Best credit cards for Fuel , Petrol, Diesel – Updated list in 2026

IDFC First Power+

• Best for purchase: ₹12,000/month on HPCL fuel via HP Pay
• Maximum saving: ₹750/month (₹600 in reward points + ₹150 in Happy Coins)
• Rewards points: 2,400 points/month (30 points per ₹150 spent)
• Reward Rate:
  • 5% via reward points
  • 1.5% via Happy Coins
  • Total: 6.5% effective cashback
• Saving calculation:
  • 2,400 points × ₹0.25 = ₹600
  • 600 Happy Coins × ₹0.25 = ₹150
  • Total = ₹750/month
• Joining fees: ₹499
• Annual fee: ₹499 (: ₹499 (Waived on annual spends of ₹1.5 lakh)

ICICI HPCL Super Saver Card

• Best for purchase: ₹4,000/month on HPCL fuel
• Maximum saving: ₹200/month (fuel cashback cap)
• Rewards points: Direct cashback, not points — 5% on HPCL fuel spends
• Reward Rate:
  • 5% cashback on HPCL fuel (via ICICI Bank POS machines)
  • 1% fuel surcharge waiver (on ₹400–₹4,000 transactions)
• Saving calculation:
  • ₹4,000 × 5% = ₹200 cashback
  • ₹4,000 × 1% = ₹40 surcharge waiver
  • Total = ₹240/month
• Joining fees: ₹500 + GST
• Annual fee: ₹500 (Waived on annual spends of ₹1.5 lakh)

HDFC IndianOil Credit Card

• Best for purchase: ₹10,000/month on fuel at IndianOil outlets
• Maximum saving: ₹480/month (₹500 in Fuel Points – capped, minus ₹20 redemption loss)
• Rewards points:
  • 5% Fuel Points on IndianOil fuel, groceries, and bill payments
  • 1 FP per ₹150 on other spends
• Reward Rate:
  • 5% in Fuel Points on eligible categories
  • Redeemable at IndianOil outlets at ₹0.96 per FP
• Saving calculation:
  • ₹10,000 × 5% = 500 FP
  • 500 FP × ₹0.96 = ₹480
  • Total = ₹480/month
• Joining fees: ₹500
• Annual fee: ₹500 (Waived on annual spends of ₹50,000)

IndianOil RBL Bank XTRA Card

• Best for purchase: ₹13,333/month on IndianOil fuel
• Maximum saving: ₹1,000/month (2,000 Fuel Points cap)
• Rewards points:
  • 15 Fuel Points per ₹100 spent at IndianOil outlets
  • 2 Fuel Points per ₹100 on other spends
• Reward Rate:
  • 7.5% on fuel (15 FP × ₹0.50)
  • 1% on other spends
• Saving calculation:
  • ₹13,333 × 7.5% = ₹1,000
  • 2,000 FP × ₹0.50 = ₹1,000
• Joining fees: ₹1,500 + GST
• Annual fee: ₹1,500 (Waived on annual spends of ₹2.75 lakh)

Kotak IndianOil Credit Card

• Best for purchase: ₹7,500/month on IndianOil fuel
• Maximum saving: ₹600/month (1,200 reward points cap)
• Rewards points:
  • 24 points per ₹150 on IndianOil fuel = ₹12 per ₹150
  • 12 points per ₹150 on grocery/dining = ₹6 per ₹150
  • 3 points per ₹150 on other spends = ₹1.50 per ₹150
• Reward Rate:
  • 8% on IndianOil fuel
  • 4% on grocery/dining
  • 1% on other spends
• Saving calculation:
  • 1,200 points × ₹0.50 = ₹600/month
  • Redeemable via KotakRewards or IndianOil XTRAREWARDS
• Joining fees: ₹449 + GST
• Annual fee: ₹449 (Waived on annual spends of ₹50,000)

IndianOil Axis Bank Credit Card

• Best for purchase: ₹5,000/month on IndianOil fuel
• Maximum saving: ₹250/month (₹200 in EDGE Rewards + ₹50 surcharge waiver)
• Rewards points:
  • 20 EDGE Reward Points per ₹100 on IndianOil fuel
  • 5 EDGE Points per ₹100 on online shopping
  • 1 EDGE Point per ₹100 on other spends
• Reward Rate:
  • 4% on fuel (20 points × ₹0.20)
  • 1% on online shopping
  • 0.2% on other spends
• Saving calculation:
  • ₹5,000 × 4% = ₹200 in EDGE Points
  • ₹5,000 × 1% = ₹50 surcharge waiver
  • Total = ₹250/month
• Joining fees: ₹500 + GST
• Annual fee: ₹500 (Waived on annual spends of ₹3.5 lakh)

SBI OCTANE Credit Card

• Best for purchase: ₹20,000/month on fuel at any petrol pump
• Maximum saving: ₹1,000/month (capped cashback)
• Rewards points: Direct cashback, not points — 1% surcharge waiver + 6.25% cashback
• Reward Rate:
  • 6.25% cashback on fuel spends
  • 1% fuel surcharge waiver
  • Total: 7.25% effective cashback
• Saving calculation:
  • ₹20,000 × 6.25% = ₹1,250 cashback
  • But cashback is capped at ₹1,000/month
  • ₹20,000 × 1% = ₹200 surcharge waiver
  • Total = ₹1,200/month (₹1,000 cashback + ₹200 waiver)
• Joining fees: ₹1,499 + GST
• Annual fee: ₹1,499 (Waived on annual spends of ₹2 lakh)

SBI BPCL Credit Card

• Best for purchase: ₹10,000/month on BPCL fuel
• Maximum saving: ₹500/month (13X reward points cap)
• Rewards points:
  • 13 points per ₹100 on BPCL fuel (₹0.25/point)
  • 5 points per ₹100 on groceries, movies, dining
  • 1 point per ₹100 on other spends
• Reward Rate:
  • 3.25% on BPCL fuel
  • 1.25% on groceries, dining, movies
  • 0.25% on other spends
• Saving calculation:
  • ₹10,000 × 3.25% = ₹325
  • Fuel surcharge waiver: ₹10,000 × 1% = ₹100
  • Total = ₹425/month
• Joining fees: ₹499 + GST
• Annual fee: ₹499 (Waived on annual spends of ₹50,000)

HPCL Energie BoB Credit Card

• Best for purchase: ₹9,000–₹10,000/month on HPCL fuel via HP Pay (QR code method)
• Maximum saving: ₹500/month
  • ₹450 in reward points (1,800 points cap)
  • ₹50 fuel surcharge waiver
• Rewards points:
  • 24 points per ₹150 on HPCL fuel via HP Pay QR (₹0.25/point)
  • 10 points per ₹150 on groceries, utilities, departmental stores
  • 2 points per ₹150 on other spends
• Reward Rate:
  • 4% on HPCL fuel
  • 1.67% on groceries/utilities
  • 0.33% on other spends
• Saving calculation:
  • ₹9,000 × 4% = ₹360
  • ₹9,000 × 1% surcharge waiver = ₹90 (but capped at ₹50)
  • Total = ₹410/month (₹360 + ₹50)
• Joining fees: ₹499 + GST
• Annual fee: ₹499 (Waived on annual spends of ₹50,000)