Best fuel cards

7.25% earning on fuel purchases :
– 6.25% special benefit on BPCL fuel purchases : You earn 25 reward points worth ₹6.25 , on every ₹100 you spend at BPCL pumps – only on purchases up to ₹10,000 per month. 1 reward point = ₹0.25 or 25 paise.
– 1% fuel surcharge waiver at BPCL fuel pumps : On fuel transactions upto ₹4,000 only AND on upto total fuel spends of ₹10,000 per month. Both the above conditions need to be met to avail fuel surcharge waiver

2.50% special benefit on groceries, departmental stores, movies & dining spends : You earn 10 reward points worth ₹2.50 , on every ₹100 you spend on groceries, departmental stores, movies & dining – only on combined total spending of up to ₹75,000 per month across these categories. 1 reward point = ₹0.25 or 25 paise.

0.25% basic benefit on all other spends : You earn 1 reward point worth ₹0.25 (25 paise) , on every ₹100 you spend on all other purchases. Except on mobile wallet loads and non-BPCL fuel spends.

Milestone privileges : Upto 0.66% benefit on achieving annual spend target of  ₹3 lakhs : You receive e-Gift Vouchers worth ₹ 2,000 (from Aditya Birla Fashion, Yatra, or Bata/Hush Puppies) , on reaching annual card spend target of ₹ 3 lakhs.

Complimentary airport lounge access in India : You enjoy free visits to airport lounges in India , maximum once per calendar quarter (upto 4 times per year)

6.50% earning on fuel (petrol, diesel and LPG) purchases
– 4% special benefit on HPCL fuel purchases : You earn 16 reward points worth ₹4 , on every ₹100 you spend at HPCL pumps, only on HPCL fuel purchases of upto ₹6,250 per month. 1 reward point = ₹0.25 or 25 paise.
– Additional benefits of 1.50% on HPCL fuel spends via HP Pay App: You earn additional 6 Payback points worth ₹1.50 , on every ₹100 you spend at HPCL fuel outlets through your HP Pay app. 1 Payback point = ₹0.25 or 25 paise.
– 1% fuel surcharge waiver at all fuel stations : Only on fuel transactions between ₹400 and ₹5,000, AND only on upto a maximum of ₹10,000 fuel spend per month. Both these conditions need to be met to avail fuel surcharge waiver.

1.66% benefit on utilities, groceries & department store spends : You earn 6.66 reward points worth ₹1.66 , on every ₹100 you spend on utilities, groceries & department store spends – only on combined total purchases of upto ₹15,000 per month in these categories. 1 reward point = ₹0.25 or 25 paise.

0.33% benefit on all other purchases : You earn 1.33 reward points worth ₹0.33 (33 paise) , on every ₹100 you spend on all other purchases

Complimentary airport lounge access in India :  Upto 1 free visit per calendar quarter (4 times per year)

25% benefit at Paytm Movies 
– This offer can be availed up to two times per month.
– You get a 25% discount, upto maximum ₹100 discount per transaction. You need to do a transaction of minimum 2 tickets.
– Hence you get a 25% discount on a ticket purchase transaction up to ₹400. On purchases above ₹400, you will get a maximum discount of ₹100 and your discount% would be lower than 25%.

5% earning on fuel purchases –
– 4% benefit on IOCL fuel expenses : You earn 20 reward points worth ₹4 , on every ₹100 you spend at IOCL fuel outlets – on purchases between ₹ 100 and ₹ 5,000 per month. 1 reward point = ₹0.20 or 20 paise.
– 1% fuel surcharge waiver at all fuel stations : only on fuel spends between ₹ 200 and ₹ 5,000 per month

1% benefit on ‘online shopping‘ : You earn 5 reward points worth ₹1 , on every  ₹ 100 you spend on online shopping – on purchases between  ₹ 100 and  ₹ 5,000 per month. 1 reward point = ₹0.20 or 20 paise.

