Best Fuel Credit Cards

11 cards in this category

Fuel credit cards waive the 1–2.5% surcharge charged on credit card transactions at fuel stations and offer additional reward points or cashback on fuel purchases. If you fill fuel regularly, the right card pays for itself quickly.

2026 Comparison Matrix

Top Ranked Best Fuel Credit Cards

Verified Bank MITC Terms

Side-by-side comparisonSwipe right for full table

Rank & Credit Card	CardCheck Score	Annual Fee	Top Category Perk	Quick Action
#1 IDFC FIRST Bank#1 Leader IDFC First Power	79/100 Very Good	₹499Waived @ ₹1,50,000/yr	Up to 6.5% rewards on top categories	Compare
#2 IDFC FIRST Bank IDFC First Power+	79/100 Very Good	₹499Waived @ ₹1,50,000/yr	Up to 6.5% rewards on top categories	Compare
#3 SBI Card BPCL SBI Card OCTANE	78/100 Very Good	₹1,499Waived @ ₹1,00,000/yr	Up to 7.25% rewards on top categories	Compare
#4 ICICI Bank ICICI Bank HPCL Super Saver	78/100 Very Good	₹500Waived @ ₹1,00,000/yr	Up to 4% rewards on top categories	Compare
#5 HDFC Bank HDFC Bank Bharat	74/100 Very Good	₹500Waived @ ₹50,000/yr	Up to 5% rewards on top categories	Compare

11 cards found

CardCheck Score

IndianOil RBL Bank XTRA Credit Card

IndianOil RBL Bank XTRA Credit Card

RBL Bank

Best for Fuel savings at IndianOil stations

Fuel WaiverHigh RewardsWelcome BonusShopping

15 Fuel Points per ₹100 spent at IndianOil fuel stations (max 2,000 points/month)
2 Fuel Points per ₹100 on other spends
3,000 welcome Fuel Points on spending ₹500 within 30 days

₹1,500

₹1,500

1–8.5%

47.88%

CardCheck Score

BPCL SBI Card OCTANE

BPCL SBI Card OCTANE

SBI Card

Best for BPCL power users — 25X fuel points (6.25%) + 1% surcharge waiver = 7.25% total

Fuel WaiverLounge AccessHigh RewardsShopping

25X SBI Reward Points on BPCL fuel purchases — 6.25% effective cashback
Complete 1% fuel surcharge waiver at BPCL — total 7.25% saving on fuel
10X SBI Reward Points on dining, grocery, and movies

₹1,499

₹1,499

0.25–7.25%

42%

CardCheck Score

IDFC First Power+ Credit Card

IDFC First Power+ Credit Card

IDFC FIRST Bank

Best for fuel savings on HPCL plus everyday rewards

Lounge AccessHigh RewardsShopping

up to 6.5% savings on HPCL fuel spends
5% rewards on groceries and utilities
3X rewards on UPI and retail spends

₹499

₹499

1.5–6.5%

8.5–46.2%

CardCheck Score

IndianOil HDFC Bank Credit Card

IndianOil HDFC Bank Credit Card

HDFC Bank

Best for IndianOil fuel buyers — maximum savings at IOCL pumps

Fuel WaiverHigh RewardsShopping

5% fuel points on IndianOil fuel purchases (up to 250 fuel points/month)
5% fuel points on grocery purchases
1% fuel points on all other eligible retail spends

₹500

₹500

1–5%

42%

CardCheck Score

SBI Card BPCL

SBI Card BPCL

SBI Card

Best for BPCL fuel buyers — 13X reward points on BPCL fuel (3.25% + 1% surcharge waiver)

Fuel WaiverHigh RewardsShopping

13X SBI Reward Points on BPCL fuel purchases (effective 3.25%)
Complete 1% fuel surcharge waiver at BPCL pumps — total 4.25% saving
5X SBI Reward Points on dining, grocery, and movie purchases

₹499

₹499

0.25–4.25%

42%

CardCheck Score

ICICI Bank HPCL Super Saver Credit Card

ICICI Bank HPCL Super Saver Credit Card

ICICI Bank

Best for HPCL fuel buyers — maximum savings on petrol pump spends

Fuel WaiverLounge AccessHigh RewardsShopping

4% cashback on HPCL fuel transactions (up to ₹200/month)
100% fuel surcharge waiver on HPCL petrol pump transactions
1% cashback on all other eligible retail spends

₹500

₹500

1–4%

42%

CardCheck Score

Indian Oil Axis Bank Credit Card

Indian Oil Axis Bank Credit Card

Axis Bank

Best for Fuel spending at Indian Oil petrol pumps

Fuel WaiverHigh Rewards

4% value back on Indian Oil fuel purchases (as EDGE Reward Points)
100% fuel surcharge waiver on IOCL transactions
1% rewards on all other retail spends

₹500

₹500

1–4%

52.86%

CardCheck Score

Indian Oil Axis Bank Premium Credit Card

Indian Oil Axis Bank Premium Credit Card

Axis Bank

Best for Heavy IOCL fuel users — premium rewards + lounge access

Fuel WaiverLounge AccessHigh Rewards

4% value back on Indian Oil fuel purchases
2% rewards on grocery spends
1% rewards on all other spends

₹1,000

₹1,000

1–4%

52.86%

CardCheck Score

HDFC Bank Bharat Credit Card

HDFC Bank Bharat Credit Card

HDFC Bank

Best for Rural and semi-urban users — 5% cashback on fuel, groceries, utilities

Fuel WaiverHigh Rewards

5% CashBack on fuel, groceries, bill payments, and government transactions
RuPay card with UPI payment capability
Annual fee waived on ₹50,000 annual spend

₹500

₹500

5%

42%

CardCheck Score

IDFC First Power Credit Card

IDFC First Power Credit Card

IDFC FIRST Bank

Best for fuel savings

Fuel WaiverLounge AccessHigh RewardsShopping

up to 6.5% fuel savings
5% rewards on grocery and utility spends
3X rewards on UPI and retail transactions

₹499

₹499

0.67–6.5%

8.5–46.2%

CardCheck Score

Standard Chartered Super Value Titanium Credit Card

Standard Chartered Super Value Titanium Credit Card

Standard Chartered Bank

Best for Fuel & utility bills — 5% cashback on fuel, phone, electricity (capped)

Fuel WaiverHigh Rewards

5% cashback on telecom bills, fuel, and utility bill payments (capped ₹200/month)
1% fuel surcharge waiver on fuel transactions
Annual fee waived on ₹1.5 lakh annual spend

₹750

₹750

0–5%

42%

Frequently asked questions

How does a fuel surcharge waiver work in India?: When you purchase fuel at a petrol pump, banks apply a surcharge of 1%. Fuel cards waive this surcharge, usually for transactions between ₹400 and ₹4,000, up to a monthly cap.
Which fuel card is best?: The BPCL SBI Card Octane and IndianOil HDFC Card are highly rated for high fuel point multipliers.
Can I get cashback on fuel with any card?: No. Standard cashback cards typically exclude fuel transactions from earning regular rewards or cashback. You need a dedicated co-branded fuel card.