Best Fuel Credit Cards to Save on Every Fuel Purchase

What is a Fuel Credit Card?

A Fuel Credit card is being offered by banks to customers in a bid to provide them with maximum benefits while purchasing fuel. Having this card enables those who constantly buy fuel for various purposes to lower their expenditure on fuel. Apart from that, it enables the users of Fuel Credit cards to use it for other benefits with regard to lifestyle.

How to Apply for a Fuel Credit Card?

An individual can apply for a Fuel Credit card by visiting the nearest branch of the bank from which he/she wants to avail of the card or apply online. The applicant needs to fill out the application form and provide the documents asked for to get himself/herself the Fuel Credit card and cut down on fuel expenses.

Who Are Eligible to Apply for a Fuel Credit Card?

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.

Benefits of Fuel Credit Cards

With many banks and financial institutions offering credit cards, the benefits that come with Fuel Credit cards differ. Apart from lowering the expenses with regard to purchasing fuel, some other benefits that come with Fuel Credit cards are as follows:

1. Get Reward Points
2. Redemption of points earned
3. Eligible for Cashback
4. Eligible for Surcharge Waiver
5. Dining offers
6. BookMyShow Offer
7. Eligible for Turbo Points
8. Waiver of Annual Fees
9. Can make utility bill payments
10. Eligible for Telecom benefits
11. Concierge Service

How to Choose the Best Fuel Credit Card in 2025?

Why opt For a Fuel Credit Card?

When most credit cards that exist in the market offer fuel benefits to individuals, the question emerges as to why one should opt for a Fuel Credit card. The answer to this question is that Fuel Credit cards are specially designed to save money every time an individual refills his vehicle with fuel.

With petrol and diesel prices on the rise, a Fuel Credit card can enable an individual to cut down on the expenses that go into buying fuel.

Factors to Consider While Selecting the Best Fuel Credit Card

Top Fuel Credit Cards

BPCL SBI Credit Card

1. Joining Fee: Rs.499
2. Renewal Fee: Rs.499

Benefits

1. Earn 13X Reward Points on BPCL Fuel Purchases: Use the card at BPCL fuel stations to earn 13 times the regular reward points. This gives you a value back of 4.25% on your fuel spends.
2. Fuel Surcharge Waiver: Get a 1% fuel surcharge waiver on BPCL fuel transactions up to Rs.4,000. This helps lower your overall fuel costs.
3. Instant Redemption at BPCL Outlets: Redeem your reward points immediately at BPCL fuel stations. No need to wait or accumulate a large balance.
4. Joining Bonus Worth Rs.500: Pay the joining fee and get 2,000 bonus reward points. These points are equivalent to Rs.500 and can be redeemed for fuel.
5. Save Up to Rs.1,200 Annually: With a maximum of Rs.100 waived per billing cycle, you can save up to Rs.1,200 per year on fuel surcharge fees.

BPCL SBI Card Octane

1. Joining Fee: Rs.1,449
2. Renewal Fee: Rs.1.449

Benefits:

1. 1% Fuel Surcharge Waiver: Enjoy a 1% fuel surcharge waiver on eligible BPCL fuel transactions. The benefit is capped at Rs.100 per month.
2. 25 Reward Points per Rs.100 Spent: Earn 25 reward points for every Rs.100 spent at BPCL fuel stations, on lubricants, and Bharat Gas (when using the website or app). Monthly cap of 500 points applies.
3. Up to 7.25% Savings on Fuel: Combined benefits can help you save up to 7.25% on fuel purchases made at BPCL outlets.

BPCL SBI Card Octane

1. Joining Fee: Rs.1500
2. Renewal Fee: Rs.1500

Benefits:

1. 1% Fuel Surcharge Waiver: Receive a 1% waiver on fuel surcharge at IndianOil outlets, capped at Rs.200 per month.
2. 15 Fuel Points per Rs.100 Spent: Get 15 Fuel Points for every Rs.100 spent at IOCL fuel stations, up to 2,000 Fuel Points per month.
3. 3,000 Bonus Fuel Point: Earn 3,000 Fuel Points when you make your first transaction of Rs.500 or more within 30 days of card issuance.
4. Reward Redemption Value: 1 Fuel Point is equal to Rs.0.50, while 1 XTRAREWARD Point is valued at Rs.0.30.
5. Up to 8.5% Savings on Fuel: Total fuel savings can go up to 8.5% at IndianOil fuel stations when combining points and surcharge waivers.

IndianOil Axis Bank Premium Credit Card

1. Joining Fee: Rs.1000
2. Renewal Fee: Waived of on spending Rs.1 lakh or more

Benefits:

1. 1% Unlimited Fuel Surcharge Waiver: Enjoy a 1% waiver on fuel surcharge for all fuel transactions made at IndianOil outlets, with no monthly cap.
2. 500 EDGE MILES Welcome Bonus: Receive 500 EDGE MILES when you make your first transaction within 30 days of receiving the card.
3. 6X EDGE Reward Points: Earn 6X EDGE Reward Points for every Rs.150 spent at IndianOil fuel stations.

