Fuel Credit Cards are a great option for those who want to save money on their fuel (like Petrol & Diesel) expenses. These credit cards help you save money by offering rewards, cashback and fuel surcharge waivers on fuel purchases. Choosing the best fuel credit card for you depends on your fuel consumption and preferred brand. Below are some of Top Fuel Credit Cards in India for 2026.
1. IndianOil RBL Bank XTRA Credit Card
Fees & Charges
- Joining Fee: ₹1500+ taxes
- Annual/Renewal Fee: ₹1500+ taxes, waived if you spend more than ₹2,75,000 in last year.
- Finance Charges: Up to 3.99% per month
Key Features/Benefits
- Welcome Benefits of 3000 fuel points on spend of ₹500 within 30 days of card activation.
- 1000 fuel points of reaching on spending milestones of ₹75,000 quarterly.
- Up to 250 liters of free petrol as fuel points annually on monthly spend of ₹45,000.
- 1 Fuel point = ₹0.5 for buying extra reward points which is redeemable at IndianOil Fuel Stations.
- Up to 8.5% saving on fuel spends.
- 15 Fuel points of every ₹100 spend if you spend in IndianOil fuel stations.
- 2 Fuel points of every ₹100 spend on other purchases.
- 1% fuel surcharge waiver on fuel spends maximum ₹200 per statement cycle (valid on transactions between ₹500 to ₹4000).
- Best for IndianOil Fuel Station users.
2. IndianOil HDFC Bank Credit Card
Fees & Charges
- Joining Fee: ₹500 + taxes
- Annual/Renewal Fee: ₹500 + taxes, waived if you spend more than ₹50,000 in last year.
- Finance Charges: 3.75% per month
Key Features/Benefits
- Welcome benefit of ₹250 worth of voucher on completion of at least one transaction within 37 days of card activation.
- Earn Up to 50 Liters of free fuel annually.
- Complimentary IndianOil XTRAREWARDSTM Program (IXRP) membership.
- 5% Fuel points at IndianOil fuel stations (maximum 250 fuel points per month in first 6 months and 150 fuel points per month post 6 months).
- 5 % Fuel points on groceries and bill payments (maximum 100 points per month on each category).
- 1 Fuel point on every ₹150 spends on other transactions.
- 1% Fuel surcharge waiver on fuel spends maximum ₹250 per statement cycle (valid on minimum transaction of ₹400).
- Best for IndianOil Fuel Station users.
3. BPCL SBI Octane Credit Card
Fees & Charges
- Joining Fee: ₹1499 + taxes
- Annual/Renewal Fee: ₹1499 + taxes, waived if you spend more than ₹2,00,000 in last year.
- Finance Charges: 3.5% per month
- Cash withdrawal Charges: 2.5% or ₹500 (which is higher)
Key Features/Benefits
- Welcome benefits of 6000 reward points which is equivalent to ₹1500 on payment of annual fees.
- 7.5% value back on fuel purchase at BPCL fuel stations (maximum 2500 reward points per month).
- 6.25% + 1% fuel surcharge waiver on BPCL transactions (maximum ₹4000).
- 25 Reward points on every ₹ 100 spend on BPCL fuel stations (maximum 500 reward points per statement cycle).
- 10 Reward points on every ₹100 spend on Dinning, Departmental Stores, Grocery & Movies (Up to 7500 reward points per statement cycle).
- 1 Reward point on every ₹100 spends on other retail purchases.
- 4 Complimentary lounge visits on Domestic Airports.
- Complimentary Fraud Liability cover of ₹1 Lakh.
- Gift vouchers worth ₹2000 Aditya Birla Fashion or Yatra or Bata/Hush Pipes, if you spend more than ₹3 Lakh annually.
- Best for BPCL Fuel Station users.
4. IndianOil Axis Bank Premium Credit Card
Fees & Charges
- Joining Fee: ₹1000 + taxes
- Annual/Renewal Fee: ₹1000 + taxes, waived off if you spend more than ₹30,000 in last year.
- Cash Withdrawal Fee: 2.5% (Min. ₹500)
- Finance Charges: 3.75% per month
Key Features/Benefits
- Welcome benefits of 500 EDGE Miles on your first spend within 30 days of card activation.
- 6 EDGE Miles on every ₹150 spend for spends up to ₹15,000 per month, 1 EDGE Mile on every ₹150 spend for spends above 15,000 per month on IOCL fuel stations.
- 1 EDGE Mile = ₹1 for fuel purchase on IOCL fuel stations.
- 2 EDGE Miles on every ₹150 spend for spends up to ₹5000 per month on Grocery & Supermarket, 1 EDGE Mile on every ₹150 spends above ₹5000.
- 1 EDGE Mile on every ₹150 spends on other categories.
- 30% off (up to ₹150 per order), twice a month on food delivery on Zomato on minimum order of ₹200.
- 25% off (Maximum discount ₹800 per order) on Dinning with EazyDiner, twice a month.
- 2 Complimentary Domestic Airport lounge access per quarter on spending ₹50,000 in last quarter.
