Best Fuel Credit Cards in India for 2026

Fuel credit cards are specially designed to help you save money on fuel purchases. These cards are often launched in partnership with major fuel companies like Indian Oil, BPCL, and HPCL. They offer value-back through cashback or extra reward points on fuel spending. Some cards also give you more rewards on other spends like groceries, utility bills, and shopping at departmental stores, helping you save even more. Here, we’ve listed the best fuel credit cards in India from top banks like SBI Card, Axis Bank, HDFC Bank, ICICI Bank, and RBL Bank. Read on to explore their features and pick the one that suits you best.

IndianOil RBL Bank XTRA Credit Card
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IndianOil RBL Bank XTRA Credit Card

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Joining Fee Joining Fee
₹1500 + GST
Annual Fee Annual Fee
₹1500 + GST
Rewards Type Rewards Type
Reward Points
card category Best For
Fuel | Reward

Reward Key Benefits

  • Earn 15 Fuel Points per ₹100 on IndianOil fuel spends (up to 2,000 points/month)
  • Get 1% fuel surcharge waiver up to ₹200 per month
  • Earn 2 Fuel Points per ₹100 on other spends

  • Welcome Benefit: 3,000 Fuel Points on first transaction of Rs. 500 or more within 30 days of issuance.
  • Reward Program: Earn 15 Fuel Points per Rs. 100 spent at IndianOil outlets, 2 Fuel Points on all other spends.
  • Fuel Savings: Save up to 8.5% on IOCL fuel spends (up to 250 litres free fuel annually).
  • Milestone Benefit: 1,000 Fuel Points on quarterly spends of Rs. 75,000.
  • Redemption Value: 1 Fuel Point = Rs. 0.50 at IOCL pumps / petrol vouchers.
  • Fuel Surcharge Waiver: 1% waiver (up to Rs. 200 per month) on transactions of Rs. 500–4,000.
  • Annual Fee Waiver: Spend Rs. 2.75 lakh in a year to get the fee waived.
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Indian Oil Axis Bank Credit Card
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Indian Oil Axis Bank Credit Card

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Joining Fee Joining Fee
₹500 + GST
Annual Fee Annual Fee
₹500 + GST
Rewards Type Rewards Type
Reward Points
card category Best For
Fuel | Entry-Level

Reward Key Benefits

  • Get welcome benefit as EDGE reward points equal to your first fuel spend (up to ₹250) within 30 days
  • Earn 4% value-back on IOCL fuel spends (up to 1,000 points/month)
  • Get 1% value-back on online shopping (up to 250 points/month)

IndianOil Kotak Bank Credit Card
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IndianOil Kotak Bank Credit Card

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Joining Fee Joining Fee
₹499 + GST
Annual Fee Annual Fee
₹499 + GST
Rewards Type Rewards Type
Reward Points
card category Best For
Fuel

Reward Key Benefits

  • Get 4% value-back on IndianOil fuel spends (up to 1,200 points/month)
  • Save with 1% fuel surcharge waiver up to ₹100 per month
  • Earn 2% value-back on grocery and dining spends

  • India’s No. 1 fuel credit card with maximum savings on IndianOil fuel
  • Get up to 5% value back on fuel spends at IndianOil outlets
  • Earn 2% value back on grocery and dining transactions
  • Rewards available on UPI transactions with RuPay variant
  • Annual fee waived on yearly spends of ₹50,000
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BPCL SBI Card Octane
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BPCL SBI Card Octane

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Joining Fee Joining Fee
₹1499 + GST
Annual Fee Annual Fee
₹1499 + GST
Rewards Type Rewards Type
Reward Points
card category Best For
Fuel

Reward Key Benefits

  • Earn 25 reward points per ₹100 on BPCL fuel and Bharat Gas spends
  • Earn 10 reward points per ₹100 on dining, groceries, movies and departmental spends
  • Earn 1 reward point per ₹100 on other spends (1 RP = ₹0.25)

  • Get 6,000 reward points as a welcome gift.
  • Earn up to 7.25% value back on fuel spends at BPCL petrol pumps.
  • Earn 25X reward points on BPCL fuel purchases (up to 2,500 points per month).
  • Enjoy 4 free visits to domestic airport lounges every year.
  • Get fraud protection cover up to ₹1 lakh.
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IndianOil HDFC Credit Card
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IndianOil HDFC Credit Card

