Fuel Credit Cards

A fuel credit card is a type of credit card that offers maximum benefits on fuel purchases and transactions. This card helps lower the fuel expenses of those who constantly buy fuel for various purposes. If you are someone who spends a considerable amount of money on fuel every month, it is advisable to get and use a fuel credit card to save on your expenses while earning attractive rewards and benefits.

The benefits and features offered on a fuel credit card may differ from one lender to another. While some may offer only a fuel surcharge waiver, others may also earn you reward points on all spends and other benefits. Some common benefits that come with most fuel credit cards are:

• Reward points on fuel and non-fuel expenses
• Multiple reward points redemption options
• Cashback offers
• Fuel surcharge waiver
• Discounts and offers on dining
• Lounge access
• Movie offers
• Annual fee waiver
• Facility to make utility bill payments online
• Concierge service

Below is the list of 5 top fuel credit cards in India:

BPCL SBI Card

BPCL SBI Credit Card comes with many fuel as well as non-fuel related benefits, such as 3X reward points on fuel purchases at BPCL petrol pumps, 3.25% + 1% fuel surcharge waiver on every BPCL transaction, bonus reward points, Amazon voucher, and so on.

Key features & benefits: 

• Get 2,000 activation bonus reward points (worth Rs. 500) as a welcome gift on joining fee payment. These reward points can be redeemed instantly against fuel purchases at BPCL outlets or at the Shop n Smile rewards catalogue.
• 4.25% Valueback (13X reward points) on fuel purchases at BPCL petrol pumps.
• 3.25% + 1% fuel surcharge waiver (maximum Rs. 100 in a billing cycle, equivalent to annual savings of Rs. 1,200) on every BPCL transaction of up to Rs. 4,000 (excluding GST & other charges).
• Get an Amazon voucher worth Rs. 250 if you apply for the card online.
• 5X reward points (up to 5000 per month) on spending every Rs. 100 at departmental stores, groceries, movies & dining. 
• 1 reward point for spending every Rs. 100 on non-fuel retail purchases.
• Flexible instant redemption program at 1200 BPCL petrol pumps. There is no minimum threshold of reward points for redemption. 
• Joining fee: Rs. 499. Get a welcome gift worth Rs. 500 on payment of the joining fee.
• Renewal fee: Rs. 499.

IndianOil Axis Bank Credit Card

This credit card is designed to provide benefits on every fuel transaction. The card gives accelerated reward points and surcharge waivers at fuel outlets along with an instant discount on the movie tickets booked via the BookMyShow website or app.

Key features & benefits: 

• Get 100% cashback (worth Rs. 250) on your first fuel transaction within the first 30 days.
• 4% value back on fuel transactions (between Rs. 400 to Rs. 5,000 per month) by earning 20 reward points per Rs. 100 spent at IOCL fuel outlets in India.
• 1% fuel surcharge waiver (up to Rs. 50 per statement cycle) on spending Rs. 200 to Rs. 5,000 per month at any fuel outlet in India.
• 1% value back on shopping online by earning 5 reward points per Rs. 100 spent. 
• Annual fee waiver on spending Rs. 50,000 in a year.
• Up to 10% instant discount on booking movie tickets via the BookMyShow website or app.
• 1 EDGE Reward Point on spending every Rs. 100.
• Up to 15% discount on dining at partner restaurants in India.
• Joining fee: Rs. 500. Lifetime Free Offer for select channels.
• Renewal fee: Rs. 500. Lifetime Free Offer for select channels.

IDFC FIRST Power+ Credit Card

The IDFC FIRST Power+ Credit Card helps you save up to Rs. 18,500 annually. There are many fuel-related benefits and you also get complimentary airport lounge access.

Key features & benefits: 

• Save up to Rs. 18,500 annually, enough to buy 175+ litres of fuel.
• 4% savings as rewards on HPCL fuel and LPG expenses of up to Rs. 10,000 every month.
• 1.5% savings as payback rewards via HP Pay App fueling up to Rs. 5,000 each month.
• 1% savings as a fuel surcharge waiver on fuel expenses up to Rs. 10,000 every month.
• Rs. 500 cashback on the first HPCL fuel transaction of Rs. 500 or more.
• 5% savings as rewards on grocery and utility expenses up to Rs. 2,000 every month.
• 5% savings as rewards on IDFC FIRST FASTag recharge up to Rs. 1,000 every month.
• 3X rewards on other retail transactions.
• 5% cashback (up to Rs. 1,000) on the first EMI conversion.
• Rs. 150 discount on orders of above Rs. 500 on Swiggy.
• Rs. 500 discount on ZoomCar rentals. 
• Up to 50% discount on domestic and international rental cars with Eco Rent A Car and Europcar.
• Complimentary access to domestic airport lounge once every quarter, on minimum monthly spends of Rs. 5,000.
• 25% off on booking movie tickets up to Rs. 100, once every month.
• Complimentary Roadside Assistance worth Rs. 1,399.
• Personal Accident Cover of Rs. 2 Lakhs and Lost Card Liability Cover of Rs. 25,000.
• Refer your friends and earn up to 10,000 rewards.
• Never-expiring reward points 
• Low and dynamic interest rates starting at just 9% per annum
• 0% interest on ATM cash withdrawals until the due date.
• Joining fee: Rs. 499 (Introductory Offer with zero joining fee till 30.04.2023).
• Annual fee: Rs. 499; Waived off on crossing Rs. 1,50,000 spends in the previous anniversary year.

