Practical Credit Cards for Fuel Savings in India [Feb 2026]
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You are losing money every time you refuel because your rewards may be capped. Your current card is likely failing you. Switch to these specific picks by top Indian card providers.
Best Cards
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Fuel spends are something that you cannot delay or ignore. You’ve got to refuel your car or bike for your daily commute.
Every time you don’t swipe a card that offers cashback or rewards on fuel spends, you’re leaving money on the table. Even an extra one percent cashback for a changing a habit, doesn’t harm. Right?
Banks have changed their fee and reward structures, and not all cards that once worked well for fuel are still good options.
I’ve spent time tracking recent updates, real-user feedback, and my personal experiences to help you find the fuel cards that genuinely save you money instead of adding hidden fees.
Here are the top cards based on my research:
Best Credit Cards for HP Petrol Pumps
Best Credit Cards for HP Petrol Pumps
| Title | Description | Annual Fee | Joining Fee | Fuel Rewards |
|---|---|---|---|---|
| IDFC HPCL FIRST Power Credit Card | Up to 5% cashback on fuel spends at HPCL outlets; 21X Reward Points on HPCL fuel spends; ₹250 cashba... | 199 | 199 | Up to 5% cashback on fuel spends |
| IDFC HPCL FIRST POWER PLUS Credit Card | Earn 30X Reward Points on HPCL fuel and LPG spends (equivalent to 5% savings), plus 1.5% savings thr... | 499 | 499 | 30X Reward Points on Grocery & Utility and HPCL Fuel & LPG spends |
| ICICI Bank HPCL Coral Credit Card | Savings of up to 3.5% on fuel purchases at HPCL petrol pumps through cashback and fuel surcharge wai... | 199 | 199 | Up to 3.5% on fuel purchases at HPCL pumps |
| ICICI HPCL Super Saver Credit Card | Offers up to 5% cashback on fuel purchases at HPCL petrol pumps, including 4% cashback, 1% fuel surc... | 500 | 500 | 5% cashback on fuel purchases at HPCL outlets |
| HPCL Bank of Baroda Energie Credit Card | Up to 5% savings on fuel and LPG purchases at HPCL outlets; 24 Reward Points per Rs. 150 spent on fu... | 499 | 499 | Up to 6.5% on HPCL fuel spends |
Best Credit Cards for Indian Oil Petrol Pumps
Best Credit Cards for IndianOil Petrol Pumps
| Title | Description | Annual Fee | Joining Fee | Fuel Rewards |
|---|---|---|---|---|
| IndianOil HDFC Bank Credit Card | Earn 5% fuel points on spends at IndianOil outlets, up to 50 litres of free fuel annually, with a ma... | 500 | 500 | 5% fuel points on IndianOil fuel, groceries, and bill payments |
| IndianOil Axis Bank Premium Credit Card | 5% value-back on Indian Oil fuel spends (4% value back on IOCL fuel spends) plus 1% unlimited fuel s... | 1000 | 1000 | 5% value-back on Indian Oil fuel spends |
| Indian Oil Axis Bank Credit Card | 4% value-back on fuel spends at Indian Oil outlets, 1% fuel surcharge waiver up to Rs. 50 per statem... | 500 | - | 4% value-back on fuel spends |
Best Credit Cards for Bharat Petroleum Petrol Pumps
Best Credit Cards for Bharat Petroleum Petrol Pumps
| Title | Description | Annual Fee | Joining Fee | Fuel Rewards |
|---|---|---|---|---|
| BPCL SBI Credit Card | Get 4.25% value back on fuel purchases at BPCL petrol pumps with 13X reward points plus 1% fuel surc... | 499 | 499 | 4.25% value back on fuel purchases (BPCL SBI Card), 6.25% value back on fuel purchases (Octane variant) |
| BPCL SBI Card Octane | Earn 25X reward points on fuel purchases at BPCL outlets, plus a 1% fuel surcharge waiver on transac... | 1499 | 1499 | Not applicable |
Top Fuel Credit Cards by Banks in India
Let’s quickly look at your options in detail + how major banks in India are handling fuel benefits, as of February 2026.