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Joining Fee Joining Fee
₹500 + GST
Annual Fee Annual Fee
₹500 + GST
Rewards Type Rewards Type
Reward Points
card category Best For
Fuel

Reward Key Benefits

  • Get complimentary IndianOil XTRAREWARDS membership
  • Earn 5% value-back as fuel points on IndianOil, groceries and bill payments
  • Earn 1 fuel point per ₹150 on other spends, including UPI

  • Earn up to 5% fuel points on IndianOil transactions
  • Additional fuel points on groceries and bill payments
  • 1% fuel surcharge waiver on IndianOil outlets
  • Easy EMI options and cashback redemption
  • Renewal fee waived on annual spends of ₹50,000
  • Accepted at over 50,000 IndianOil fuel stations
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HPCL IDFC FIRST Power Credit Card
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HPCL IDFC FIRST Power Credit Card

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Joining Fee Joining Fee
₹199 + GST
Annual Fee Annual Fee
₹0 + GST
Rewards Type Rewards Type
Reward Points
card category Best For
Fuel | Reward

Reward Key Benefits

  • Get up to 3.5% savings on HPCL fuel and 1.5% back via HP Pay
  • Earn up to 2.5% savings on groceries, utilities and FASTag recharges
  • Enjoy up to 8.67% savings on travel bookings via the app

  • Get up to 3.5% savings on fuel and 1.5% back via HP Pay
  • Earn up to 2.5% savings on groceries, utilities and FASTag recharges
  • Enjoy up to 8.67% savings on travel bookings via the app
  • Earn reward points on all spends with uncapped earnings on regular transactions
  • Redeem reward points at ₹0.25 per point
  • Get ₹250 fuel voucher and 5% cashback (up to ₹1,000) on first EMI transaction
  • Enjoy annual fee waiver on spending ₹50,000
  • Get roadside assistance worth ₹1,399 up to 4 times a year
  • Get personal accident cover of ₹2 lakh and lost card liability cover of ₹25,000
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ICICI HPCL Super Saver Credit Card
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ICICI HPCL Super Saver Credit Card

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Joining Fee Joining Fee
₹500 + GST
Annual Fee Annual Fee
₹500 + GST
Rewards Type Rewards Type
Reward Points
card category Best For
Fuel

Reward Key Benefits

  • Get 4% cashback (up to ₹200 per month) on fuel spends at HPCL pumps
  • Enjoy an additional 1.5% savings with 6 reward points per ₹100 spent via HP Pay app
  • Earn 5% back as reward points (up to 400 points per month) on grocery, departmental store, and utility bill payments

  • Welcome benefit: 2,000 reward points on paying joining fee and spending Rs. 5,000 in first 45 days.
  • Rs. 100 cashback on first purchase via HPPay wallet.
  • 5% savings on fuel at HPCL (4% cashback + 1% fuel surcharge waiver; cashback capped at Rs. 200/month).
  • Extra 1.5% cashback on HPCL fuel when using HP Pay app.
  • 5% cashback (as reward points) on utilities, groceries, and departmental store purchases.
  • 2 reward points per Rs. 100 on all other spends.
  • Complimentary 24×7 Roadside Assistance Service (RAS).
  • Complimentary domestic airport lounge access.
  • 25% off on movie tickets on BookMyShow and INOX (max Rs. 100 per transaction).
  • Discounts at partner restaurants through ICICI Bank Culinary Treats Program.
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IndusInd Bank Jio-bp Mobility+ Credit Card
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IndusInd Bank Jio-bp Mobility+ Credit Card

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Joining Fee Joining Fee
₹0 + GST
Annual Fee Annual Fee
₹0 + GST
Rewards Type Rewards Type
Reward Points
card category Best For
Fuel

Reward Key Benefits

  • Get 3% value-back as Smiles on Jio-bp fuel spends
  • Enjoy 1% fuel surcharge waiver on fuel transactions
  • Earn 5 Smiles per ₹100 on grocery, supermarket and dining spends

Best Fuel Credit Cards in India for 2026

Here is list of top Fuel credit cards along with detailed benefits and fees & charges.

