Best Fuel Credit Card in India

In an age defined by convenience and mobility, the symbiotic relationship between personal finance and technology has paved the way for innovative solutions that cater to our everyday needs. One such innovation that has revolutionized the way we interact with our vehicles and manage our expenses is the Fuel Credit Card. Much more than just a piece of plastic, a fuel credit card empowers motorists with the ability to streamline fuel purchases, maximize savings, and simplify expense tracking.

Best Fuel Credit Cards in India 2023

Fuel credit card have emerged as indispensable tools for savvy consumers looking to optimize their expenses. Among the myriad options available in India, a handful stand out as the best fuel credit card, offering a combination of attractive rewards, discounts, and convenience. These credit cards, typically offered by leading banks and financial institutions, provide users with substantial cashback and reward points on fuel transactions, making every visit to the pump a rewarding experience. From hefty discounts on fuel purchases to access to exclusive airport lounges and dining privileges, these cards cater to diverse lifestyles and preferences. In this article, we delve into the top contenders in the Indian fuel credit card market, evaluating their benefits, fees, and eligibility criteria, for making an informed choice that aligns seamlessly with your financial goals and driving habits.

Top BPCL Fuel Credit Cards

The BPCL (Bharat Petroleum Corporation Limited) fuel credit card is a valuable financial tool tailored for those who frequently use BPCL fuel stations for their vehicle refueling needs. This specialized credit card offers users a host of benefits. By aligning with the prominent fuel provider, these cards not only offer financial advantages but also streamline the refueling experience, making it more rewarding and convenient for cardholders across India.

BPCL SBI Card Octane

The BPCL SBI Card Octane is a specialized credit card created through a partnership between SBI and Bharat Petroleum. Designed to cater to fuel enthusiasts, this card offers unique advantages. It simplifies usage with a standard value for each Reward Point, focusing primarily on fuel-related benefits. With accelerated Reward Points for fuel spending at BPCL pumps, this card maximizes rewards for users. Considering its reasonable fee, the BPCL SBI Card Octane is an attractive option for individuals seeking to save on fuel costs while enjoying various benefits and offers.

Key Highlights of BPCL SBI Card Octane

    • Joining Fee: Pay Rs. 1499 one-time.
    • Renewal Fee: Rs. 1499 + GST per year from the second year, but you can get it back if you spend Rs. 200,000 or more in a year.
    • Add-on Fee: NIL
    • Welcome Gift:
      Get 6000 bonus reward points, worth INR 1500, when you pay the annual fee.
      You’ll receive these points within 30 days of paying the fee.
    • Value Back Benefits:
      Get back 7.25% value (25X Reward Points) on fuel purchases at BPCL pumps.
      Maximum 2500 Reward Points every billing cycle.
      6.25% + 1% Fuel surcharge waived on each BPCL transaction up to ₹ 4000 (excluding GST and other charges).
    • Reward Benefits:
      Get 25 Reward Points for every Rs. 100 spent on BPCL Fuel, Lubricants & Bharat Gas (on website and app only).
      Enjoy 10 Reward Points for every Rs. 100 spent on Dining, Departmental Stores, Grocery & Movies (up to 7500 Reward Points per month).
    • Fuel Freedom Benefits:
      No need to pay the 1% fuel surcharge at any BPCL petrol pump in India for transactions up to Rs. 4,000 (excluding GST and other charges).
      Max waiver of Rs. 100 per statement cycle per credit card account, like an Annual Savings of Rs. 1200.

BPCL SBI Credit Card

The BPCL SBI Credit Card is a valuable collaboration between SBI and Bharat Petroleum, designed to cater to fuel-focused individuals. With a strong emphasis on savings, this card offers up to 4.25% discount on fuel purchases, making it a compelling choice for vehicle owners. Its user-friendly nature is highlighted by the consistent value of Reward Points, providing straightforward benefits. While the card’s primary focus is on fuel-related perks, its versatile nature extends beyond fuel, offering rewards and offers for various expenditures. With its partnership benefits, including accelerated Reward Points for fuel transactions and fuel surcharge waivers, the BPCL SBI Credit Card stands as a sought-after option in India’s credit card landscape.

