Fuel Credit Cards are the ones that are specially designed to save on your fuel purchases. The credit card is partnered with many fuel outlets including the HPCL, IndianOil and many others. When the credit card is used at the particular outlets for fuel purchases, the user gets great discounts and cashback rewards for the same. The reward points later on can be used to redeem free fuel at these outlets.
Best Fuel Credit Cards
While looking for a the top fuel credit cards, one must consider the perks and discounts that the card provides. The best fuel credit cards tend to offer great cashbacks and many other benefits.
List Of Fuel Credit Cards in 2025
Below is the list of the top fuel credit cards in 2024. Each credit card offers various benefits and cashback deals to their customers.
BPCL SBI Card Octane Credit Card
Annual Fee: Rs 1499+ GST
Key Benefits:
Here are some key benefits of this credit card. Below are the benefits:
- Welcome gift worth Rs 1500 for free fuel at BPCL stations.
- Access to domestic airport lounge (4 visits every year).
- Earn reward points on lifestyle experiences.
- Get up to 7.5% value back for the fuel purchases
IndianOil RBL Bank XTRA Credit Card
Annual Fee: Rs 500+ GST
Key Benefits:
Here are some key benefits of this credit card. Below are the benefits:
● Free fuel up to 45 litres every year.
● 10% cashback on utility payments.
● Earn 5% value back only at the Indian Oil petrol pumps.
● Availability of easy EMI options providing flexibility.
ICICI Bank HPCL Super Saver Credit Card
Annual Fee: Rs 500+ GST
Key Benefits:
Here are some key benefits of this credit card. Below are the benefits:
- Earn 5% cashback after spending on fuel purchases at HPCL stations.
- Get cashbacks on utility payments and online transactions.
- Welcome gift worth Rs 100 within 30 days of card approval.
- Additional discounts at selected restaurants
- Availability of easy and quick transactions through contactless payments
SBI Cashback Credit Card
Annual Fee: Rs 999+ GST
Key Benefits:
Here are some key benefits of this credit card. Below are the benefits:
- Get 5% cashback on everyday purchases and utility payments.
- Availability of contactless payments for convenience.
- Large amount purchases can be converted into EMIs
- Welcome gift worth Rs 750
IDFC FIRST HPCL Power+ Credit Card
Annual Fee: Rs 499+ GST
Key Benefits:
Here are some key benefits of this credit card. Below are the benefits:
- Earn 6X reward points on everyday expenses.
- Availability of a good welcome gift.
- Enjoy interest free credit card for at least 48 days.
- Access to secure and instant transactions through contactless payments.
- Availability of discounts at selected restaurants
IndianOil Axis Bank Credit Card
Annual Fee: Rs 500+ GST
Key Benefits:
Here are some key benefits of this credit card. Below are the benefits:
- As a welcome bonus get 100 % cashback at Indian Oil fuel outlets.
- Enjoy 5X reward points on online shopping.
- Reward points on spending at Indian Oil petrol pumps.
- Card Tap for instant payments through card
- Easy redemption of fuel reward points at the IndianOil outlets
IndianOil Kotak Credit Card
Annual Fee: Rs 500+ GST
Key Benefits:
Here are some key benefits of this credit card. Below are the benefits:
- Get up to 5% discount on fuel at IndianOil outlets.
- Easy access to the redemption of reward points.
- Welcome bonus that can be used to get great deals on fuel at IndianOil.
- Contactless payments for easy and secure transactions.
- Discounts at selected restaurants partnered with Kotak Bank
- Reward points on online shopping and spending on daily essentials.
HPCL BoB Energie Credit Card
Annual Fee: Rs 499+ GST
Key Benefits:
Here are some key benefits of this credit card. Below are the benefits:
- Welcome gift worth 2000 reward points that can be used on fuels.
- 5% cashback on HPCL petrol pumps for purchasing fuel.
- 5% cashback on everyday essentials and online transactions.
- Discounts at restaurants partnered with Bank of Baroda
- Redemption of reward points at HPCL fuel stations resulting in free fuel
IndianOil Citi Platinum Credit Card
Annual Fee: Rs 1000+ GST
Key Benefits:
Here are some key benefits of this credit card. Below are the benefits:
- Welcome offer comes with 500 reward points.
