Best Credit Cards for Fuel Expenses in India 2025

General
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As someone who commutes regularly, fuel costs are a big part of my monthly budget. That’s why I did some deep research and found the best credit cards for fuel payments in India (2025). These cards can help you save up to 7.5% on petrol or diesel, depending on where you fuel up IndianOil, BPCL, or HPCL.
Here’s a quick overview of the top credit cards that give cashback, reward points, or surcharge waivers on fuel purchases.

  1. IndianOil RBL Bank XTRA Credit Card
    · Annual Fee: ₹1500 (waived at ₹2.75L spend/year)
    · Fuel Savings: Up to 7.5% at IndianOil
    · Rewards: 15 points/₹100 + bonuses
    · Best for: IndianOil users with high fuel expenses
    · Monthly Cap: 2,000 points
    · Tip: Points redeemable only at IndianOil outlets

  2. BPCL SBI Octane Credit Card
    · Fee: ₹1499
    · Fuel Benefits: 6.25% return on BPCL fuel
    · Rewards: 25 points/₹100
    · Cap: 2,500 points/month
    · Best for: BPCL loyalists with ₹10,000+ monthly fuel spend

  3. HPCL Power Plus IDFC First Credit Card
    · Fee: ₹499
    · Fuel Savings: 5% effective return at HPCL
    · Rewards: 30 points/₹150
    · Cap: 2,400 points/month
    · Best for: HPCL users looking for a budget card

  4. IndianOil Axis Bank Premium Card
    · Fee: ₹1000 (waived at ₹30K spend)
    · Rewards: 6 EDGE Miles/₹150 at IndianOil
    · Fuel Return: Up to 6%
    · Cap: 600 EDGE Miles/month
    · Best for: Moderate IndianOil spenders

  5. HPCL Super Saver ICICI Credit Card
    · Fee: ₹500
    · Fuel Cashback: 5% savings
    · Rewards: 20 points/₹100
    · Note: Cashback via HP Pay app
    · Great for: Regular HPCL users

  6. IndianOil Axis Bank RuPay Credit Card
    · Fee: ₹500
    · Fuel Return: 4–6% at IndianOil
    · Rewards: 20 points/₹100
    · Max Benefit: ₹500–₹600/month
    · Best for: IndianOil users using RuPay

  7. HPCL Energie Credit Card (Bank of Baroda)
    · Fee: ₹499
    · Rewards: 24 points/₹150
    · Fuel Savings: Around 5%
    · Cap: 1,000 points/month
    · Best for: HPCL loyalty cardholders

  8. BPCL SBI Credit Card (Standard Version)
    · Fee: ₹499
    · Fuel Return: Approx. 3.25%
    · Rewards: 13 points/₹150 at BPCL
    · Cap: 1,300 points/month
    · Ideal for: Light-to-medium BPCL users

  9. Standard Chartered Super Value Titanium Card
    · Fee: ₹750
    · Fuel Cashback: Flat 5% on any petrol pump (up to ₹2K txn)
    · Cap: ₹200/month
    · Perfect for: Users who fuel at multiple brands