Key Highlights of BPCL SBI Credit Card

    • Joining Fee: Pay Rs. 499 + GST when you first get the card.
    • Renewal Fee: Rs. 499 + GST per year from the second year, but you can get it back if you spend Rs. 50,000 or more in the last year.
    • Add-on Fee: No extra fee for adding another card.
    • Welcome Gift: Get 2000 Activation Bonus Reward Points, worth Rs. 500, when you start using the card.
    • Value Back Benefits:
      Get back 4.25% value (13X Reward Points) on fuel purchases at BPCL pumps.
      Max 1300 Reward Points each billing cycle.
      3.25% + 1% Fuel surcharge waived on each BPCL transaction up to ₹ 4000 (excluding GST and other charges).
    • Reward Benefits:
      Get 5X Reward Points for every Rs. 100 spent on Groceries, Departmental Stores, Movies & Dining (up to 5000 Reward Points per month).
      Earn 1 Reward Point for every Rs. 100 spent on non-fuel retail purchases.
    • Fuel Freedom Benefits:
      Get 4.25% Valueback (13X Reward Points equal to 3.25% + 1% Fuel surcharge waiver) on every transaction up to Rs. 4,000 (excluding GST and other charges) at any BPCL pump.
      Maximum surcharge waiver of Rs. 100 in a billing cycle, like an Annual Savings of Rs. 1200.
    • Worldwide Acceptance:
      Your BPCL SBI Card works globally at over 24 million places, including 3,25,000 outlets in India.
      Use it wherever Visa or MasterCard are accepted.

Top IndianOil Fuel Credit Cards

IndianOil Fuel Credit Cards are specialized credit cards designed to cater to the fuel needs of vehicle owners in India. These cards are offered in collaboration with IndianOil Corporation, one of the largest and most prominent fuel providers in the country. IndianOil Fuel Credit Cards offer unique benefits tailored to frequent fuel purchasers, including attractive cashback, reward points, and discounts on fuel transactions made at IndianOil fuel stations. By aligning with IndianOil, these credit cards not only provide financial advantages but also streamline the refueling process, making it more convenient and cost-effective for cardholders.

IndianOil Axis Bank Credit Card

The IndianOil Axis Bank Credit Card is a powerful financial tool born out of the partnership between IndianOil and Axis Bank. This collaboration has resulted in a credit card that brings exceptional benefits, particularly for fuel-related expenses. This card offers a range of advantages, including reward points on various transactions and accelerated benefits for fuel purchases at authorized IndianOil outlets. Beyond fuel, the card extends its benefits to shopping, movie bookings, dining discounts, and even UPI transactions.

IndianOil Axis Bank Credit Card
IndianOil Axis Bank Credit Card

Key Highlights of IndianOil Axis Bank Credit Card

    • Joining Fee: Pay Rs. 500. If eligible, you might get a Lifetime Free offer for specific channels.
    • Annual Fee: No fee for the 1st year. From the 2nd year, it’s Rs. 500, but you might still get Lifetime Free offer for certain channels.
    • Welcome Benefits: Get 100% cashback (up to Rs. 250) for all fuel purchases in the first 30 days after getting the card.
    • Earn Reward Points for each purchase.
    • Up to 10% off on movie tickets using BookMyShow.
    • Up to 20% discount on dining bills through Axis Bank Dining Delights program.
    • Eligibility:
      Main cardholder must be between 18 and 70 years old.
      Add-on cardholder should be over 15 years.
      You should either be a Resident of India or a Non-Resident Indian.

IndianOil HDFC Bank Credit Card

The IndianOil HDFC Bank Credit Card is a valuable financial tool that caters to individuals in non-metro cities and towns of India. Available in both Visa and RuPay variants, this card focuses on providing benefits to fuel consumers. It enables users to earn ‘fuel points’ across various spending categories, which can be used to offset fuel expenses at IndianOil fuel stations. Created through a collaboration between HDFC Bank and IndianOil, this co-branded credit card not only rewards users with points for their spending but also offers the flexibility to convert these points into cash or for purchasing fuel. With its specialized features and rewards system, the IndianOil HDFC Bank Credit Card serves as a convenient way for individuals, particularly those with commercial vehicles, to optimize their fuel-related expenses.