Top Fuel Cards by HDFC Bank
HDFC revised its policy in July 2025, adding a 1% fee on monthly fuel spends beyond ₹15,000 for regular cards. That means you need to plan your refuels smartly.
The IndianOil HDFC Bank Credit Card is still one of the easiest to use. You earn instant rewards using your PayZapp or SmartPay link, and redemption is seamless. The HDFC Diners Club Privilege also offers decent fuel waivers up to set caps.
Other Popular Choices: HDFC Diners Club Privilege, MoneyBack Plus.
Top Fuel Credit Cards by HDFC Bank
| Title | Description | Annual Fee | Joining Fee |
|---|---|---|---|
| Shoppers Stop HDFC Credit Card | The card offers a 1% fuel surcharge waiver on fuel transactions. | 299 | 299 |
| Paytm HDFC Select Credit Card | 1% fuel surcharge waiver on all fuel purchases of Rs.400 and above, capped at Rs.500 per statement c... | 1000 | 1000 |
| Paytm HDFC Bank Credit Card | 1% fuel surcharge waiver on all fuel transactions above Rs. 250 or Rs. 400, credited back to the acc... | 149 | 149 |
| HDFC Bank MoneyBack Plus Credit Card | 1% fuel surcharge waiver on fuel transactions with minimum transaction of ₹400 and maximum waiver of... | 500 | 500 |
| IndianOil HDFC Bank Credit Card | Earn 5% fuel points on spends at IndianOil outlets, up to 50 litres of free fuel annually, with a ma... | 500 | 500 |
| HDFC Freedom Credit Card | 1% fuel surcharge waiver capped at Rs. 250 per statement cycle on minimum transaction of Rs. 400 and... | 500 | 500 |
| Shoppers Stop Black HDFC Bank Credit Card | 1% waiver on fuel surcharge up to Rs. 500 when used at any fuel station in India. | 4500 | 4500 |
| Paytm HDFC Select Business Credit Card | 1% Fuel Surcharge Waiver on fuel transactions between Rs. 400 and Rs. 5,000 with a maximum waiver ca... | 1000 | 1000 |
| Paytm HDFC Business Credit Card | The Paytm HDFC Bank Select Business Credit Card offers a 1% fuel surcharge waiver on fuel transactio... | 500 | 500 |
| Tata Neu Infinity HDFC Bank Credit Card | 1% fuel surcharge waiver on petrol transactions between ₹400–₹5,000, max waiver ₹500 per billing cyc... | 1499 | 1499 |
| Flipkart Wholesale HDFC Bank Credit Card | 1% fuel surcharge waiver on fuel transactions at all fuel stations across India with minimum transac... | 499 | - |
| PhonePe HDFC Bank Ultimo Credit Card | Fuel surcharge waiver of 1% on all fuel transactions; however, no reward points are given on fuel tr... | 999 | 999 |
| HDFC Bank Pixel Play Credit Card | 1% fuel surcharge waiver on fuel transactions (minimum transaction of ₹400, maximum ₹5,000, maximum ... | 500 | 500 |
| Tata Neu Plus HDFC Credit Card | 1% fuel surcharge waiver on fuel transactions up to Rs. 5000 per month. | 499 | 499 |
| HDFC Bank Pixel Go Credit Card | 1% fuel surcharge waiver on fuel transactions (minimum transaction of ₹400, maximum transaction of ₹... | 250 | 250 |
| PhonePe HDFC Bank Uno Credit Card | Provides 1% fuel surcharge waiver on fuel transactions made using the card. | 499 | 499 |
| HDFC Giga Business Credit Card | Offers 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000. | 500 | 500 |
Top Fuel Cards by SBI Card
SBI hasn’t made major changes to its fuel policy recently. Reward caps and waivers remain steady.
The SBI Card BPCL Octane earns high value at BPCL outlets, while the SBI SimplySAVE still appeals for average fuel users.
Popular choices: BPCL SBI Card Octane, SBI SimplySAVE, SBI IRCTC Card (includes small waivers on travel-linked fuel spends).
