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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.

✅ Rankings updated: November 2026 🏆 Ranked by: reward rate, fee value, real-world usability — not paid partnerships 📋 Data verified against official bank websites
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How we rank: Cards are ordered by overall value score — 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
Axis Bank logo
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Axis Ace Credit Card

Axis Bank logo Axis Bank
Cashback Dining Lifestyle Fuel
Annual Fee: ₹499/yr
Joining Fee: ₹499
🎁 5% cashback on GPay bill payments; 4% on Swiggy/Zomato/Ola
✅ Best for: Urban professionals paying rent, bills and dining via apps
⭐ 4.6/5
See Details Apply Now →
#2 RUNNER-UP
SBI Card logo
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BPCL SBI Octane Credit Card

SBI Card logo SBI Card
Fuel Cashback
Annual Fee: ₹1,499/yr
Joining Fee: ₹1,499
🎁 7.25% value back on BPCL fuel; 5X on grocery spends
✅ Best for: Car owners who refuel at BPCL stations 2+ times a week
⭐ 4.4/5
See Details Apply Now →
SBI Card logo
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BPCL SBI Card Octane

SBI Card logo SBI Card
fuel cashback
Annual Fee: ₹1,499
Joining Fee: ₹1,499
🎁 7.25% value back at BPCL; 10X on BPCL fuel; 5X on grocery
✅ Best for: Car owners who refuel at BPCL stations 2+ times per week
⭐ 4.4/5
See Details Apply Now →
ICICI Bank logo
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ICICI Bank HPCL Super Saver Credit Card

ICICI Bank logo ICICI Bank
fuel cashback
Annual Fee: ₹500
Joining Fee: ₹500
🎁 6.5% value back at HPCL fuel stations; 5% on grocery
✅ Best for: Car owners who refuel at HPCL pumps regularly
⭐ 4.3/5
See Details Apply Now →
HDFC Bank logo
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HDFC IndianOil Credit Card

HDFC Bank logo HDFC Bank
fuel cashback
Annual Fee: ₹500
Joining Fee: ₹500
🎁 5% FuelPoints at IndianOil outlets; 3% on groceries
✅ Best for: IndianOil loyal customers who fill up 2+ times a week
⭐ 4.2/5
See Details Apply Now →
IDFC First Bank logo
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IDFC FIRST Bank HPCL Power+ Credit Card

IDFC First Bank logo IDFC First Bank
fuel cashback lifetime-free ♾️ Lifetime Free
Annual Fee: Free
Joining Fee: Free
🎁 6.5% value back on HPCL fuel; 5% on utility payments
✅ Best for: HPCL fuel users wanting maximum value back on petrol
⭐ 4.2/5
See Details Apply Now →
ICICI Bank logo
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ICICI Bank Business Advantage Credit Card

ICICI Bank logo ICICI Bank
cashback fuel
Annual Fee: ₹1,000
Joining Fee: ₹1,000
🎁 2X PAYBACK Points on business spends; fuel surcharge waiver
✅ Best for: Small business owners tracking business expenses
⭐ 4.0/5
See Details Apply Now →
IDFC First Bank logo
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IDFC FIRST Power+ Credit Card

IDFC First Bank logo IDFC First Bank
fuel cashback
Annual Fee: ₹199
Joining Fee: ₹199
🎁 5% cashback on HPCL fuel; 4% on utility bills; 2% on groceries
✅ Best for: Middle-class households with high fuel and utility bills
⭐ 4.0/5
See Details Apply Now →
HDFC Bank logo
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HDFC Bank Bharat Credit Card

HDFC Bank logo HDFC Bank
fuel cashback
Annual Fee: ₹500
Joining Fee: ₹500
🎁 5% cashback on PayZapp and SmartBuy; 3% on fuel
✅ Best for: Mid-income users spending on fuel and digital payments
⭐ 4.0/5
See Details Apply Now →
Bank of Baroda (BOB Card) logo
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Bank of Baroda Empower Credit Card

Bank of Baroda (BOB Card) logo Bank of Baroda (BOB Card)
lifetime-free cashback fuel ♾️ Lifetime Free
Annual Fee: Free
Joining Fee: Free
🎁 3X Reward Points on grocery; 2X on fuel; 1X on others; no annual fee ever
✅ Best for: BOB customers wanting everyday rewards with no annual fee burden
⭐ 3.8/5
See Details Apply Now →
FAQs

Common Questions about Fuel Cards

What is the best Fuel credit card in India for 2026? ＋
The best card depends on your spending habits and income. Use our rankings above — they're updated monthly based on actual reward rates, fees, and benefits.
Are the rankings paid or sponsored? ＋
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? ＋
Click "Apply Now" on any card — 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? ＋
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.