Key Highlights of IndianOil HDFC Bank Credit Card

IndianOil HDFC Bank Credit Card
IndianOil HDFC Bank Credit Card
    • Joining/Renewal Membership Fee: Pay Rs. 500 + Taxes.
    • First Year Spend Benefit: Spend Rs. 50,000 or more in the first year and the renewal fee is waived.
    • Annual Free Fuel: Get up to 50 liters of free fuel every year.
    • Fuel Points:
      Get 5% of your spending as Fuel Points at IndianOil outlets (up to 250 Fuel Points per month for the first 6 months, up to 150 Fuel Points after 6 months from card issuance).
      Earn 5% Fuel Points on Groceries and Bill Payments (up to 100 Fuel Points each category per month).
      Earn 1 Fuel Point for every Rs. 150 spent on all other purchases.
    • Additional Benefits:
      Complimentary membership in the IndianOil XTRAREWARDS Program (IXRP).
      1% fuel surcharge waiver at all fuel stations in India (on transactions of at least Rs. 400, max CashBack of Rs. 250 per statement cycle).
    • Eligibility:
      For Salaried Indian Nationals: Age between 21 to 60 years, Net Monthly Income > Rs. 10,000.
      For Self-Employed Indian Nationals: Age between 21 to 65 years, Annual Income > Rs. 6 Lakhs per annum.

IndianOil Citi Credit Card

The IndianOil Citi Credit Card is a powerful financial tool that combines the benefits of both IndianOil and Citibank. This card offers users more than just fuel benefits, with enticing discounts and cashback opportunities on various renowned brands like Amazon, Zomato, and Samsung. Collaboratively issued by Citibank and IndianOil, this card provides an avenue to accumulate Turbo Points for every purchase made. These Turbo Points can be flexibly redeemed across a range of categories, including fuel, enhancing the overall value of the card. Beyond being a fuel card, the IndianOil Citi Credit Card caters to diverse spending needs, making it a rewarding choice for everyday transactions.

Key Highlights of IndianOil Citi Credit Card

    • Joining Fee: Pay Rs. 1000 + taxes when you start.
    • Annual Fee Waiver: No fee (Rs. 1000 + taxes) if you spend Rs. 30,000 or more in a year.
    • Activation Benefit: Get 250 Turbo Points on your first purchase within 30 days of getting the card.
    • Accelerated Rewards on Fuel:
      Earn 4 Turbo points for every Rs. 150 spent on fuel at authorized IndianOil outlets.
      Get 1% fuel surcharge refunded.
    • Earn on Daily Spends:
      Earn 2 Turbo points for every Rs. 150 spent on groceries and supermarkets.
      Get 1 Turbo point for every Rs. 150 spent on everything else.
    • Instant Redemption:
      1 Turbo Point = Re. 1 of free fuel.
      Redeem Turbo points through SMS or Citibank online for free fuel at authorized IndianOil outlets.

Top HPCL Fuel Credit Cards

HPCL (Hindustan Petroleum Corporation Limited) Fuel Credit Cards are specialized credit cards designed to offer a host of benefits and rewards to individuals who frequently refuel at HPCL petrol pumps. These credit cards are often offered in collaboration with leading banks or financial institutions and are tailored to enhance the refueling experience for cardholders. HPCL Fuel Credit Cards provide users with various advantages, such as cashback, reward points, and discounts on fuel purchases made at HPCL outlets. By aligning with HPCL, these credit cards not only help users manage their fuel expenses but also add convenience and financial benefits to their everyday routine.

IDFC HPCL First Power Plus Credit Card

The IDFC HPCL First Power Plus Credit Card is an upgraded version of the co-branded fuel credit cards offered by IDFC Bank in collaboration with HPCL. This card brings enhanced benefits and advantages compared to the standard First Power card. With a focus on providing exceptional value, the First Power Plus card offers attractive rewards, discounts, and privileges, especially tailored for fuel-related expenses at HPCL petrol pumps. This credit card caters to the needs of individuals seeking to optimize their fuel expenditures while enjoying additional perks and benefits.