IndianOil Axis Bank Credit Card

1. Joining Fee: Rs.500
2. Renewal Fee: Rs.500

Benefits:

1. 1% Fuel Surcharge Waiver: Get a 1% waiver on fuel surcharge at IndianOil outlets, capped at Rs.50 per month.
2. 4% Back on Fuel Spends: Earn 20 EDGE Reward Points per Rs.100 on fuel purchases ranging from Rs.400 to Rs.4,000 at IOCL stations. Capped at 1,000 points per month.
3. EDGE Reward Match Bonus: Receive EDGE Reward Points equal to your first fuel transaction (up to Rs.250) if made within 30 days of card issuance.
4. Reward Value: Each EDGE Reward Point is worth Rs.0.20, offering effective savings on fuel redemptions.
5. Total Savings: Enjoy up to 5% total savings on IndianOil fuel spends through combined rewards and surcharge waiver.

IndianOil Kotak Credit Card

1. Joining Fee: Rs.449
2. Renewal Fee: Rs.449

Benefits:

1. 1% Fuel Surcharge Waiver: Applicable on IndianOil fuel spends between Rs.100 to Rs.5,000, capped at Rs.100 per month.
2. Kotak Reward Conversion: Convert 300 Kotak Reward Points into 250 XTRAREWARDS, equivalent to Rs.75 in fuel value.
3. Reward Points on Fuel: Earn 24 Reward Points per Rs.150 spent on IndianOil fuel purchases. Monthly cap of 1,200 points.
4. Total Savings: Get up to 5% savings on IndianOil fuel through a combination of reward points and surcharge waivers.

HPCL BoB Energie Credit Card

1. Joining Fee: Rs.499
2. Renewal Fee: Waived of on spending Rs.50,000 or more

Benefits:

1. 5% Fuel Savings: Enjoy up to 5% savings on fuel purchases at LPG and HPCL retail outlets.
2. 1% Fuel Surcharge Waiver: Applicable on fuel transactions between Rs.400 and Rs.5,000 at HPCL fuel stations.
3. Welcome Bonus: Earn 500 bonus Reward Points by spending Rs.5,000 within the first 60 days of card activation.

IndianOil HDFC Bank Credit Card

1. Joining Fee: Rs.500
2. Renewal Fee: Rs.500

Benefits:

1. 5% Back as Fuel Points: Earn 5% back as Fuel Points on fuel purchases at IndianOil outlets, groceries, and bill payments.
2. XTRAREWARDS Membership: Get complimentary IndianOil XTRAREWARDS membership with your card.
3. 1% Fuel Surcharge Waiver: Available on transactions of at least Rs.400, capped at Rs.250 per month.
4. Flexible Redemption Options: Fuel Points can be redeemed as statement credit at Rs.0.20 per point, or converted into XTRAREWARDS at Rs.0.96 per point.

ICICI HPCL Coral Credit Card

1. Joining Fee: Rs.199
2. Renewal Fee: Rs.199

Benefits:

1. Up to 3.5% savings on HPCL fuel: Combines cashback and surcharge waiver benefits to help you cut down on fuel costs at HPCL pumps.
2. 2.5% cashback on HPCL fuel purchases: Earn 2.5% cashback every time you refuel at HPCL outlets. The cashback is capped at Rs.100 per month, making it ideal for regular users with moderate fuel spends.
3. 1% fuel surcharge waiver: Enjoy a 1% waiver on fuel surcharge for transactions up to Rs.4,000 per fuel purchase. This adds to your overall savings and makes refuelling more cost-efficient.

ICICI HPCL Super Saver Credit Card

1. Joining Fee: Rs.500
2. Renewal Fee: Rs.500

Benefits:

1. Up to 6.5% savings on HPCL fuel: Get a combination of cashback, reward points, and surcharge waivers when you fuel up at HPCL stations using eligible modes.
2. 4% cashback on HPCL fuel purchases: Earn 4% cashback directly on your HPCL fuel transactions. Cashback is capped at Rs.200 per month, making it ideal for consistent monthly fuel usage.
3. 1.5% additional savings through rewards: Earn 6 reward points for every Rs.100 spent on HPCL fuel via the HP Pay app. These points can be redeemed later, adding extra value to your fuel expenses.
4. 1% fuel surcharge waiver: Save more with a 1% waiver on the fuel surcharge across all fuel transactions, regardless of the outlet or payment mode.

IDFC First HPCL Power Credit Card

1. Joining Fee: Rs.199
2. Renewal Fee: Rs.199

Benefits:

1. Earn up to 5% savings on fuel expenses: Enjoy meaningful savings on your regular fuel spends, making this card suitable for frequent vehicle users.
2. Rs.250 cashback on first HPCL fuel transaction: Make your first HPCL fuel purchase of Rs.250 or more within 30 days of card issuance and receive Rs.250 cashback as a starter benefit.
3. Welcome benefits worth Rs.2,250: Unlock a bundle of welcome perks valued at Rs.2,250, which may include discounts, offers, or reward points, depending on the issuer’s ongoing promotion.

IDFC FIRST Power+ Credit Card

1. Joining Fee: Rs.499
2. Renewal Fee: Rs.499

Benefits:

1. Up to 6.5% savings on HPCL fuel: Total savings include both cashback and reward benefits on eligible HPCL transactions.
2. 5% back as 30 reward points per Rs.150 spent: Earn rewards on HPCL fuel and LPG purchases, contributing to regular savings.
3. Additional 1.5% savings via HP Pay app: Earn 6 Happy Coins per Rs.100 spent when transacting through the HP Pay app.
4. Rs.500 cashback on first HPCL transaction: Receive Rs.500 cashback on your first HPCL spend of at least Rs.500 within 30 days of card activation.

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

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