Top Fuel Credit Cards by SBI Bank
| Title | Description | Annual Fee | Joining Fee |
|---|---|---|---|
| Mumbai Metro SBI Card | 1% fuel surcharge waiver on all petrol pumps across India. | 499 | 499 |
| SBI Unnati Credit Card | 1% fuel surcharge waiver on fuel spends between Rs. 500 and Rs. 3,000, with a maximum waiver of Rs. ... | 499 | - |
| IRCTC SBI Card Premier | Fuel surcharge waiver of 1% on fuel transactions. | 1499 | 1499 |
| Aditya Birla SBI Card | Maximum fuel surcharge waiver of Rs. 100 per statement cycle per credit card account; 1% fuel surcha... | 499 | 499 |
| Reliance SBI Card | 1% fuel surcharge waiver on transactions between Rs. 500 and Rs. 4,000 with a maximum waiver of Rs. ... | 499 | 499 |
| Delhi Metro SBI Credit Card | 1% fuel surcharge waiver on all fuel transactions at all fuel stations across India. | 500 | 500 |
| TATA Neu Plus SBI Credit Card | 1% fuel surcharge waiver on transactions between Rs. 500 and Rs. 4,000, capped at Rs. 250 per month. | 499 | 499 |
| Paytm SBI Credit Card Select | 1% fuel surcharge waiver on transactions between Rs. 500 and Rs. 4000, with a maximum waiver of Rs. ... | 1499 | 1499 |
| Paytm SBI Credit Card | 1% Fuel surcharge waiver on transactions between Rs.500 and Rs.3,000 with a maximum waiver of Rs.100... | 1499 | 1499 |
| SBI Lifestyle Home Centre Credit Card | Fuel surcharge waiver available on Lifestyle Home Centre SBI Card and Lifestyle Home Centre SBI Card... | 499 | 499 |
| Apollo SBI Credit Card | 1% fuel surcharge waiver on transactions between Rs. 500 to Rs. 4,000 at any petrol pump across Indi... | 1499 | 1499 |
| Max SBI Card Select | 1% fuel surcharge waiver on transactions between Rs. 500 to Rs. 3,000 across all petrol pumps in Ind... | 1499 | 1499 |
| SBI Lifestyle Home Centre Prime Credit Card | Fuel surcharge waiver is available on the Lifestyle Home Centre SBI Card PRIME. | 2999 | 2999 |
| Titan SBI Credit Card | 1% fuel surcharge waiver on transactions between Rs 500 to Rs 3,000, max Rs 100 per billing statemen... | 2999 | 2999 |
| SBI Miles Credit Card | The card offers a 1% fuel surcharge waiver on transactions between Rs. 500 and Rs. 4,000, with a max... | 1499 | 1499 |
| Natures Basket SBI Card Elite | 1% fuel surcharge waiver on transactions between Rs. 500 to Rs. 4,000 at all petrol pumps in India, ... | 4999 | 4999 |
| Tata Neu Infinity SBI Credit Card | The card provides a 1% fuel surcharge waiver across all petrol pumps in India on transactions from R... | 1499 | 1499 |
| Apollo SBI Card SELECT | 1% fuel surcharge waiver on every transaction between Rs. 500 to Rs. 4,000 at any petrol pump across... | 1499 | 1499 |
| BPCL SBI Credit Card | Get 4.25% value back on fuel purchases at BPCL petrol pumps with 13X reward points plus 1% fuel surc... | 499 | 499 |
| Aditya Birla SBI Card Select | Fuel surcharge waiver of 1% across all petrol pumps in India on transactions up to Rs. 3,000 (maximu... | 1499 | 1499 |
| Cashback SBI Credit Card | 1% Fuel Surcharge Waiver across all Petrol Pumps in India on fuel transaction amount ranging from Rs... | 999 | 999 |
| SBI Elite Credit Card | 1% fuel surcharge waiver on transactions between Rs. 500 to Rs. 4,000 at petrol pumps, with a maximu... | 4999 | 4999 |
| SBI Prime Credit Card | Fuel surcharge waiver is offered as part of the card benefits. | 2999 | 2999 |
| Krisflyer SBI Card Apex | 1% fuel surcharge waiver across all petrol pumps in India on fuel transactions ranging from Rs. 500 ... | 9999 | 9999 |
