Best Fuel Credit Cards in 2025

Fuel credit cards are specifically designed to help you save money on fuel purchases. These cards offer benefits like fuel surcharge waivers, cashback, reward points, and discounts at partnered fuel stations. They are ideal for individuals who frequently drive or have significant fuel expenses, providing a convenient way to earn rewards while reducing overall fuel costs.

Here is a list of key highlights of the above-mentioned leading fuel credit cards:

ICICI Bank Platinum Chip Credit Card

• 1% fuel surcharge on fuel bills at HPCL pumps waived off
  

• No need to pay additional surcharge on fuel bills at HPCL pumps on spends of up to ₹4,000

BPCL SBI Card

• 2,000 reward points on payment of joining fees
  

• 13X reward points for every ₹100 spent on fuel at BPCL outlets
  

• 4.25% value back on BPCL fuel refills (13X rewards + surcharge waiver) on all BPCL transactions up to ₹10,000

ICICI Bank HPCL Super Saver Credit Card

• ₹100 cashback on using the HP Pay application to make payments
  

• 2,000 reward points on card activation
  

• 5% cashback on fuel transactions made at HPCL outlets
  

• 1.5% additional cashback on fuel transactions paid through the HP Pay app

BPCL SBI Card OCTANE

• 7.25% value back on fuel refills at BPCL pumps
  

• 6,000 reward points worth ₹1,500 on paying the joining fee
  

• 1% fuel surcharge waiver at BPCL pumps (up to ₹1,200/year, ₹4,000 cap per transaction)
  

• Earn 10 points for every ₹100 spent on groceries, dining, shopping, and movies, up to 7,500 points per month

SimplySAVE SBI Card

• Earn 2,000 bonus reward points by spending ₹2,000 or more within the first 60 days of card activation
  

• Enjoy a 1% waiver on fuel surcharge at all petrol pumps across India for transactions between ₹500 and ₹3,000

Kotak Indian Oil Credit Card

• Save 5% on fuel purchases made at Indian Oil fuel stations across the country
  

• Earn 2% value back as reward points on grocery and dining expenses
  

• Receive 1,000 bonus reward points as a welcome benefit by spending ₹500 within 30 days of receiving the card

IDFC FIRST Bank Classic Credit Card

• Avail welcome benefits worth ₹1,500 on joining
  

• Enjoy lifetime-free membership with no annual fee
  

• Earn reward points that never expire, ensuring lasting value for your spending

IDFC FIRST Bank Power Credit Card

• Earn rewards on everyday UPI transactions made through the card
  

• Get 2X reward points on regular retail and UPI-based purchases
  

• Unlock welcome benefits worth ₹2,250 upon activation

Let’s take a look at the key benefits and features that some of the best fuel credit cards typically offer. 

Accelerated Rewards

Fuel cards often provide accelerated rewards and cash back whenever you use them to pay for transactions made at partner OMC’s fuel outlets. For instance, the IndianOil Axis Bank Credit Card offers 20X reward points for every ₹100 spent at IndianOil outlets. So, if you frequently visit IndianOil outlets, using an IndianOil co-branded fuel card to pay for your transactions can help you accumulate rewards faster.

Discounts on Fuel Transactions

In addition to reward points, you may get discounts in the form of value backs or cash backs on fuel transactions. However, the amount of value back or cash back is dependent on the type of fuel card you own.

Surcharge Waivers

When you pay for fuel using a credit card, a charge known as the fuel surcharge is levied. It usually ranges from 1% to 3% of the total transaction value. Most fuel cards offer a fuel surcharge waiver of about 1%.

Applying for a fuel credit card is very simple. You can follow the below step-by-step guide to apply for a fuel credit card on Bajaj Markets:

1. Compare various fuel credit cards based on benefits like fuel surcharge waiver, cashback, reward points, and annual fees 
   

2. Fill out and submit the online credit card application form
   

3. Attach all the necessary documentation before submitting the application
   

4. The bank will check your eligibility and approve your application if satisfied
   

5. You will receive an intimation from the bank via an SMS or an e-mail
   

6. Within a few days, you will receive the card at your registered address as mentioned in the credit card application

To apply for a fuel card, you need to first satisfy certain eligibility criteria. These criteria vary from one card issuer to another. 

Here are some common eligibility criteria to apply for a fuel credit card:

• You must be a resident Indian
  

• You must have a regular source of income
  

• You must be above 18 years of age
  

• You must possess a credit score of at least 700 or above

Note: Some card issuers may have strict minimum income requirements that you might need to meet to apply for fuel cards. Therefore, make sure to check the eligibility criteria first before proceeding to apply for the best credit card for fuel. 

Here’s a quick overview of some of the basic documentation that you might need to submit:

• A copy of your PAN card
  

• A copy of your identity proof - Voter’s ID, Aadhaar, Driving Licence or Passport
  

• A copy of your address proof - Aadhaar, Voter’s ID, Passport or Driving Licence
  

• A copy of your income proof - latest bank statements, form 16, latest salary slips or latest Income Tax Returns

Note: Apart from the list mentioned above, the card issuing bank may require you to submit additional documentation.

There are a few factors that you need to consider if you wish to get a good fuel credit card in India. 

Let’s take a quick look at some of the key factors:

Usage

Your usage is a major factor that you need to consider when choosing a fuel credit card. For instance, if most of your fuel purchases are from BPCL outlets, a BPCL co-branded fuel card may be the best option for you.

Nature of Benefits

Some fuel cards offer cash back, while others offer reward points. Therefore, it is important to choose a fuel card that offers just the kind of benefits that you wish to enjoy.

Accelerated Rewards

Most of the fuel credit cards in the country offer accelerated rewards when you purchase fuel from partner OMCs. The higher the rewards are, the more you get to save. So, make sure to choose a card that offers the largest rewards.

Fuel Surcharge Waiver

Many fuel credit cards offer fuel surcharge waivers of about 1% of the total transaction value. However, there are a few cards that don’t offer such waivers. Therefore, when choosing a fuel card, ensure that it comes with a fuel surcharge waiver.

Limits on Rewards

Card issuers generally impose an upper limit on the total amount of cash back or points that you can accumulate during a billing cycle. If you purchase fuel frequently, you might want to consider getting a fuel card with higher upper limits. This will allow you to maximise the benefits offered by the card.

Here are some key reasons why choosing a fuel credit card can be beneficial:

• Fuel surcharge waiver

Save up to 1% on every fuel transaction at partnered petrol pumps

• Reward points on fuel spends

Earn reward points or cashback every time you refuel

• Special discounts

Enjoy additional savings through exclusive offers and tie-ups with fuel stations

• Convenient payment option

Use a single card for fuel and other daily expenses, reducing the need for cash

• Expense tracking

Easily monitor your fuel expenditure through monthly credit card statements

• Additional benefits

Many cards also offer rewards on groceries, dining, travel, and utility payments