Fuel Credit Cards in India 2026

1. Direct and Significant Fuel Savings

The most immediate benefit is the direct reduction in your fuel costs.

1. Surcharge Waivers: Save between 1% and 2.5% on every fuel purchase through fuel surcharge waivers.
2. Cashback Offers: Many cards provide additional cashback on your fuel spending, further cutting down your monthly expenses. This is especially beneficial for frequent drivers and those who take long road trips.

2. Lucrative Reward & Turbo Points

Fuel credit cards turn your expenses into valuable rewards.

1. Earn on Every Transaction: Accumulate reward points, sometimes called "Turbo Points," on every fuel purchase and often on other spending categories as well.
2. Flexible Redemption: These points can be easily redeemed for free fuel, statement cashback, gift vouchers, or even travel perks, providing tangible value back on your spending.
3. Bonus Points: Many cards offer accelerated or bonus points when used at specific, co-branded fuel stations.

3. Simplified Expense Management

Keep your fuel spending organized and under control.

1. Convenience: Eliminate the need for cash or juggling multiple cards for your fuel bills.
2. Easy Tracking: Most cards come with robust mobile app support, allowing you to easily track and manage your fuel expenditures in one place.

4. Valuable Complimentary Benefits & Lifestyle Perks

These cards often extend their benefits far beyond the fuel station.

1. Entertainment & Dining: Enjoy exclusive discounts on dining, and take advantage of offers on movie tickets through platforms like BookMyShow.
2. Travel & Assistance: Some premium cards offer complimentary benefits like concierge services, roadside assistance, and travel insurance, adding great value for frequent travelers.
3. Fee Waivers & Bill Payments: Many cards come with the possibility of an annual fee waiver based on your spending and allow you to conveniently pay utility and telecom bills.

5. Secure and Safe Transactions

Travel and transact with complete peace of mind.

1. Advanced Security: Fuel credit cards are equipped with modern security features like chip protection, two-factor authentication, and constant fraud monitoring.
2. Safe Payments: These features ensure that your payments are safe and secure, whether you are in your home city or traveling.

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 10 of the best fuel credit cards available.

BPCL SBI Credit Card

Fees

1. Joining Fee: Rs. 499 plus taxes
2. Annual Fee: Rs. 499 (Waived on spending Rs. 50,000 and above in the previous year)

Benefits & Rewards

1. Earn 4.25% value back on BPCL fuel spends through 13X reward points, capped at 1300 points per billing cycle.
2. Receive 2,000 bonus Reward Points (worth Rs. 500) upon payment of the joining fee.
3. Enjoy a 1% fuel surcharge waiver on BPCL transactions up to ₹4,000 per swipe, saving up to Rs. 1,200 annually.
4. Instantly redeem reward points for fuel at BPCL outlets.
5. Earn 5 reward points for every Rs. 100 spent on dining, departmental stores, movies, and groceries.
6. Get 1 reward point for every Rs. 100 spent on other retail transactions.

BPCL SBI Card Octane

Fees

1. Joining Fee: Rs. 1,499 plus GST
2. Annual Fee: Rs. 1,499 plus GST (Waived on spending Rs. 2 lakh or more annually)

Benefits & Rewards

1. Get 6,000 reward points as a welcome benefit.
2. Save up to 7.25% on BPCL fuel (25X reward points, capped at 2500 points per billing cycle).
3. Get a 1% fuel surcharge waiver on fuel transactions up to Rs. 4,000.
4. Receive four complimentary domestic lounge accesses annually.
5. Earn 10 reward points for every Rs. 100 spent on dining, departmental stores, movies, and groceries.
6. Receive a gift voucher worth Rs. 2,000 on annual spends of Rs. 3 lakhs.
7. Includes fraud liability cover of Rs. 1 lakh.

IndianOil RBL Bank XTRA Credit Card

Fees

1. Joining Fee: Rs. 1,500 plus GST
2. Annual Fee: Rs. 1,500 (Waived on spending Rs. 2.75 lakh annually)

Benefits & Rewards

1. Get up to 8.5% savings on IndianOil fuel (7.5% as fuel points and 1% as a surcharge waiver).
2. Earn 3,000 Fuel Points on your first transaction of Rs. 500 or more within 30 days.
3. Receive 1,000 Fuel Points on exceeding a quarterly spending milestone of Rs. 75,000.
4. On a monthly spend of Rs. 45,000, the card offers 250 liters of free petrol per year as fuel points.
5. Get two fuel points for every Rs. 100 spent on shopping.

IndianOil Axis Bank Premium Credit Card

Fees

1. Joining Fee: Rs. 1,000 plus GST
2. Annual Fee: Waived on spending Rs. 1 lakh or more.

Benefits & Rewards

1. Earn 6X EDGE Miles for every Rs. 150 spent at Indian Oil outlets.
2. Get a 1% unlimited Fuel Surcharge Waiver at Indian Oil outlets.
3. Get 500 EDGE MILES on your first spend within 30 days of card issuance.
4. Earn 2 EDGE MILES on every Rs. 150 spent on groceries or at supermarkets.
5. Earn 1 EDGE MILE reward point on every Rs. 150 spent.
6. Annual fee is waived on completing transactions worth Rs. 30,000 and above in an anniversary year.

