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With petrol and diesel prices constantly fluctuating, using a fuel credit card can help you save money on every refill.
In 2025, most major banks in India offer cards that give 1–5% fuel cashback or surcharge waivers at petrol pumps like HPCL, IOCL, and BPCL.
Here’s a complete guide to the best fuel credit cards in India, their benefits, and how much you can actually save.
💳 Top Fuel Credit Cards in India (2025)
| Credit Card | Key Benefits | Ideal For | Annual Fee | Apply |
|---|---|---|---|---|
| IndianOil Axis Bank Credit Card | 4% value back on fuel spends, 1% surcharge waiver | Frequent drivers | ₹500 + GST | Apply Now |
| BPCL SBI Card Octane | 7.25% value back on BPCL fuel spends | High-volume users | ₹1,499 + GST | Apply Now |
| HPCL Bank of Baroda ENERGIE Card | 6.5% savings on HPCL fuel, 1% waiver | City commuters | ₹499 + GST | Apply Now |
| Standard Chartered Super Value Titanium | 5% cashback on fuel, telecom, utilities | All-rounder | ₹750 + GST | Apply Now |
| HDFC Bharat Cashback Credit Card | 5% cashback on fuel + daily expenses | Budget users | ₹500 + GST | Apply Now |
(Note: Card terms and offers change periodically — always verify the latest details on the bank’s official website before applying.)
🚗 1. IndianOil Axis Bank Credit Card
- Fee: ₹500 (waived on ₹50,000 annual spend)
- Benefits:
- 4% value back on fuel spends at IOCL pumps (via the “IOCL Pay” app).
- 1% fuel surcharge waiver (up to ₹10,000 spend/month).
- Why it’s great: Best overall fuel card for frequent drivers with easy reward redemption.
🛢️ 2. BPCL SBI Card Octane
- Fee: ₹1,499 + GST
- Benefits:
- 7.25% value back on BPCL fuel (on spends up to ₹10,000/month).
- 1% surcharge waiver and turbo points redeemable for fuel.
- Complimentary domestic lounge access.
- Why it’s great: Maximum fuel-linked rewards in India (2025).
⛽ 3. HPCL Bank of Baroda ENERGIE Credit Card
- Fee: ₹499 + GST
- Benefits:
- 6.5% savings on HPCL fuel (up to ₹5,000 monthly spend).
- 1% surcharge waiver.
- Accelerated rewards on groceries & utilities.
- Why it’s great: A strong option for urban commuters using HPCL stations.
🔋 4. Standard Chartered Super Value Titanium
- Fee: ₹750 + GST
- Benefits:
- 5% cashback on fuel, telecom, and utility bill payments.
- 1% surcharge waiver on fuel spends.
- Cashback auto-credited to the statement — no redemption hassle.
- Why it’s great: Covers fuel plus everyday expenses, not just petrol.
🏠 5. HDFC Bharat Cashback Credit Card
- Fee: ₹500 + GST (waived on ₹50,000 annual spend)
- Benefits:
- 5% cashback on fuel, groceries, and bill payments.
- 1% fuel surcharge waiver.
- Works on Bharat QR, PayZapp, SmartBuy.
- Why it’s great: Easy approval and simple flat-rate cashback.
💡 Who Should Get a Fuel Credit Card
Choose a fuel credit card if you:
- Spend ₹5,000–₹15,000/month on petrol or diesel.
- Frequently travel by car or bike.
- Want automatic cashback or waiver on each refill.
For casual users (under ₹3,000/month fuel spend), a general cashback card like SBI Cashback or IDFC FIRST may be more beneficial.
🧠 Pro Tip
Always fill fuel at the same network (HPCL/IOCL/BPCL) linked to your card — cross-brand transactions won’t earn the higher rewards.