ICICI HPCL Super Saver Credit Card

If you want to reduce your fuel, utility and grocery bills, this is the best card for you. The ICICI Bank HPCL Super Saver Credit Card keeps costs under check with cashback and savings on fuel, utility and departmental store spends.

Key features & benefits: 

• 2,000 reward points as a joining benefit on card activation and fee payment.
• Rs. 100 cashback on the HP Pay app.
• 5% back as reward points on utility, grocery, and departmental store purchases.
• 25% (up to Rs. 100 per transaction) discount on booking movie tickets through BookMyShow and INOX Movies. Offer available twice a month.
• Additional 1.5% back as reward points on all fuel purchases via the HP Pay app at HPCL outlets.
• 2 reward points on spending every Rs. 100 on retail purchases (except fuel).
• Accumulated reward points can be redeemed against fuel at HPCL pumps and also against all the items in the catalogue on the ICICI Bank Rewards site.
• Complimentary airport domestic lounge access.
• Complimentary 24x7 Road Side Assistance services.
• Exclusive dining offers under Culinary Treats Programme.
• Joining fee: Rs. 500 + GST.
• Renewal fee: Rs. 500 + GST; Waived on spends of Rs. 1,50,000 per year.
• Supplementary card fee: Rs. 100.

IndianOil HDFC Bank Credit Card

Now your everyday spends can earn you up to 50 litres of free fuel annually with the IndianOil HDFC Bank Credit Card. The card has many fuel benefits to offer you.

Key features & benefits: 

• Earn up to 50 litres of free fuel annually. 
• Earn 5% of your spending as Fuel Points at IndianOil outlets (maximum 250 Fuel Points per month in the first 6 months and 150 Fuel Points after 6 months from the card issuance).
• Earn 5% of your spending as Fuel Points on groceries & bill payments (maximum 100 Fuel Points per month on each category).
• Earn 1 Fuel Point for spending every Rs. 150 on all other purchases. 
• Complimentary membership of IndianOil XTRAREWARDSTM Program (IXRP).
• Zero lost card liability in the event of losing your IndianOil HDFC Bank Credit Card.
• Up to 50 days of interest-free credit period.
• 1% fuel surcharge waiver at all fuel stations across India on a minimum transaction value of Rs. 400. Maximum cashback available of Rs. 250 per statement cycle.
• Get a waiver on the renewal membership fee on spending Rs. 50,000 and above in the first year.
• Accelerated 5% Fuel Points on spending at IndianOil outlets, groceries and bill payments.
• Joining fee: Rs. 500 + applicable taxes.
• Renewal fee: Rs. 500 + applicable taxes.

Some common eligibility criteria for fuel credit cards in India are mentioned below:

• Age of primary applicant: The primary applicant must be aged between 18 to 70 years.
• Age of add-on cardholder: The add-on cardholder must be aged above 15 years.
• Nationality: The applicant should either be an Indian resident or a Non-Resident Indian (NRI).
• Credit score: The applicant must have a healthy credit score.
• Monthly income for salaried applicants: The minimum monthly income of the applicant should be above Rs. 10,00 per or more.
• Annual income for self-employed applicants: Annual income should be an ITR above Rs. 6 Lakhs per annum.

*The fuel credit card eligibility criteria mentioned above may differ from one lender to another and/or from one credit card to another.

The following documents are required to apply for a fuel credit card:

• A photocopy of the PAN card or Form 60
• Duly filled and signed application form along with a recent colour photograph.
• Income proof, such as the latest payslip, Form 16, income tax return, or bank statement, etc. 
• Residence proof, such as aadhaar card, passport, ration card, electricity bill, or landline telephone bill.
• Identity proof, such as passport, driving license, PAN card, or aadhaar card.

*The above-mentioned fuel credit card documents required list may differ from one lender to another and/or from one credit card to another.

You can apply for a fuel credit card online through our website or the official website of the card issuer. You can also apply for the card offline by visiting the nearest branch of the lender from which you want to avail of the card. You must fill out the application form and provide the required documents to get the fuel credit card and cut down on fuel expenses.