Fuel costs can add up quickly, particularly for those who love hitting the open road. A suitable fuel credit card can significantly lighten this financial load by offering perks such as cashback, rewards, and waivers on surcharges. Below is a carefully selected list of some of the top fuel credit cards available in India for 2025, aimed at making your road trips more affordable and rewarding.
BPCL SBI Card
With a joining fee of ₹499 + GST, the BPCL SBI Card is perfect for frequent BPCL customers. Upon payment of the joining fee, cardholders receive 2,000 reward points, alongside 13X reward points for every ₹100 spent at BPCL locations. This card also offers a 4.25% value back on fuel refills at BPCL, making it an excellent pick for loyal BPCL patrons. Additionally, a 1% surcharge waiver on transactions up to ₹10,000 further enhances savings.
IndianOil HDFC Bank Credit Card
This card, requiring a joining fee of ₹500 + GST, is a flexible choice for those seeking fuel savings across the board. It provides 5% fuel points on all purchases made at IndianOil outlets, making it highly beneficial for IndianOil customers. Moreover, for every ₹150 spent on non-fuel categories like groceries and bill payments, cardholders earn 1 fuel point. It also features a 1% fuel surcharge waiver applicable at all fuel stations for added savings.
IndianOil Axis Bank Credit Card
Available for a joining fee of ₹500 + GST (from the second year), this card is designed specifically for IndianOil users. It offers 100% cashback (up to ₹250) on the first fuel purchase within 30 days of activation. Cardholders earn 20X reward points for every ₹100 spent at IndianOil, as well as 5 reward points for every ₹100 spent on online shopping, making it a great option for both fuel and lifestyle benefits.
ICICI Bank HPCL Super Saver Credit Card
This card provides outstanding value for HPCL customers at a joining fee of ₹500 + GST. It grants 5% cashback on fuel purchases at HPCL stations and an additional 1.5% cashback for payments made via the HP Pay app. New users can also benefit from ₹100 cashback on HP Pay transactions and receive 2,000 reward points upon activation.
Standard Chartered Super Value Titanium Credit Card
For a joining fee of ₹750 + GST, this card meets a variety of spending needs. It offers 5% cashback on all fuel transactions, limited to ₹200 per month, regardless of the fuel station. Additionally, cardholders receive 5% cashback on utility and mobile bill payments, positioning it as a smart choice for everyday spending.
BPCL SBI Card OCTANE
The BPCL SBI Card OCTANE, priced at a joining fee of ₹1,499, provides an extraordinary 7.25% value back on BPCL fuel refills, making it particularly appealing for regular BPCL users. Cardholders can earn 10 reward points for every ₹100 spent on shopping, groceries, dining, and movies, with a cap of 7,500 points per month. It also includes a 1% fuel surcharge waiver (up to ₹1,200 annually) to maximize savings.
IndusInd Bank Legend Credit Card
With a joining fee of ₹5,000, the IndusInd Bank Legend Credit Card is a premium product designed for high spenders. It offers a 1% surcharge waiver on fuel purchases between ₹500 and ₹3,000, up to ₹100 each month. Users earn 1 point for every ₹100 spent during weekdays, while weekend spending of the same amount earns up to 2 points, making it a rewarding choice for frequent travelers.
Features and Benefits of Fuel Credit Cards
Fuel credit cards are tailored for those who want to save on fuel costs. Here are some key features and benefits that make these cards a must-have for avid travelers:
- Accelerated Rewards: Many fuel cards offer increased reward points for transactions at partner outlets. For instance, the IndianOil Axis Bank Credit Card boasts a 20X points offer for every ₹100 spent at IndianOil.
- Cashback and Value Back: Some cards provide direct cashback on fuel purchases, contributing to substantial long-term savings.
- Fuel Surcharge Waivers: Most fuel credit cards feature surcharge waivers ranging from 1% to 3%, leading to considerable savings on each transaction.
How to Choose the Right Fuel Credit Card
Selecting the ideal fuel credit card hinges on your spending patterns and preferences. Here are some tips to consider before you apply for a credit card:
- Partner Outlets: Opt for a card that is associated with the fuel stations you frequently visit. BPCL and IndianOil cards, for example, are perfect if you regularly fill up at these stations.
- Benefits Offered: Evaluate whether cashback, rewards, or surcharge waivers align better with your spending habits.
- Reward Caps: Ensure you check the maximum limits on rewards or cashback to make certain the card suits your fuel consumption.
- Annual Fees: Compare the joining and annual fees with potential savings to assess the card’s value.
Conclusion
For enthusiasts of road travel, fuel credit cards provide a practical strategy for managing fuel expenses while simultaneously enjoying added perks. Whether you prefer a specific fuel brand or universal rewards, the aforementioned options cater to various preferences. Choose a credit card that complements your travel habits and experience a more affordable journey in 2025.