Key Highlights of IDFC HPCL First Power Plus Credit Card

    • Joining fee: Rs. 499
    • Annual fee: Rs. 499 (waived if you spend over Rs. 150,000 in the previous year)
    • Welcome Benefits: Benefits worth Rs. 1,650 when you start.
    • Fuel Savings:
      Save up to 6.5% on fuel expenses.
      Get 4% savings as Rewards on HPCL fuel & LPG expenses (up to Rs. 10,000 per month).
      Get 1.5% savings as Payback Rewards through HP Pay App for fueling (up to Rs. 5,000 per month).
      Enjoy 1% savings as fuel surcharge waiver on fuel expenses (up to Rs. 20,000 per month).
    • Other Savings:
      Get 5% Rewards on Grocery & Utility expenses (up to Rs. 2,000 per month).
      Enjoy 5% Rewards on IDFC FIRST FASTag recharge (up to Rs. 1,000 per month).
      Get 3X Rewards on other retail transactions.
    • Additional Benefits:
      Get Rs. 500 cashback on your first HPCL fuel transaction of Rs. 500 or more (within 30 days of card setup).
      Receive 5% cashback (up to Rs. 1,000) on the value of your first EMI conversion.
      Get Rs. 150 discount on orders above Rs. 500 on Swiggy.
      Enjoy Rs. 500 discount on ZoomCar rentals.
      Get up to 50% discount on Domestic and International Rental Cars with Eco Rent A Car and Europcar (within 30 days of card setup).

HPCL Bank of Baroda (BoB) ENERGIE Credit Card

The HPCL Bank of Baroda ENERGIE Credit Card, a collaboration between HPCL and Bank of Baroda, offers cardholders unique benefits tailored to their fuel-related expenses. This co-branded credit card is designed to provide savings and perks on fuel transactions, making it a valuable tool for those looking to optimize their fuel expenses. With rewards and deals that kick in every time the card is used at HPCL petrol pumps, this card enhances the refueling experience while also offering potential savings.

Key Highlights of HPCL Bank of Baroda ENERGIE Credit Card

    • First Year Fee: Rs. 499 (paid in the first bill)
    • Annual Fee (later years): Rs. 499
    • Annual Fee Waiver: No annual fee if you spend Rs. 50,000 every year.
    • Eligibility Criteria:
      Should be an Indian Resident.
      Income: >=₹3.6 L for Salaried or >= ₹4.8 L for Self-employed.
      Age: 21 to 65 years (Primary Cardholder), Above 18 years (Add-on Cardholder).
    • Joining Rewards: Get 2000 rewards when you spend Rs. 5000 or more within 60 days of getting the card.
    • Fuel Surcharge: No 1% fuel surcharge on HPCL fuel transactions between Rs. 400-5000, including fuel purchases using HP Pay App.

ICICI Bank HPCL Super Saver Credit Card

The ICICI Bank HPCL Super Saver Credit Card, a collaboration between ICICI Bank and HPCL, offers a unique blend of benefits for fuel transactions at HPCL petrol pumps and additional rewards across various spending categories like travel, dining, and entertainment. With this co-branded credit card, users can enjoy exclusive cashback on fuel purchases while earning reward points on their everyday expenses. This card serves as a versatile tool that not only provides savings on fuel but also enhances the overall spending experience by extending its benefits to a range of other activities, making it an attractive choice for those looking to maximize their rewards and savings.

ICICI Bank HPCL Super Saver Credit Card

Key Highlights of ICICI Bank HPCL Super Saver Credit Card

    • Joining Fee: Rs 500 + GST
    • Annual Fee (2nd year onwards): Rs 500* + GST (can be avoided if you spend Rs 1,50,000 per year)
    • Supplementary Card Fee: Rs 100
    • Welcome Benefits:
      Get 2,000 bonus Reward Points when you pay the membership fee within 2 months and spend at least Rs. 5,000 in the first 45 days.
      Also, get Rs. 100 cashback on HP Pay app for your first fuel purchase of Rs. 1,000 or more.
    • Enjoy up to 6.5% cashback on fuel purchases at HPCL outlets.
    • Get free access to airport lounges.
    • Get a 25% discount on movies through BookMyShow.
    • Through ICICI Bank Culinary Treats Programme, you get special discounts on dining bills when you eat at partner restaurants.

