Best Fuel Credit Cards in India (2026)

Delivers up to 8.5% valueback on fuel purchases at IndianOil petrol stations through a combination of reward points and fuel surcharge waivers. It provides strong savings for high-mileage commuters who frequent IndianOil outlets for daily refills. The trade-off is that benefits apply strictly at IOCL stations and reward points require redemption via the IOCL loyalty network.

Provides up to 7.5% savings on fuel at IndianOil stations alongside 1% fuel surcharge waiver and grocery rewards. It offers consistent monthly savings for city commuters who balance fuel refills with supermarket groceries. Its limitation is that fuel benefits are exclusive to IndianOil pumps with monthly reward caps.

The benchmark fuel card in India, delivering a massive 7.25% valueback (25 Reward Points per ₹100 plus 1% surcharge waiver) on fuel and Bharat Gas transactions at BPCL petrol stations up to ₹10,000 monthly spend. It pays for its ₹1,499 annual fee quickly for moderate to heavy vehicle commuters. The critical catch is that the 7.25% benefit applies strictly to BPCL stations, and points must be redeemed manually for BPCL fuel vouchers.

Delivers up to 4% valueback in EDGE reward points on IndianOil fuel purchases alongside 1% fuel surcharge waiver and 1% on online shopping. The RuPay variant allows fuel station payments via UPI QR scans. The main catch is that accelerated fuel returns require swiping at authorized IndianOil POS terminals, and transactions under ₹400 or over ₹4,000 do not qualify for surcharge waiver.

Co-branded HPCL card on the RuPay network offering up to 4% valueback on fuel at HPCL pumps alongside 1.5% surcharge waiver and HP Pay app integration. It enables QR code payments at petrol bunks. The limitation is exclusivity to HPCL stations and standard public-sector bank onboarding timelines.

Delivers up to 4% savings in reward points on fuel transactions at HPCL pumps and HP Pay app, plus 1% fuel surcharge waiver and grocery rewards. It offers reliable savings for motorists frequenting Hindustan Petroleum outlets. The drawback is that fuel savings do not apply at BPCL or IndianOil stations.

RuPay-enabled IndianOil fuel card combining 4% valueback at IOCL outlets with credit card UPI payment capabilities. It makes daily fuel refills and merchant payments payable via mobile phone scans. Surcharge waivers apply strictly within the ₹400 to ₹4,000 transaction window.

A rare non-exclusive fuel card offering 5% cashback on fuel purchases across ANY petrol station chain (BPCL, IndianOil, HPCL, Shell) alongside 5% on utility bills. It eliminates the hassle of hunting for a specific oil company station. Its major limitation is a strict monthly fuel cashback cap of ₹200 and a minimum transaction size requirement of ₹750.

Earns up to 5% of spends as Fuel Points at IndianOil outlets along with 1% fuel surcharge waiver and grocery rewards. Fuel points can be redeemed against fuel via IndianOil's XTRAREWARDS program. The primary limitation is that fuel savings are exclusive to IndianOil stations with monthly point ceilings.

Provides up to 4% savings on fuel at IndianOil stations plus dining and grocery valueback at an accessible fee structure. It serves daily city commuters who balance fuel refills with supermarket groceries. Its limitation is that fuel savings are restricted to IndianOil pumps with monthly reward caps.