- 1 % Unlimited fuel surcharge waiver on fuel purchases at IOCL fuel Stations.
- Best for IOCL Fuel Station users.
5. HPCL IDFC First Power+ Credit Card
Fees & Charges
- Joining Fee: ₹499 + taxes
- Annual/Renewal Fee: ₹499 + taxes, waived if you spend more than ₹1,50,000 in last year.
- Interest Rate: 0.71% to 3.85% per month
- OVL Charges: 2.5% of the over-limit amount (Minimum ₹550)
Key Features/Benefits
- Welcome benefit of ₹500 Gift Voucher on HPCL Transaction of ₹500 or more within 60 days.
- Welcome benefit of ₹250 worth Shoppers Stop gift voucher on making 1st UPI transaction within 15 days of card activation.
- 5% Cashback (maximum ₹1000) on first EMI conversion within 30 days of card activation.
- 5% Saving on fuel spends, 30 reward points on every ₹150 spend on HPCL fuel stations (maximum 2400 reward points in a statement cycle).
- 1.5% savings on fuel spends through HP Pay App, 6 Happy Coins on every ₹100 on fuel spend through HP Pay App (maximum 600 Happy coins per month).
- 5% Savings on Grocery & Utility spends, 30 reward points on every ₹150 spend (maximum 400 rewards per month).
- 5% Savings on IDFC First FASTAG Recharge, 30 reward points on every ₹150 spend (maximum 200 rewards per month).
- Up to 8.83 % saving on Travel, 53 reward points on every ₹150 spend on hotels and 33 reward points on every ₹150 spend on flights.
- 1 Reward Point = ₹0.25
- 1 Complimentary Domestic Airport Lounge access per quarter on minimum spend of ₹20,000 per month.
- Complimentary Roadside Assistance worth ₹1399.
- 25% off on movie tickets (maximum ₹100, once a month).
- Complimentary personal accident cover worth ₹2 lakh.
- Complimentary lost card liability cover worth ₹25,000.
- Best for HPCL Fuel Stations users.
6. ICICI HPCL Super Saver Credit Card
Fees & Charges
- Joining Fee: ₹500 + taxes
- Annual/Renewal Fee: ₹500 + taxes, waived if you spend more than ₹1,50,000 in last year.
- Cash Withdrawal Charges: 3.75%
- Forex Markup: 3.5%
Key Features/Benefits
- Welcome benefit of 2000 reward points on card activation and payment of joining fee.
- 4% cashback (maximum ₹200 per month) on fuel purchases at HPCL fuel station.
- 1.5% cashback on fuel purchases through HP Pay App.
- 2 Reward points on every ₹100 spend on retail purchases.
- 1 ICICI Reward point = ₹0.25
- 1% Fuel Surcharge Waiver up to ₹4000.
- 25% discount (maximum ₹100) on movie tickets, twice a month.
- 1 Complimentary Domestic Airport Lounge access per quarter on spending of ₹75000 in last quarter.
- Best for HPCL Fuel Station users.
7. HPCL Energie BOB Credit Card
Fees & Charges
- Joining Fee: ₹499 + taxes
- Annual/Renewal Fee: ₹499 + taxes, waived if you spend more than ₹50,000 in last year.
- Finance Charges: 3.6% per month
Key Features/Benefits
- Welcome benefits of 500 reward points on spend of ₹5000 or more within 60 days of card activation.
- 24 Reward points on every ₹150 spend on Fuel at HPCL Retail Outlets.
- Additional 1.5% cashback as HP points on fuel purchases through HP Pay App.
- 1% Fuel Surcharge Waiver on fuel spends maximum ₹100 per statement cycle (valid on transaction between ₹400 to ₹5000).
- 10 Reward points on every ₹150 spend on departmental stores and utility.
- 2 Reward points on every ₹150 spend on other categories.
- 1 Reward/Payback point = ₹0.25
- 1 Complimentary Domestic Airport Lounge access per quarter on spending ₹20,000 quarterly.
- 25% discount (maximum ₹100) on movie tickets, twice a month.
- Best for HPCL Fuel Stations users.
8. IndianOil Kotak Credit Card
Fees & Charges
- Joining Fee: ₹449 + taxes
- Annual/Renewal Fee: ₹449 + taxes, waived if you spend more than ₹50,000 in last year.
- Finance Charges: 3.75% per month
Key Features/Benefits
- Welcome benefit of 1000 reward points on spending ₹500 or more within 30 days of card activation.
- 24 Reward points (maximum 1200 reward points per statement cycle) on every ₹150 spends on IOCL Fuel Stations.
- 1% Fuel Surcharge Waiver on fuel spends maximum ₹100 per statement cycle (valid on transaction between ₹100 to ₹5000).
- 12 Reward points (maximum 800 reward points per statement cycle) on every ₹150 spends at grocery & dining.
- 3 Reward points on every ₹150 spends on other categories.
- 1 Reward point = ₹0.20
- Best for IOCL Fuel Stations users.