Fuel Points / Surcharge Waiver Credit Cards – Pump More, Pay Less
Drive Smart with India’s Best Fuel Credit Cards
Tired of high fuel costs every time you fill up your tank? Whether you’re a daily commuter, a long-distance traveler, or someone who just wants to save smartly on fuel — CardMela.com brings you a handpicked list of Fuel Credit Cards that offer real savings on every litre.
These cards aren’t just about one-time offers — they deliver consistent fuel surcharge waivers, accelerated rewards on fuel spends, and special tie-ups with leading petrol pumps like IOCL, HPCL, and BPCL.
Enjoy powerful savings and rewards through:
- 1% Fuel Surcharge Waiver across most fuel stations
- Accelerated rewards or cashback on fuel spends
- Fee waivers on achieving basic annual spend limits
- Tie-ups with HPCL, BPCL, IOCL for added benefits
- Extra savings on UPI, contactless, and co-branded variants
Explore top-performing fuel cards like the IndianOil HDFC Card, BPCL SBI Card, ICICI HPCL Super Saver, and Axis IndianOil Credit Card — all known for real savings, easy eligibility, and nationwide acceptance.
These cards also offer:
- Monthly caps designed for regular commuters and riders
- Co-branded loyalty points redeemable on fuel
- Dining, movie, and utility bill benefits bundled in
- High approval rate for both salaried and self-employed users
Ready to cut down your fuel costs? Use our comparison tool and apply now for the smartest fuel-saving credit cards in India.tool to check features, annual fees, eligibility, and apply for your favourite card today — only on CardMela.com.
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
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
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
IndusInd Bank Rupay Platinum Credit Card
★★★★☆ 43/5
Best for lifetime free UPI card with rewards and insurance
Benefits:
₹0 joining and annual fee
2x reward points on UPI spends
1x reward point on other spends
1% fuel surcharge waiver
₹25L air accident insurance
Travel insurance cover
Fraud protection up to credit limit
UPI linking with GPay PhonePe Paytm BHIM
Points redeemable for cashback and miles
Eligibility:
Minimum monthly income ₹20000
Available for new and existing IndusInd Bank customers
Fees:
Joining fee ₹0
Annual fee ₹0
Most Efficient. Most Economical. Most Fuel-Smart.
Confused about which fuel card to go for? Start with the ones that maximize your savings on every litre.
This page showcases the top-rated fuel credit cards chosen by CardMela users for their real-world value, nationwide fuel tie-ups, and fuel surcharge waiver benefits — perfect for drivers, riders, and road-trippers alike.
Why These Cards Work Best
Guaranteed Fuel Savings
Get 1% fuel surcharge waiver + reward/cashback on fuel spends — every time you fill up.
High Approval Rates
Trusted by users for easy eligibility and a fast application process.
Partner Network Coverage
Strong co-branded options with IndianOil, BPCL, HPCL and more — accepted at thousands of pumps.
Value Beyond Fuel
Enjoy bundled benefits like utility bill cashback, dining discounts, and EMI options.
Who Uses These Fuel Cards?
Daily office commuters and cab drivers
Frequent highway travellers
Two-wheeler and car owners
Budget-conscious families
Anyone tired of paying extra at fuel stations
Fuel Smart. Save More. Drive Further.
Use CardMela to compare the best-performing fuel credit cards, see real benefits side-by-side, and apply online — in just a few clicks.
The road to savings starts here.
Compare fuel cards. Fuel up. Save more..