Fuel Credit Cards – Drive More, Spend Less!
Save Every Time You Refuel
Tired of rising fuel prices? With the right card, you can earn rewards, get fuel surcharge waivers, and cut down your monthly petrol or diesel expenses.
At CardMela.com, we bring you a curated list of the most value-packed fuel credit cards that help you save every time you visit the pump — whether you drive daily, ride long distances, or manage a business fleet.
Why Choose a Fuel Credit Card?
These cards are specifically designed to reduce your fuel spending and offer additional perks. You can avoid the standard 1% surcharge at most fuel stations across India. Every refuel earns you cashback or points that can be redeemed later. Some cards are co-branded with specific petrol pump networks like HPCL, Indian Oil, or BPCL, offering additional loyalty rewards and discounts.
If you are someone who commutes daily by car or bike, or your monthly fuel expense is significant, these cards are for you. They’re also great for professionals like delivery agents, sales reps, and business owners who manage fleets or travel frequently by road. Even people living in Tier-2 or Tier-3 cities who often drive long distances will benefit hugely from these.
Compare and Apply with Ease
Once you’ve found the right one, apply directly through our platform with just a few clicks.
AU Bank Altura Credit Card
★★★★☆ (4/5)
Best for cashback seekers and occasional travelers
Benefits:
5% Cashback on all spends (up to ₹3,000 per month)
₹1,000 Welcome Cashback on first transaction
Fuel Surcharge Waiver up to ₹500 per month
Complimentary Airport Lounge Access (2 visits per year)
Dining & Entertainment Discounts
No Joining Fee & No Annual Fee
Eligibility:
Minimum ₹20,000/month income
Recommended Credit Score 700+
Fees:
No Joining Fee, No Annual Fee
Late Payment Fee approx ₹500
AU Bank Altura + Credit Card
★★★★☆ (4.5/5)
Ideal for frequent travelers and premium lifestyle users
Benefits:
2% Cashback on all spends (up to ₹5,000/month)
₹2,000 Welcome Cashback on first transaction
Fuel Surcharge Waiver up to ₹500/month
Complimentary Airport Lounge Access (4 per year)
Dining & Entertainment Discounts
No Joining Fee & No Annual Fee
Eligibility:
Minimum ₹30,000/month income
Recommended Credit Score 750+
Fees:
No Joining Fee, No Annual Fee
Late Payment Fee ₹500 approx
AU Bank Xcite Ace Credit Card
★★★★☆ (4/5)
Ideal for moderate spenders seeking cashback and lifestyle perks
Benefits:
3% Cashback above ₹20,000 spends/month (max ₹750)
4 complimentary lounge visits (domestic airports & railways) quarterly
Fuel surcharge waiver ₹400–₹5,000 (max ₹200/month)
1-year device protection and up to 30% dining discount
Eligibility:
₹25,000/month income, Credit Score 750+, Existing AU Bank customers
Fees:
Lifetime Free (No Joining or Annual Fee), Late Fee ₹150–₹1,000
AU Bank Xcite Ultra Credit Card
★★★★☆ (4.5/5)
Ideal for high spenders seeking maximum rewards and travel benefits
Benefits:
Up to 3% rewards on international spends (12 RP/₹100)
2 complimentary domestic airport lounge visits per quarter
2 complimentary railway lounge visits per quarter
1% fuel surcharge waiver on transactions ₹400–₹5,000 (max ₹200/month)
500 bonus RP on ₹5,000+ retail spends between 1st–5th of month
5,000 bonus RP on ₹2.5L annual retail spend
Eligibility:
Minimum ₹25,000/month income, Credit Score 750+, Existing AU Bank customers
Fees:
Lifetime Free (No Joining or Annual Fee), Late Fee ₹150–₹1,300 based on outstanding balance
ICICI Bank HPCL Credit Card
★★★★☆ (4.4/5)
Best for regular fuel and utility bill payments
Benefits:
5% cashback on HPCL fuel via ICICI POS or HP Pay
5% rewards on utilities and departmental stores
2 reward points per ₹100 on other spends
Movie discount ₹100 twice a month
1 lounge access/quarter on ₹75K spend
₹2L accident cover (RuPay only)
Eligibility:
Age 21–65 years
Salaried or self-employed with good credit score
Fees:
Joining fee ₹500 + GST
Annual fee ₹500 + GST (waived on ₹1.5L spend)
IDFC First Bank HPCL Credit Card
★★★★☆ (4.5/5)
Best for fuel & utility savings
Benefits:
₹250 cashback on 1st HPCL fuel spend
5% cashback on 1st EMI
Up to 5% rewards on grocery & utilities
5% rewards on FASTag recharge
3X rewards on UPI & retail spends