ICICI Bank HPCL Coral American Express Credit Card

The ICICI Bank HPCL Coral American Express Credit Card is a special card designed to provide valuable benefits to its users. Partnering with HPCL, this card focuses on helping users save on fuel expenses by offering cashback and eliminating fuel surcharges. With accelerated reward points that can be redeemed for fuel at HPCL petrol pumps, it makes refueling more economical. This credit card is not only about fuel benefits – it also provides various other advantages to enhance the overall cardholder experience.

Key Highlights of ICICI Bank HPCL Coral American Express Credit Card

    • Joining Fee: Pay Rs. 199 + taxes
    • Get PAYBACK Points on everything you buy.
    • Enjoy a 25% discount when you go to the movies.
    • Get special discounts when you eat out through the Culinary Treats program.
    • Fuel Savings:
      Reduce fuel costs with 2.5% Cashback – Every month, get up to Rs. 100 cashback when you buy fuel at HPCL pumps with your ICICI Bank HPCL Coral American Express Credit Card.
      You’ll get 2.5% cashback when you spend at least Rs. 500 on fuel at HPCL fuel pumps.
    • No Fuel Surcharge:
      When you use your ICICI Bank HPCL Coral American Express Credit Card, you won’t have to pay the 1% fuel surcharge on fuel transactions up to Rs. 4,000 at HPCL pumps.

ICICI Bank HPCL Platinum Credit Card

The ICICI Bank HPCL Platinum Credit Card is your key to saving on various expenditures, with a special focus on fuel purchases. This card goes beyond regular credit cards by offering rewards for every transaction, making your spending even more worthwhile. Alongside exclusive rewards and cashback offers, the card comes with a range of additional benefits. It’s designed to provide you with a seamless and rewarding experience, especially when it comes to managing your fuel costs and other expenses.

Key Highlights of ICICI Bank HPCL Platinum Credit Card

    • Joining Fee: Rs. 199 + GST
    • First-Year Annual Fee: None
    • Annual Fee (2nd year onwards): Rs. 199* + GST
    • Supplementary Card Fee: None
    • Fuel Savings:
      Lower Fuel Costs with 2.5% Cashback: Every month, get up to Rs. 100 cashback on fuel purchases at HPCL pumps. Just use the Card on ICICI Merchant Services swipe machines.
    • No Fuel Surcharge: No 1% fuel surcharge on fuel transactions up to Rs. 4,000 at HPCL pumps. Just swipe the Card on ICICI Merchant Services swipe machines.
    • Movie Discount: Get Rs. 100 off on movie tickets any day of the week through www.bookmyshow.com. You can use this discount twice every month or save Rs. 2,400 each year.
    • Dining Savings: At least 15% savings on dining through exclusive offers from ICICI Bank Culinary Treats Programme.

Other Best Fuel Credit Cards in India

Standard Chartered Super Value Titanium Credit Card

The Standard Chartered Super Value Titanium Credit Card is designed to offer exclusive savings opportunities to its users. This credit card, issued by Standard Chartered Bank, is not tied to any specific fuel company, allowing you the flexibility to purchase fuel from any provider. While it doesn’t provide a fuel surcharge waiver, it aims to help you save on fuel expenses through various offers. Additionally, the card extends its benefits beyond fuel savings, making it a versatile option for everyday spending.

Standard Chartered Super Value Titanium Credit Card
Standard Chartered Super Value Titanium Credit Card

Key Highlights of Standard Chartered Super Value Titanium Credit Card

    • First Year Annual Fee: Pay INR 750.
    • Renewal Fee (2nd year onwards): INR 750.
    • Cashback and Rewards:
      Get 5%* cashback on fuel, telephone, and utility bills.
      Earn 1 reward point for every ₹150 spent on everything else.
    • Fuel Cashback:
      Get 5% cashback on fuel purchases at all fuel stations, up to INR 200 per month (max cashback INR 100 per transaction). Transactions of INR 2,000 or below qualify for cashback.
    • Eligibility:
      Age: Applicant’s age must be between 21 and 65 years.
      Minimum age for add-on cardholder: 18 years.
      Monthly Income: Applicants need a stable monthly income of at least INR 55,000.