| PhonePe SBI Purple Credit Card | The card offers 1% fuel surcharge waiver across all petrol pumps in India on transactions between ₹5... | 499 | 499 |
| Phonepe SBI Select Black Credit Card | Maximum fuel surcharge waiver of Rs. 250 per statement cycle; 1% fuel surcharge waiver on fuel trans... | 1499 | 1499 |
| SBI Card Miles Elite | 1% fuel surcharge waiver on transactions between Rs. 500 and Rs. 4,000 with a maximum waiver of Rs. ... | 4999 | 4999 |
| SBI Card Miles Prime | 1% fuel surcharge waiver on transactions between Rs. 500 and Rs. 4,000, with a maximum waiver of Rs.... | 2999 | 2999 |
| BPCL SBI Card Octane | Earn 25X reward points on fuel purchases at BPCL outlets, plus a 1% fuel surcharge waiver on transac... | 1499 | 1499 |
| Krisflyer SBI Credit Card | 1% Fuel Surcharge Waiver across all petrol pumps in India on fuel transaction amounts ranging from R... | 2999 | 2999 |
| Reliance SBI Prime Card | 1% fuel surcharge waiver on transactions between Rs. 500 and Rs. 4,000, with a maximum fuel surcharg... | 2999 | 2999 |
| SBI SimplyCLICK Credit Card | 2.5% fuel surcharge waiver across all petrol pumps. | 499 | 499 |
| SBI Card Pulse Credit Card | 1% fuel surcharge waiver on transactions between Rs. 500 and Rs. 4,000, maximum waiver Rs. 250 per s... | 1499 | 1499 |
| SBI Aurum Credit Card | Freedom from paying 1% fuel surcharge across all petrol pumps in India on transactions between ₹500 ... | 9999 | 9999 |
Top Fuel Cards by ICICI Bank
ICICI revised its waiver caps: fuel surcharge waived only up to ₹50,000 a month, with a fee for higher spends.
The HPCL Super Saver ICICI Bank Credit Card continues to be their best for fuel benefits, especially through the HP Pay app.
Other popular choices: Amazon Pay ICICI (for incidental fuel spends), ICICI Platinum Chip Card.
Top Fuel Credit Cards by ICICI Bank
| Title | Description | Annual Fee | Joining Fee |
|---|---|---|---|
| ICICI Bank HPCL Coral Credit Card | Savings of up to 3.5% on fuel purchases at HPCL petrol pumps through cashback and fuel surcharge wai... | 199 | 199 |
| ICICI Bank Expressions Credit Card | Enjoy a 1% fuel surcharge waiver at HPCL pumps for transactions up to ₹4,000. | 499 | 499 |
| MakeMyTrip ICICI Bank Credit Card | 1% fuel surcharge waiver on transactions up to Rs. 4,000 at HPCL fuel pumps (applicable for MakeMyTr... | 999 | 999 |
| ICICI Bank Sapphiro Credit Card | Fuel surcharge waiver automatically applied on eligible fuel transactions using the card. | 3500 | 6500 |
| Amazon Pay ICICI Bank Credit Card | Provides 1% cashback on fuel transactions as part of general category cashback. | - | - |
| ICICI Bank Platinum Chip Credit Card | 1% fuel surcharge waiver is available at HPCL petrol pumps on fuel transactions worth Rs. 400 to Rs.... | - | - |
| Adani One Signature Credit Card | Earn 7% Adani reward points on Adani One ecosystem purchases including Adani CNG pumps; fuel spends ... | 5000 | 5000 |
| Adani One ICICI Bank Platinum Credit Card | Fuel surcharge waiver is available on the card. | 750 | 750 |
| ICICI HPCL Super Saver Credit Card | Offers up to 5% cashback on fuel purchases at HPCL petrol pumps, including 4% cashback, 1% fuel surc... | 500 | 500 |
| ICICI Bank Rubyx Credit Card | Fuel surcharge waiver is available on fuel transactions. | 2000 | 3000 |
| ICICI Bank Coral Credit Card | Offers a 1% fuel surcharge waiver on monthly fuel spends of ₹5,000 and above, making fuel purchases ... | 500 | 500 |
Top Fuel Cards by Axis Bank
Axis Bank hasn’t altered its fuel rules lately, but the IndianOil Axis Bank Credit Card continues to perform well at partnered stations.