0.20% benefit on all other purchases : You earn 1 reward points worth ₹ 0.20 (20 paisa), on every  ₹ 100 spent on all other purchases. Exceptions – no reward points earned for rent, utilities, educational services, and government institutions

Dining benefits – 15% discount at restaurants, in partnership with EazyDine. You get a 15% discount up to ₹500 , at over 4,000 restaurants nationwide. Minimum order amount of ₹2,500. Hence you get a 15% discount on orders between ₹2,500 and ₹3,333. On orders above ₹3,333, your discount% will be below 15% since maximum discount is fixed at ₹500.
This offer can be redeemed once every month.

10% discount on Bookmyshow : You get 10% discount on Bookmyshow app or website

5.80% benefit on fuel transactions – at IndianOil outlets –
– 4.8% benefit on IOCL fuel purchases : You earn 5 fuel points worth ₹4.80 , on every ₹100 you spend at IOCL fuel outlets – on purchases up to ₹5,000 per month (only for the first 6 months from card issuance, after 6 months on purchases up to ₹3,000 per month). 1 fuel point = ₹0.96 or 96 paise, when you redeem fuel points at IndianOil outlets.
– 1% fuel surcharge waiver at all fuel stations: Only on fuel transactions over ₹400 AND on up to a maximum of ₹25,000 fuel spend per month. Both these conditions need to be met to avail fuel surcharge waiver.

4.80% benefit on grocery purchases : You earn 5 fuel points worth ₹4.80 , on every ₹100 you spend on groceries, only on purchases up to ₹2,000 per month

4.80% benefit on bill payments : You earn 5 fuel points worth ₹4.80 , on every ₹100 you spend on bill payments, only on payments up to ₹2,000 per month

0.64% benefit on all other purchases : You earn 0.66 fuel points worth ₹0.64 (64 paise) , on every ₹100 on all other purchases. Important exceptions : No reward points are earned for rental and government category payments.

5% earning on fuel purchases
– 4% earning on IndianOil (IOCL) fuel purchases : You earn 16 reward points worth ₹4, on every ₹100 you spend at IOCL fuel outlets – only on purchases upto ₹7500 per month , since the maximum reward points at this special earning rate are capped at 1200.
– 1% fuel surcharge waiver at all fuel stations : Surcharge waiver is given only on fuel transactions between ₹100 and ₹5,000. Maximum surcharge waiver amount given is ₹100 per monthly card billing cycle.

2% earning on grocery and dining spends : You earn 8 reward points worth ₹2 , on every ₹100 you spend on grocery shopping and dining expenditure , only on total combined spends upto ₹10,000 per month.

0.50% earning on all other purchases : You earn 2 reward points worth ₹0.50 , on every ₹100 you spend on all other purchases.

Personal Accident Insurance : You get complimentary personal accident insurance coverage of ₹2,00,000.

Personal concierge services, including
– Hassle-free gift and flower deliveries
– Seamless restaurant referrals and bookings
– Easy car rental and limousine reservations
– Exclusive golf reservations for your leisure
– Effortless movie ticket bookings and much more!

5% earning on HPCL purchases (fuel & LPG)
– 2.50% special benefit on HPCL fuel purchases : You earn 10 reward points worth ₹2.50, on every ₹100 you spend at HPCL pumps – only on fuel purchases upto ₹5,000 per month
– Additional 1.50% benefit – on HPCL fuel purchases through HP Pay App : You earn additional 6 Payback Points worth ₹1.50 , on every ₹100 you spend at HPCL outlets through the HP Pay app – only on fuel expenses of upto ₹5,000 per month
– 1% fuel surcharge waiver on fuel purchases at all fuel stations – on all fuel expenses upto ₹5,000 per month.
(Fuel includes petrol, diesel & LPG)

2.50% special benefit on grocery purchases & utility expenses : You earn 10 reward points worth ₹2.50 , on every ₹100 you spend on grocery & utility spends – only on combined total purchases of up to ₹4,000 per month in this category.