₹2L accident cover
1 free lounge visit per quarter
25% off on movies
Eligibility:
₹3L+ annual income
Indian resident, good credit score
Fees:
Joining ₹199 + GST
Annual ₹199 + GST (waived on ₹50K+ spend)
SBI BPCL Credit Card
★★★★☆ (4.2/5)
Ideal for regular commuters seeking fuel savings at BPCL outlets
Benefits:
4.25% value back on fuel purchases at BPCL petrol pumps (13X Reward Points: 3.25% + 1% fuel surcharge waiver)
Maximum 1,300 Reward Points per billing cycle on BPCL fuel spends
1% fuel surcharge waiver on transactions up to ₹4,000 (max ₹100/month)
Welcome gift of 2,000 Reward Points on payment of joining fee
Reward Points redeemable for fuel purchases at BPCL outlets
Annual savings equivalent to 70 liters of fuel
Eligibility
Minimum ₹20,000/month income, Credit Score 700+
Fees
₹499 Joining & Annual Fee (waived on ₹50,000 spend/year), Late Fee ₹100–₹1,300
SBI BPCL Octane Credit Card
★★★★☆ (4.5/5)
Best suited for high fuel spenders seeking premium rewards and benefits
Benefits:
6.25% value back on fuel purchases at BPCL petrol pumps (25X Reward Points: 5.25% + 1% fuel surcharge waiver)
Instant redemption of Reward Points at select BPCL petrol pumps
1% fuel surcharge waiver on transactions up to ₹4,000 (max ₹100/month)
Welcome gift of 6,000 Reward Points on payment of joining fee
Complimentary Fraud Liability Cover of ₹1 lakh
Reward Points redeemable for fuel or merchandise from the Shop & Smile Rewards Catalogue
Eligibility
Minimum ₹25,000/month income, Credit Score 750+
Fees
₹1,499 Joining & Annual Fee (waived on ₹2L spend/year), Late Fee ₹100–₹1,300
HDFC Bank Indian Oil Credit Card
★★★★☆ (4.2/5)
Best for frequent flyers and premium lifestyle users
Benefits:
4 Reward Points per ₹150 spent
Free access to domestic & international lounges
Milestone rewards up to 15,000 points/year
Low 2% forex markup
Travel insurance & lifestyle privileges
Eligibility:
Salaried: ₹1.5L/month; Self-employed: ITR > ₹18L/year
Fees:
₹2,500 Annual Fee (waived on ₹3L spend), Late Fee ₹100–₹1,300
Benefits:
6 EDGE Miles per ₹150 spent at IOCL fuel outlets (up to ₹15,000/month)
2 EDGE Miles per ₹150 on grocery/supermarket spends (up to ₹5,000/month)
1 EDGE Mile per ₹150 on other spends
1% unlimited fuel surcharge waiver
8 complimentary domestic lounge visits/year (2 per quarter)
30% off on Zomato orders (max ₹150/order, twice/month)
500 EDGE Miles as welcome benefit on first transaction within 30 days
EDGE Miles redeemable for fuel or transfer to 15+ airline/hotel partners
Eligibility:
₹25,000/month income, Credit Score 750+
Fees:
₹1,000 Joining & Annual Fee (waived on ₹1L spend/year), Late Fee ₹100–₹1,300
Axis Bank Indian Oil Credit Card
★★★★☆ (4.0/5)
Ideal for moderate fuel spenders and online shoppers
Benefits:
20 EDGE Reward Points per ₹100 spent at IOCL fuel outlets (₹100–₹5,000/month)
5 EDGE Reward Points per ₹100 on online shopping (₹100–₹5,000/month)
1 EDGE Reward Point per ₹100 on other spends
1% fuel surcharge waiver (₹400–₹4,000 transactions, max ₹50/month)
100% cashback up to ₹250 on first fuel transaction within 30 days
10% off on BookMyShow tickets, 15% off on dining via EazyDiner
Eligibility:
₹25,000/month income, Credit Score 750+
Fees:
₹500 Joining & Annual Fee (waived on ₹3.5L spend/year), Late Fee ₹100–₹1,300
HSBC Bank Visa Platinum Credit Card
★★★★☆ (4.1/5)
Best for no-fee rewards & salaried pros
Benefits:
No joining/annual fee
2 points per ₹150 spent
5X points on spends > ₹4L/year (max 15,000 bonus)
Points transferable to air miles/hotel points
₹500 Amazon voucher on ₹5,000 spend
Fuel surcharge waiver ₹3,000/year
Up to 3.5% forex cashback (limited time)
Eligibility:
Age 18–65
Salaried with ₹4L+ annual income
Residents of major metros only
Fees:
No joining/annual fee
3.49% monthly interest
₹100–₹1,300 late fee
Fuel Credit Cards – Save More Every Time You Refuel
Planning your next road trip or just want to cut down on your monthly fuel expenses? Whether it’s your daily commute or frequent long drives, the right fuel credit card can make every litre more rewarding. At CardMela.com, we help you explore, compare, and choose from the best fuel credit cards in India based on your driving habits, fuel spend, and savings goals.