Other Popular Choices: Flipkart Axis Bank Card (modest waiver), Axis Ace Card.
Top Fuel Credit Cards by Axis Bank
| Title | Description | Annual Fee | Joining Fee |
|---|---|---|---|
| Samsung Axis Bank Infinite Credit Card | Fuel surcharge waiver of 1% on fuel transactions. | 5000 | 5000 |
| Axis Bank Miles & More Credit Card | The card has a variety of deals for gasoline expenses as mentioned in the features and benefits. | 3500 | 3500 |
| Axis Bank My Wings Credit Card | Fuel surcharge waiver on all fuel stations across India for transactions between Rs. 400 to Rs. 4000... | 500 | 1200 |
| Axis Bank Horizon Credit Card | 1% fuel surcharge waiver on transactions between Rs. 400 and Rs. 5,000, capped at Rs. 400 per month. | 3000 | 3000 |
| Axis Bank Privilege Credit Card | 1% fuel surcharge waiver on transactions between Rs. 400 and Rs. 4,000 at all fuel stations in India... | 1500 | 1500 |
| Axis Bank Freecharge Plus Credit Card | 1% fuel surcharge waiver at all fuel stations when paying with the card. | 350 | 350 |
| Axis Bank Ace Credit Card | 1% fuel surcharge waiver on transactions between Rs. 400 and Rs. 4,000, capped at Rs. 500 per statem... | 499 | 499 |
| Airtel Axis Bank Credit Card | 1% fuel surcharge waiver at all fuel stations in India, applicable for transactions between INR 400 ... | 500 | 500 |
| SpiceJet Axis Bank Voyage Credit Card | The SpiceJet Axis Bank Voyage Black Credit Card provides a 1% fuel surcharge waiver. | 750 | - |
| Fibe Axis Bank Rupay Credit Card | 1% fuel surcharge waiver on fuel spends between ₹400 and ₹5,000, up to ₹400 per billing cycle. | - | - |
| Axis Bank Shoppers Stop Credit Card | 1% fuel surcharge waiver on all fuel transactions between ₹400 to ₹5000, with a maximum cap of ₹400 ... | 500 | 500 |
| SpiceJet Axis Bank Voyage Black Credit Card | 1% fuel surcharge waiver on transactions between Rs. 400 to Rs. 4,000, maximum Rs. 400 per month. | 2000 | - |
| IndianOil Axis Bank Premium Credit Card | 5% value-back on Indian Oil fuel spends (4% value back on IOCL fuel spends) plus 1% unlimited fuel s... | 1000 | 1000 |
| Axis Bank Neo Credit Card | 1% fuel surcharge waiver at all fuel stations in India. | 250 | - |
| Axis Bank Pride Signature Credit Card | 1% fuel surcharge waiver on all fuel transactions in India; also mentioned 2% fuel surcharge waiver ... | 500 | - |
| Axis Bank Platinum Credit Card | 1% fuel surcharge waiver on all fuel transactions in India with a maximum benefit of Rs. 400 per mon... | 200 | 500 |
| Axis Bank Pride Platinum Credit Card | 1% fuel surcharge waiver on all fuel transactions in India with the card, up to Rs. 250 per month fo... | 250 | - |
| Axis Bank Titanium Smart Traveler Credit Card | 1% fuel surcharge waiver on all fuel transactions in India with a maximum of Rs. 400 per month. | 100 | 250 |
| Axis Bank Select Credit Card | 1% fuel surcharge waiver on fuel spends between Rs. 400 and Rs. 4,000, up to Rs. 400 per statement c... | 3000 | 3000 |
| Flipkart Axis Bank Credit Card | Fuel surcharge waiver is offered as part of the card benefits. | 500 | 500 |
| Axis Bank My Zone Credit Card | 1% fuel surcharge waiver on all fuel transactions in India, refunded for fuel transactions between R... | - | - |
| Indian Oil Axis Bank Credit Card | 4% value-back on fuel spends at Indian Oil outlets, 1% fuel surcharge waiver up to Rs. 50 per statem... | 500 | - |
| LIC Platinum Credit Card | 1% fuel surcharge waiver at all fuel pumps in India for transactions between Rs 400 and Rs 4,000, ca... | - | - |
| LIC Signature Credit Card | 1% fuel surcharge waiver on fuel purchases at all fuel stations in India for transactions between Rs... | - | - |
| Samsung Axis Bank Signature Credit Card | 1% fuel surcharge waiver on fuel transactions ranging from ₹400 to ₹4,000 across fuel stations in In... | 500 | 500 |
| Axis Supermoney Rupay Credit Card | 1% waiver on fuel surcharge for transactions between ₹400 and ₹4,000, with a maximum waiver of ₹400 ... | - | - |
| Axis Bank Executive Corporate Credit Card | 1% refund on fuel transactions between ₹400 - ₹4000 with a maximum cap of ₹400 per month; no reward ... | 3500 | 3500 |
| Axis Bank Magnus Credit Card | 1% fuel surcharge waiver with a cap of Rs. 400 per month. | 12500 | 12500 |
Top Fuel Cards by Kotak Bank
Kotak started applying a 1% fee if your monthly fuel spends cross a set limit. Within normal usage, fuel surcharge waiver still applies.