2.50% special benefit on FASTag
– You earn 10 reward points worth ₹2.50 , on every ₹100 you spend on FASTag recharges – only on upto ₹2,000 of recharges every month.
– IDFC FIRST FASTag transactions are eligible for rewards only if done through FIRST forward and IDFC FIRST Mobile Banking app

0.33% basic benefit on all other purchases : You earn 1.33 points worth ₹0.33 (33 paise) , on every ₹100 you spend on all other purchases.
Exceptions : No reward points are given on following card spends & transactions – HPCL fuel & LPG spends beyond monthly capping, non-HPCL fuel, insurance premium, EMI transactions & cash withdrawals

Emergency complimentary roadside assistance (RSA) package worth ₹1399
– You get 24X7 assistance for flat tires & tire change, battery jump-start or alternate battery, fuel delivery, lost key replacement, minor repairs, vehicle towing (if required) – through Global Assure
– You can avail this benefit up to 4 times a year. To know more details, please click here.

Various insurance covers as per list below –
– ₹25,000 insurance cover for Lost Card Liability, Counterfeit/Skimming/Phishing and Online Fraud Protection – for transactions on your IDFC FIRST Bank Credit Card.
– ₹2,00,000 Personal Accident Cover – in the unfortunate event of an accidental death OR permanent disability due to a sudden, unforeseen and involuntary event caused by external, visible and violent means. Claim under this cover is payable only once, irrespective of the number of cards held by the cardholder.
– Credit shield cover of ₹50,000 – for unpaid bills on the card , in the event of an accidental death of the cardholder. This protects and gives peace of mind to legal heirs / next of kin.
Above insurance covers are applicable only for an active card i.e cardholder should have done atleast 1 purchase/ATM withdrawal transaction during the last 30 days, using their IDFC FIRST Bank Credit Card. For details, please visit here.

6.50% earning on fuel purchases
– 4% special benefit on HPCL fuel purchases : You earn ₹4 , on every ₹100 you spend at HPCL pumps – only on HPCL fuel expenses of upto ₹5,000 per month
– Additional benefits of 1.5% on HPCL fuel purchase through HP Pay App: You earn additional ₹1.50 , on every ₹100 you pay using your HP Pay app – at HPCL outlets
– 1% fuel surcharge waiver on all fuel purchases – at all fuel stations , only on fuel expenses upto ₹4,000 per month

5% benefit on departmental store purchases, and electricity/ mobile bill payments : You earn ₹5 , on every ₹100 you spend on electricity/mobile bills and at departmental stores – only on combined total purchases of upto ₹2,000 per month

0.50% benefit on all other purchases : You earn ₹0.50 (50 paise) , on every ₹100 you spend on all other purchases.

Complimentary airport lounge access in India : Complimentary domestic airport lounge access – upto 4 times per year (maximum 1 per quarter). This is valid in a particular quarter only if you have spent a minimum of ₹5,000 in the previous quarter.

5% benefit at BookMyShow movies : When you buy a minimum of 2 tickets, you get a 25% discount on a purchase upto ₹400 (since maximum discount is ₹100). On a purchase more than ₹400, your discount% will be lower than 25%. This offer can be availed maximum 2 times per month.

5% benefit at Inox movies : When you buy a minimum of 2 tickets, you get a 25% discount on a purchase up to ₹400 (since maximum discount is ₹100). On a purchase more than ₹400, your discount% will be lower than 25%. This offer can be availed maximum 2 times per month.

4.25% earning on fuel purchases –
– 3.25% special benefit on BPCL fuel purchases : You earn 13 reward points worth ₹3.25 , on every ₹100 you spend at Bharat Petroleum Corporation Limited (BPCL) fuel outlets – only on purchases upto ₹10,000 per month. The individual fuel transaction amount can not be more than ₹4,000. 1 reward point = ₹0.25 or 25 paise.
– 1% fuel surcharge waiver – at all fuel stations, on fuel purchases upto ₹5,000 per month.

1.25% benefit on grocery spends, departmental store purchases, movie & dining spends : You earn 5 reward points worth ₹1.25 , on every ₹100 you spend on grocery spends, departmental store purchases, movie & dining spends – only on combined total spends upto ₹1 lakh per month in this category. 1 reward point = ₹0.25 or 25 paise.

0.25% basic benefit on all other spends : You earn 1 reward point worth ₹0.25 (25 paise) , on every ₹100 you spend on all other purchases. 1 reward point = ₹0.25 or 25 paise.
Important Exceptions – no reward points are earned on educational services and government institution spends.