Instead of checking multiple bank websites, use our platform to discover cards that offer fuel surcharge waivers, cashback on petrol or diesel, accelerated rewards, and even additional lifestyle benefits — all in one place.
Why Choose a Fuel Credit Card?
A fuel credit card is your ideal financial partner for everyday commuting. Here’s why smart drivers prefer them:
Fuel Surcharge Waivers
Avoid the extra 1% surcharge at petrol pumps. Cards like the IndianOil Axis Bank Credit Card and BPCL SBI Card waive fuel surcharge on eligible transactions.
Fuel Cashback & Reward Points
Earn instant cashback or accelerated points on fuel spends. Cards such as HPCL ICICI Credit Card or HDFC Bharat Cashback Card convert every refill into savings.
Co-Branded Partnerships
Save more with exclusive tie-ups like IndianOil, HPCL, or BPCL for extra loyalty points and redemptions.
Low Annual Fees
Most fuel cards come with low annual or joining fees, often waived off with nominal spending milestones.
Additional Benefits
Some cards combine fuel benefits with discounts on groceries, bill payments, and online shopping — making them powerful for overall savings.
Compare. Choose. Save More on Fuel.
At CardMela.com, we offer a clear, side-by-side comparison of fuel cards. You can easily evaluate them based on:
Annual/Joining Fees
Eligibility Criteria
Fuel Cashback or Rewards Structure
Surcharge Waiver Limits
Co-Branded Pump Compatibility (HPCL, IOCL, BPCL)
Some of Our Featured Top Fuel Credit Cards Include:
HPCL Bank of Baroda ENERGIE Credit Card – Fuel-focused with accelerated rewards and surcharge waiver.
IndianOil Axis Bank Credit Card – Ideal for frequent IndianOil customers with high reward earnings.
BPCL SBI Credit Card – Co-branded with Bharat Petroleum for fuel cashback and Payback points.
HDFC Bharat Cashback Card – Flat cashback on fuel, groceries, and bill payments.
Standard Chartered Super Value Titanium – Fixed cashback on fuel at any pump across India.
You can also explore zero annual fee options, fuel + shopping combo cards, and cards with universal pump access.
Who Should Get a Fuel Credit Card?
These cards are perfect for:
Daily city commuters
Bike and car owners with regular fuel usage
Delivery executives or field agents
Professionals with long-distance driving jobs
Small business owners managing logistics
Anyone looking to reduce monthly petrol/diesel bills
If you fall into any of the above, browse our curated fuel credit card list and apply online directly through CardMela.com.
Transparent Fees & Eligibility
Each card listed shows:
Joining and Annual Fees
Waiver Conditions based on annual spends
Late Payment Penalties
Minimum Monthly Income Requirements
Credit Score Requirements
For best chances of approval, we recommend a CIBIL score above 750.
Maximize Your Monthly Commute
The right fuel card doesn’t just save you at the pump — it can also give cashback, rewards, and value-added perks on groceries, bills, and more. That’s why we suggest combining a fuel card with a cashback or lifestyle card to maximize savings.
For instance, a user with high daily driving needs may benefit from the HPCL ICICI Card + Axis Ace Credit Card for fuel cashback + bill payment rewards.
Why Choose CardMela.com?
We are India’s growing credit card comparison platform focused on simplicity, speed, and real benefits. Users prefer us because:
100% Transparent Comparison
Fresh Offers & Real-Time Deals
No Hidden Terms or Misleading Claims
Direct Bank Application Links
Detailed Card Reviews Based on Actual Features
Mobile-first, SEO-optimized, clean experience
Need help? Browse our Credit Card Guides or visit individual card pages for detailed breakdowns and user reviews.
Final Word
A fuel credit card isn’t a luxury — it’s a practical solution to rising fuel costs. From saving on every refill to earning cashback, it helps you drive smarter every day.
Don’t let another month pass without making the most of your fuel spends. Discover the top fuel credit cards, compare benefits, and apply instantly — only on CardMela.com.