Their Kotak PVR Platinum Credit Card and Kotak Royale Signature remain steady performers for moderate users.
Other Popular Choices: Kotak Royale Signature, Kotak Mojo Platinum, Kotak Essentia Platinum.
Top Fuel Credit Cards by Kotak Bank
| Title | Description | Annual Fee | Joining Fee |
|---|---|---|---|
| Kotak Bank Fortune Gold Card | 1% fuel surcharge waiver on transactions between Rs 500 and Rs 3000. | - | - |
| Kotak Royale Signature Credit Card | Annual fuel surcharge waiver up to Rs. 3,500 is available on fuel transactions between Rs. 500 and R... | 999 | 1499 |
| Kotak White Signature Credit Card | Offers 1% fuel surcharge waiver on all petroleum purchases in India. | 3000 | 3000 |
| Kotak 811 Dreamdifferent Credit Card | Provides 1% fuel surcharge waiver with a maximum waiver of Rs. 3,500 per year. | 250 | - |
| Kotak Veer Select Credit Card | Fuel surcharge waiver available as part of benefits. | 599 | - |
| Kotak Zen Signature Credit Card | 1% fuel surcharge waiver on fuel transactions between Rs. 500 and Rs. 3,000. No reward points earned... | 1500 | 1500 |
| Kotak White Reserve Credit Card | Fuel surcharge waiver of 1% for transactions between Rs 400 and Rs 4000, capped at Rs 4500 per calen... | 12500 | 12500 |
| Kotak Veer Platinum Credit Card | 1% fuel surcharge waiver across fuel stations. | 299 | - |
| Kotak League Platinum Credit Card | Fuel surcharge waiver up to Rs. 3500 annually. However, no reward points are earned on fuel transact... | 499 | 499 |
| Kotak Mojo Platinum Credit Card | 1% fuel surcharge waiver at petrol pumps in India and fuel surcharge waiver benefits included. | 1000 | 1000 |
| Kotak Air+ Credit Card | 1% fuel surcharge waiver, up to Rs. 4,500 per year, on fuel spends between Rs. 400 to Rs. 7,500. | 3000 | 3000 |
| Kotak Cashback+ Credit Card | 3% cashback on fuel spends across all fuel stations with 1% fuel surcharge waiver for transactions b... | 750 | 750 |
Top Fuel Cards by RBL Bank
No dramatic changes for RBL fuel structure recently. The RBL Platinum Delight gives periodic cash savings and decent reward rates when used through specific pumps.
Other popular choices: RBL ShopRite, RBL Insignia Preferred.
