefits can far surpass the costs if you use many of the card’s features and accumulate a lot of rewards. It is important to assess whether the annual fee of the fuel credit card justifies the benefits before making a decision. 

Frequently Asked Questions

Fuel credit cards are credit cards which offer special benefits on fuel purchases, when you use these cards to purchase fuel at fuel pumps. Most of these cards are co-branded cards, i.e. these cards are issued by banks in partnership with large oil & gas companies like IndianOil, HPCL & BPCL. These cards also offer benefits on non-fuel purchases, however other credit cards that are available in the market typically offer better reward rates on non-fuel purchases.

You need to consider various factors and your personal circumstances, when choosing the best credit card for fuel. 1. Fuel cards offer special fuel benefits only on a certain amount of monthly fuel purchases. This can range from ₹3,000 in case of the HDFC IndianOil Card, to ₹10,000 in the case of the 2 SBI BPCL Cards. Hence you need to consider your monthly fuel expenses, and the fuel reward rates that fuel cards offer at various levels of monthly fuel spends. 2. You need to also consider the annual fee associated with these cards, as well as the promotions they offer in relation to the annual fee. There are two types of offers connected to annual fees: - A welcome gift, that can partially or completely cover the first year's annual fee - A renewal fee waiver from the second year onwards, on a certain amount of credit card spending in the previous year. 3. The minimum requirements for card eligibility are the last item you should be aware of. Your income and credit score are the two main factors. Certain banks and card issuers have a minimum income criterion, while others do not. The banks and card issuers do not normally disclose credit score requirements either, although usually, a score of 700–750 or above is preferred.

As explained above, the best fuel credit card depends on your personal circumstances and fuel spending pattern. Some of the best fuel cards in India are listed on this page.

Petrol and diesel are different types of fuel, therefore petrol cards are the same as fuel cards. These cards offer special benefits on petrol purchases, when you use the card to purchase petrol at the pump. Most of the petrol cards are co-branded, i.e. these cards are issued by banks in partnership with large oil & gas companies like IndianOil, HPCL & BPCL. These cards offer rewards on non-petrol purchases as well, however other credit cards in the marketplace typically offer higher reward rates on non-petrol spending.

The best fuel cards are also the best petrol cards. Once you have gone through all the information we have provided on this page, you can conveniently apply online for the petrol card that suits you best.