- Reward points can be redeemed at IndianOil outlets for free fuel.
- Get up to 4% cashback on fuel purchases and other transactions.
- Citi World Privileges Program offers access to exiting shopping and dining offers.
ICICI HPCL Coral Visa/MasterCard Credit Card
Annual Fee: Rs 500+ GST
Key Benefits:
Here are some key benefits of this credit card. Below are the benefits:
- 5% cashback offer on fuel at the HPCL petrol pumps.
- Welcome gift with 1000 reward points.
- Reward points while spending on shopping, entertainment and daily essentials.
- Reward points are redeemable at the HPCL outlets for free fuel.
- Special entertainment and dining offers with the Visa/MasterCard large network
- Annual Fee is waived off if spending is more than Rs 50000 in a year
Eligibility of Fuel Credit Cards
The eligibility of a fuel credit card depends on the bank of a particular card. Though there are some common eligibility criterias that one must be aware of. Check the below criterias and see if you are fit to apply for a credit card.
- The applicant should not be a minor. The age of the applicant should be between 18- 65 years.
- The applicant should be a salaried person or self employed
- The applicant should have a stable income in order to be eligible for a credit card
- The applicant should be a permanent resident of India
- It is mandatory to have a good credit score to qualify for a credit card
These are some of the most common eligibility criterias that one should qualify. Always visit the bank or the official website to know more about the criterias that a particular bank considers significant to be eligible for a fuel credit card.
How to Find The Best Fuel Credit Cards?
In order to find the best fuel credit cards one must check a few factors that will help to select the best card. If you study these factors, you will get a pretty good idea about the benefits and offers that the credit card provides and thus help to find the one that fits your requirements. Some of these factors are as follows-
- Check the Joining and Annual Fee that bank charges
- See if there is a welcome bonus available after the approval of the credit card
- Verify the fuel network that the credit card comes with, it should be well connected with famous fuel station like HPCL, IndianOil and many others
- Along with fuel waiver, check what other offers and discounts are provided by the credit card
- Verify the reward points and the redemption process before applying for a credit card
- Check the interest rates that the bank charges for transactions through credit card
These factors will help you find the best credit card as per your needs or requirements. You can also check customer reviews to know more about the positive and negative points of the fuel credit card.
How to Apply Fuel Credit Cards Online?
To Apply for the fuel credit card online, follow the below given steps carefully-
- Firstly, select a fuel credit card that you are interested to apply and best fits your lifestyle.
- Visit into the official website of the respective bank and login into the account.
- Select the credit card you to wish to apply for and start the application process.
- While filling the application process, fill all the personal details like full name, contact details, date of birth, etc.
- Submit all the necessary documents that are required including the Identity Proof, Address Proof, Income Proof and many others.
- Review that application and move ahead to submit the same.
- After the application process, wait for the approval and arrival of the credit card.
After following these steps properly, one can easily apply for a credit card online.
Fuel Credit Card Best Offers
While considering the fuel credit cards, check the below given offers that are available for particular credit cards-
- BPCL SBI Card Octane Credit card offers flat 7.25% value back to their customers on BPCL fuel purchases
- IndianOil RBL Bank XTRA Credit Card offers their customers flat 8.5% value back on purchases at IndianOil outlets
These offers are available for the mentioned credit card only. So, make sure you consider the other details and benefits before filling out an application form.
Conclusion
These were all the necessary details regarding fuel credit cards. These credit cards are designed to offer you discounts and value back on your fuel purchases. The reward points that are received during the purchases can also be used to avail free fuel at the selected fuel stations. The fuel credit card annual charges are also pretty decent when compared to the services and offers that they provide in return. Move ahead to apply for a credit card that best suits your lifestyle.
FAQs
Which is the best credit card for Petrol?
BPCL Credit Card is the best credit card for petrol.
Can I get a fuel credit card?
Yes, you can easily get a fuel credit card if you check all the eligibility criterias.
What is the benefit of a fuel credit card?
The primary reason to get a fuel credit card is that it allows the user to save on fuel purchase.