Top Fuel Credit Cards by RBL Bank
| Title | Description | Annual Fee | Joining Fee |
|---|---|---|---|
| RBL Bank Monthly Treats Credit Card | 1% fuel surcharge waiver applicable at all fuel stations nationwide for fuel transactions between Rs... | 50 | 50 |
| RBL Bank Titanium Delight Card | No fuel surcharge waiver at all fuel stations; fuel surcharge waiver on fuel spends up to Rs. 4,000 ... | 750 | 750 |
| RBL Bank Popcorn Credit Card | Waiver of fuel surcharge up to INR 100 each month on transactions between INR 500 and INR 4,000; pet... | 1000 | 1000 |
| RBL Bank Icon Credit Card | Fuel surcharge waiver applicable on fuel purchases up to Rs. 10,000 per month. | 5000 | 5000 |
| RBL World Safari Credit Card | Fuel surcharge waiver of 1% on all fuel transactions between Rs. 500 and Rs. 4,000 at all fuel stati... | 3000 | 3000 |
| RBL Bank Insignia Prefered Banking World Card | The card offers a fuel surcharge waiver as part of its benefits. | 7000 | 7000 |
| RBL Bank Shoprite Credit Card | 1% fuel surcharge waiver at all fuel stations in India on transactions between ₹500 to ₹4,000 monthl... | - | - |
| RBL Bank Cookies Credit Card | Fuel surcharge waiver up to Rs. 150 per month on fuel transactions between Rs. 500 and Rs. 4,000. | 100 | 100 |
| RBL Bank Platinum Maxima Card | Earn 10 reward points for every Rs. 100 spent on fuel. Fuel surcharge of 2.5% applies with a minimum... | 2500 | 2500 |
| RBL Platinum Delight Credit Card | Fuel surcharge waiver on fuel spends up to Rs.4,000 every month with a maximum waiver of Rs.150 per ... | 1000 | 1000 |
| BookMyShow RBL Bank Play Credit Card | Get a 1% fuel surcharge waiver on fuel transactions between Rs. 500 and Rs. 4000, capped at Rs. 100 ... | 500 | 500 |
Top Fuel Cards by IDFC First Bank
IDFC cards continue their zero fee approach. You get 1% waiver on fuel up to ₹200 per month, which is average and standard.
Popular choices: IDFC FIRST Classic, IDFC FIRST Millennia, IDFC FIRST Select.
Top Fuel Cards by IndusInd Bank
The IndusInd Legend Credit Card is often favored for its universal waiver cap and simple redemption system.
Other popular choices: IndusInd Iconia, IndusInd Pinnacle.
Top Fuel Credit Cards by Indusin Bank
| Title | Description | Annual Fee | Joining Fee |
|---|---|---|---|
| IndusInd Bank Platinum Credit Card | 1% fuel surcharge waiver on transactions between Rs. 400 to Rs. 4000 at all petrol pumps in India; f... | - | - |
| IndusInd Platinum Aura Edge Credit Card | Fuel surcharge waiver of 1% on fuel purchases up to ₹10,000 per month, with a maximum waiver amount ... | - | - |
| IndusInd Bank Avios Visa Infinite Credit Card | 1% fuel surcharge waiver on fuel transactions. | 5000 | 10000 |
| Indusind Bank Legend Credit Card | 1% fuel surcharge waiver on transactions between Rs. 500 to Rs. 3,000 capped at Rs. 100 per month, w... | - | - |
| IndusInd Nexxt Credit Card | Fuel surcharge waiver is applicable on minimum fuel transactions of ₹400 and maximum of ₹4,000, prov... | - | 10000 |
| IndusInd Bank Pioneer Heritage Credit Card | Fuel surcharge waiver available on fuel transactions. | 25000 | 100000 |
| Eazydiner Indusind Bank Signature Credit Card | 1% waiver on surcharge applicable on fuel purchases between ₹500 and ₹3,000, capped at ₹250 per stat... | 2999 | 2999 |
Top Fuel Cards by American Express
From June 2025, American Express stopped giving reward points on fuel spends for its Gold Charge Card. Still, waivers apply for select pumps. Premium cardholders might find limited benefits on small spends.
Other popular choices: Amex Gold Card (waiver only), Amex Platinum Travel Card (mild cashback via statement credits).