1. IndianOil RBL Bank XTRA Credit Card

IndianOil RBL Bank XTRA Credit Card

Joining Fee: Rs. 1500 + GST

Annual Fee: Rs. 1500 + GST

Key Features and Benefits:

  • Earn 15 Fuel Points per ₹100 on IndianOil fuel spends (up to 2,000 points/month)
  • Get 1% fuel surcharge waiver up to ₹200 per month
  • Earn 2 Fuel Points per ₹100 on other spends
  • Redeem Fuel Points at ₹0.50 per point
  • Get 3,000 Fuel Points as welcome bonus on first transaction
  • Earn 1,000 Fuel Points on ₹75,000 quarterly spends

Offering an impressive 8.5% value-back, the IndianOil RBL Bank XTRA Credit Card stands out as one of India’s best fuel credit cards, especially for those loyal to Indian Oil Corporation Limited. By spending around ₹45,000 per month, cardholders can earn rewards equivalent to up to 250 litres of fuel annually—outperforming the BPCL SBI Card Octane by 1.25%. It is important to note that this card is specifically designed for fuel expenses. Unlike other fuel cards such as the BPCL SBI Octane or IDFC FIRST Power Plus Credit Card, which also offer benefits on everyday categories, this card focuses entirely on maximizing fuel savings.

For daily commuters and heavy fuel users, this card is an excellent choice to get the maximum value from fuel spends.

2. Indian Oil Axis Bank Credit Card

Indian Oil Axis Bank Credit Card

Joining Fee: Rs. 500 + GST

Annual Fee: Rs. 500 + GST

Key Features and Benefits:

  • Get welcome benefit as EDGE reward points equal to your first fuel spend (up to ₹250) within 30 days
  • Earn 4% value-back on IOCL fuel spends (up to 1,000 points/month)
  • Get 1% value-back on online shopping (up to 250 points/month)
  • Earn 1 EDGE reward point per ₹100 on other spends (1 point = ₹0.20)
  • Save with 1% fuel surcharge waiver up to ₹50 per month
  • Annual fee waived on ₹3.5 lakh yearly spends
  • Enjoy 15% off on dining via EazyDiner (up to ₹500/month)

3. IndianOil Kotak Bank Credit Card

IndianOil Kotak Bank Credit Card

Joining Fee: Rs. 499 + GST

Annual Fee: Rs. 499 + GST

Key Features and Benefits:

  • Get 4% value-back on IndianOil fuel spends (up to 1,200 points/month)
  • Save with 1% fuel surcharge waiver up to ₹100 per month
  • Earn 2% value-back on grocery and dining spends
  • Get 0.5% value-back on other spends, including UPI
  • Earn 1,000 reward points as welcome benefit on first transaction
  • Redeem points at ₹0.25 per point and convert to IndianOil XTRAREWARDS
  • Annual fee waived on ₹50,000 yearly spends

4. BPCL SBI Card Octane

BPCL SBI Card Octane

Joining Fee: Rs. 1499 + GST

Annual Fee: Rs. 1499 + GST

Key Features and Benefits:

  • Earn 25 reward points per ₹100 on BPCL fuel and Bharat Gas spends
  • Earn 10 reward points per ₹100 on dining, groceries, movies and departmental spends
  • Earn 1 reward point per ₹100 on other spends (1 RP = ₹0.25)
  • Get 6,000 reward points worth ₹1,500 on annual fee payment
  • Enjoy 1% fuel surcharge waiver up to ₹100 per month
  • Get 4 complimentary domestic lounge visits per year
  • Earn ₹2,000 e-gift vouchers on ₹3 lakh annual spends
  • Annual fee waived on ₹2 lakh yearly spends

Co-branded with Bharat Petroleum Corporation Limited, the BPCL SBI Card Octane has long been a top contender among fuel credit cards in India, offering an impressive reward rate of 6.25% on BPCL fuel spends. While it comes with one of the highest annual fees in its category, the overall value-back justifies the cost. This is mainly due to accelerated rewards on categories like movies, groceries, dining, and departmental store purchases. In addition, the card also stands out for its complimentary lounge access feature, offering up to 4 lounge visits without any spend-based conditions—making it one of the most rewarding co-branded fuel credit cards available.