IndianOil Axis Bank Credit Card

Fees

1. Joining Fee: Rs. 500
2. Annual Fee: Rs. 500 from the second year onwards.

Benefits & Rewards

1. Earn 1,250 EDGE reward points matching your first fuel spend (up to Rs. 250) within 30 days.
2. Get 4% back as 20 EDGE reward points per Rs. 100 on fuel purchases at IOCL outlets.
3. Get a 1% waiver on fuel surcharge.
4. Receive a discount of up to 10% on movie tickets booked through the BookMyShow app.
5. Earn 5 reward points for every Rs. 100 spent on online shopping.
6. Annual fee is waived on completing transactions worth Rs. 3.5 lakh and above.

Indian Oil Kotak Credit Card

Fees

1. Joining Fee: Rs. 449
2. Annual Fee: Rs. 449 (Waived on spending Rs. 50,000 in the previous year)

Benefits & Rewards

1. Get up to 5% savings on Indian Oil fuel.
2. Receive a 1% fuel surcharge waiver on fuel spends (capped at Rs. 100 per month).
3. Get 2% back as reward points on grocery and dining transactions.
4. Get 0.5% back as reward points on other transactions.

HPCL BoB Energie Credit Card

Fees

1. Joining Fee: Rs. 499
2. Annual Fee: Waived on spending Rs. 50,000 in an anniversary year.

Benefits & Rewards

1. Get 5% savings on fuel purchases at LPG and HPCL retail outlets.
2. Receive 1.5% cashback on fuel purchases through the HP Pay app.
3. Get a 1% fuel surcharge waiver for transactions between Rs. 400 and Rs. 5,000 at HPCL stations.
4. Receive 500 bonus Reward Points for spending Rs. 5,000 within the first 60 days.
5. Get four complimentary lounge accesses every year (1 per quarter).

IndianOil HDFC Bank Credit Card

Fees

1. Joining Fee: Rs. 500 plus GST
2. Annual Fee: Rs. 500 plus GST (Waived on spending Rs. 50,000 and above in the previous year)

Benefits & Rewards

1. Get 5% back as Fuel Points on IOCL fuel purchases.
2. Receive complimentary Indian Oil XTRAREWARDS membership.
3. Get a 1% fuel surcharge waiver (up to Rs. 250 per month on transactions of at least Rs. 400).
4. Earn Fuel Points worth 5% on spends at Indian Oil outlets, groceries, and bill payments.

ICICI HPCL Coral Credit Card

Fees

1. Joining Fee: Rs. 199 plus GST
2. Annual Fee: Rs. 199 plus GST (Waived on spending Rs. 50,000 in the previous year)

Benefits & Rewards

1. Save up to 3.5% on fuel expenses at HPCL petrol pumps, with 2.5% as cashback (capped at Rs. 100 per month).
2. Get a 1% fuel surcharge waiver on fuel expenses between Rs. 400 and Rs. 4,000.
3. Earn 6x to 12x reward points on iShop.
4. Get a 25% discount (up to Rs. 100) twice a month on movie ticket bookings.

ICICI HPCL Super Saver Credit Card

Fees

1. Joining Fee: Rs. 500 plus GST
2. Annual Fee: Rs. 500 plus GST (Waived on spending Rs. 1,50,000 and above in the previous year)

Benefits & Rewards

1. Receive 2,000 reward points as a joining benefit.
2. Get up to 5% savings on fuel spends at HPCL pumps and on the HP Pay app.
3. Enjoy a 1% fuel surcharge waiver on all fuel spends.
4. Get one complimentary domestic lounge access.
5. Get a 25% discount (up to Rs. 100) twice a month on movie ticket bookings.

IDFC FIRST Power+ Credit Card

Fees

1. Joining Fee: Rs. 499 plus GST
2. Annual Fee: Rs. 499

Benefits & Rewards

1. Save up to Rs. 18,500 in a year and get a welcome benefit worth Rs. 2,500.
2. Save up to 6.5% on your fuel transactions.
3. Save 5% as rewards on utility, grocery, and IDFC First FASTag recharge.
4. Receive a gift voucher worth Rs. 500 on completing HPCL fuel transactions of Rs. 500 or more.
5. Get one complimentary domestic lounge access per month on completing transactions worth Rs. 20,000.
6. Get a flat 25% off (up to Rs. 100) on movie tickets once a month.

IDFC First HPCL Power Credit Card

Fees

1. Joining Fee: Rs. 199 plus GST
2. Annual Fee: Rs. 199

How to Choose the Best Fuel Credit Card in 2026?

The factors that you must consider before selecting fuel credit card are mentioned in the table below: 

How to Apply for a Fuel Credit Card?

You can apply for a fuel credit card by visiting the nearest branch of your chosen bank or by submitting an application online. Simply fill out the required form and provide the necessary documents to complete the process. Once approved, the fuel credit card helps you to conveniently manage and reduce your fuel expenses.

Eligibility for  Fuel Credit Cards

The eligibility to apply for a fuel credit card seems to vary from bank to bank. However, some of the common eligibility norms that an applicant needs to fulfil are:

1. Need to have a good credit score.
2. Need to fulfil the minimum age and income bracket as prescribed by the bank.

Note: The eligibility criteria may vary depending on the bank policy. 

Credit cards make payments easy for all expenses online and offline while offering various benefits

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