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10 Best Fuel Credit Cards in India (2026)

Save money on petrol and diesel every month. Compare cashback rates, surcharge waivers and reward points on fuel transactions.

βœ… Rankings updated: March 2026 πŸ† Ranked by: reward rate, fee value, real-world usability β€” not paid partnerships πŸ“‹ Data verified against official bank websites
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How we rank: Cards are ordered by overall value score β€” a weighted formula combining reward rate, annual fee, joining fee waiver, lounge access, and real-world usability for Indian spending habits. The #1 card genuinely offers the best combination for most people in this category.
⭐ #1 IN THIS CATEGORY
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Axis Ace

Axis Ace Credit Card

Axis Bank
Cashback Dining Lifestyle Fuel
Annual Fee: β‚Ή499/yr
Joining Fee: β‚Ή499
🎁 5% cashback on GPay bill payments; 4% on Swiggy/Zomato/Ola
βœ… Best for: Urban professionals paying rent, bills and dining via apps
#2 RUNNER-UP
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BPCL SBI

BPCL SBI Octane Credit Card

SBI Card
Fuel Cashback
Annual Fee: β‚Ή1,499/yr
Joining Fee: β‚Ή1,499
🎁 7.25% value back on BPCL fuel; 5X on grocery spends
βœ… Best for: Car owners who refuel at BPCL stations 2+ times a week
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BPCL SBI

BPCL SBI Card Octane

SBI Card
fuel cashback
Annual Fee: β‚Ή1,499
Joining Fee: β‚Ή1,499
🎁 7.25% value back at BPCL; 10X on BPCL fuel; 5X on grocery
βœ… Best for: Car owners who refuel at BPCL stations 2+ times per week
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ICICI Bank

ICICI Bank HPCL Super Saver Credit Card

ICICI Bank
fuel cashback
Annual Fee: β‚Ή500
Joining Fee: β‚Ή500
🎁 6.5% value back at HPCL fuel stations; 5% on grocery
βœ… Best for: Car owners who refuel at HPCL pumps regularly
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HDFC IndianOil

HDFC IndianOil Credit Card

HDFC Bank
fuel cashback
Annual Fee: β‚Ή500
Joining Fee: β‚Ή500
🎁 5% FuelPoints at IndianOil outlets; 3% on groceries
βœ… Best for: IndianOil loyal customers who fill up 2+ times a week
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ICICI Bank

ICICI Bank Business Advantage Credit Card

ICICI Bank
cashback fuel
Annual Fee: β‚Ή1,000
Joining Fee: β‚Ή1,000
🎁 2X PAYBACK Points on business spends; fuel surcharge waiver
βœ… Best for: Small business owners tracking business expenses
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IDFC FIRST

IDFC FIRST Power+ Credit Card

IDFC First Bank
fuel cashback
Annual Fee: β‚Ή199
Joining Fee: β‚Ή199
🎁 5% cashback on HPCL fuel; 4% on utility bills; 2% on groceries
βœ… Best for: Middle-class households with high fuel and utility bills
FAQs

Common Questions about Fuel Cards

What is the best Fuel credit card in India for 2026? οΌ‹
The best card depends on your spending habits and income. Use our rankings above β€” they're updated monthly based on actual reward rates, fees, and benefits.
Are the rankings paid or sponsored? οΌ‹
No. We never accept payment to rank a card higher. Rankings are based on objective criteria: reward rate, fee value, benefits, and real-world usability.
How do I apply for a Fuel credit card? οΌ‹
Click "Apply Now" on any card β€” it takes you directly to the bank's official application page. You'll need PAN card, income proof and address proof ready.
What credit score do I need? οΌ‹
Most credit cards require a CIBIL score of 700+. Premium cards may need 750+. If you're building credit, start with a secured or lifetime-free card.