5. IndianOil HDFC Credit Card

IndianOil HDFC Credit Card

Joining Fee: Rs. 500 + GST

Annual Fee: Rs. 500 + GST

Key Features and Benefits:

  • Get complimentary IndianOil XTRAREWARDS membership
  • Earn 5% value-back as fuel points on IndianOil, groceries and bill payments
  • Earn 1 fuel point per ₹150 on other spends, including UPI
  • Redeem fuel points at up to ₹0.20 per point (higher value on XRP conversion)
  • Save with 1% fuel surcharge waiver up to ₹250 per month
  • Annual fee waived on ₹50,000 yearly spends

Additionally, here is the base reward rate on non-accelerated categories on the Indian Oil cards:

Indian Oil HDFC: 1 fuel point for every Rs. 150, reward rate of 0.64%
Indian Oil Kotak: 3 reward points on every Rs. 150, reward rate of 0.5%
Indian Oil Axis: 1 reward point on every Rs. 100, reward rate of 0.2%
Indian Oil RBL: 1 fuel point on every Rs. 100, reward rate of 0.5%

6. HPCL IDFC FIRST Power Credit Card

HPCL IDFC FIRST Power Credit Card

Joining Fee: Rs. 199 + GST

Annual Fee: Rs. 0 + GST

Key Features and Benefits:

  • Get up to 3.5% savings on HPCL fuel and 1.5% back via HP Pay
  • Earn up to 2.5% savings on groceries, utilities and FASTag recharges
  • Enjoy up to 8.67% savings on travel bookings via the app
  • Get a ₹250 voucher on your first HPCL fuel transaction
  • Enjoy 5% cashback (up to ₹1,000) on your first EMI conversion

7. ICICI HPCL Super Saver Credit Card

ICICI HPCL Super Saver Credit Card

Joining Fee: Rs. 500 + GST

Annual Fee: Rs. 500 + GST

Key Features and Benefits:

  • Get 4% cashback (up to ₹200 per month) on fuel spends at HPCL pumps
  • Enjoy an additional 1.5% savings with 6 reward points per ₹100 spent via HP Pay app
  • Earn 5% back as reward points (up to 400 points per month) on grocery, departmental store, and utility bill payments
  • Earn 2 reward points for every ₹100 spent on other retail purchases
  • Get 2,000 bonus reward points on spending ₹5,000 within 45 days and paying the joining fee
  • Reward value: 1 reward point = ₹0.25
  • Get 1% fuel surcharge waiver on fuel spends up to ₹4,000
  • Enjoy ₹100 cashback on recharge via HP Pay app
  • Get 1 complimentary domestic airport lounge visit per quarter (on ₹35,000 spend in previous quarter)
  • Enjoy 25% off (up to ₹100 per transaction, twice a month) on booking minimum 2 movie tickets via BookMyShow and INOX
  • Annual fee waived on spending ₹1.5 lakh in a year

8. IndusInd Bank Jio-bp Mobility+ Credit Card

IndusInd Bank Jio-bp Mobility+ Credit Card

Joining Fee: Rs. 0 + GST

Annual Fee: Rs. 0 + GST

Key Features and Benefits:

  • Get 3% value-back as Smiles on Jio-bp fuel spends
  • Enjoy 1% fuel surcharge waiver on fuel transactions
  • Earn 5 Smiles per ₹100 on grocery, supermarket and dining spends
  • Earn 2 Smiles per ₹100 on other spends (1 Smile = ₹0.25)
  • Get 200 bonus Smiles on ₹4,000 monthly spends on Jio-bp ecosystem
  • Earn up to 4,000 bonus Smiles annually

Explore Other Fuel Credit Cards

IDFC FIRST Power+ Credit Card

IDFC FIRST Power+ Credit Card

Joining Fee: ₹499
⛽ Fuel 🏆 Reward 
  • Get ₹500 cashback on your first HPCL spend of ₹500 or more within 30 days
  • Enjoy 5% cashback (up to ₹1,000) on your first EMI conversion within 30 days
Read More Check Eligibility
BPCL SBI Card

BPCL SBI Card

Joining Fee: ₹499
⛽ Fuel 
  • Earn 13X rewards (13 reward points per ₹100) on fuel spends at BPCL petrol pumps
  • Enjoy total savings of up to 4.25% on BPCL fuel spends
Read More Check Eligibility