Top Fuel Credit Cards by American Express
| Title | Description | Annual Fee | Joining Fee |
|---|---|---|---|
| American Express Gold Corporate Card | The American Express Gold Corporate Card offers a fuel surcharge waiver at specific fuel stations, a... | 4500 | 1000 |
| American Express SmartEarn Credit Card | Offers a 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000. No Membership Rewards Poi... | 495 | 495 |
| American Express Platinum Reserve Credit Card | 0% convenience fee on fuel purchases at HPCL stations for transactions below Rs. 5,000; 1% convenien... | 10000 | 10000 |
Top Fuel Cards by Yes Bank
Yes Bank had lowered its fuel surcharge caps earlier in 2024, and those limits still stand. For many, the Yes Prosperity Edge is enough for day-to-day fuel expenses.
Other popular choices: Yes First Exclusive, Yes Private Card.
Top Fuel Credit Cards by Yes Bank
| Title | Description | Annual Fee | Joining Fee |
|---|---|---|---|
| Yes Bank Rupay Credit Card | Get a 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000, with the maximum benefit cap... | 399 | - |
| YES BANK BYOC Credit Card | The card offers a fuel waiver benefit, allowing savings on fuel purchases as part of its customizabl... | 249 | 249 |
| YES Bank Marquee Credit Card | 1% fuel surcharge waiver of up to Rs. 1,000 per month on fuel transactions between Rs. 400 and Rs. 5... | 4999 | 9999 |
| Yes FIRST Preferred Credit Card | 1% fuel surcharge waiver at all fuel stations across India for transactions between INR 400 to INR 5... | 999 | 999 |
Top Fuel Cards by AU Small Finance Bank
AU Bank keeps its surcharge waiver linear across cards. Cashback remains capped but transparent. Their AU LIT Credit Card lets you enable the fuel category manually for a small fee.
Other popular choice: AU Zenith Credit Card.
Top Fuel Credit Cards by AU Small Finance Bank
| Title | Description | Annual Fee | Joining Fee |
|---|---|---|---|
| AU Bank Altura Credit Card | 1% fuel surcharge waiver on transactions between Rs. 400 and Rs. 5,000 at all fuel stations in India... | 199 | 199 |
| AU Bank Business Cashback RuPay Credit Card | 1% fuel surcharge waiver for transactions between INR 400 to INR 5,000 across all fuel stations in t... | 1188 | 1188 |
| AU Bank Zenith Credit Card | 1% waiver on the fuel surcharge when buying fuel at any fuel station in India; unlimited fuel surcha... | 7999 | 7999 |
| AU Nomo Credit Card | Provides a 1% fuel surcharge waiver at Indian fuel pumps, giving money back on fuel expenses. | - | 199 |
| AU Bank Xcite Ultra Credit Card | 1% fuel surcharge refunded for transactions between Rs. 400 to Rs. 5,000, maximum Rs. 200 per month;... | 749 | 749 |
| ixigo AU Credit Card | Provides fuel surcharge discounts as part of travel-related features, helping save on everyday expen... | - | - |
| AU Bank LIT Credit Card | Get a 1% fuel surcharge waiver on fuel transactions ranging from INR 400 to INR 5,000. | - | - |
| InstaPay Credit Card | Provides fuel surcharge waiver as a basic benefit. | - | - |
| Altura Plus Credit Card | 1% fuel surcharge waiver on fuel transactions between ₹400 and ₹5000, with a maximum waiver of ₹150 ... | 499 | 499 |
| Xcite Credit Card | 1% fuel surcharge waiver on fuel purchases between Rs. 400 to Rs. 5,000, capped at Rs. 250 per month... | 249 | 249 |
| Xcite Ace Credit Card | 1% fuel surcharge waiver for fuel transactions between Rs 400 and Rs 5000, with a maximum waiver of ... | 749 | 749 |
Top Fuel Cards by Federal Bank
Federal Bank hasn’t brought any big policy changes lately. Like always fuel rewards remain capped, but their Federal Bank Signet provides useful cashback for modest spenders.
Good choices: Federal Bank Signet, Federal Bank Celesta.
Top Fuel Cards by Standard Chartered Bank
Standard Chartered runs limited-time petrol cashbacks tied to PayZapp usage. Their Super Value Titanium is still the crowd Pick for up to 5% cashback on fuel transactions. (Max cashback INR 100 per transaction).
Popular choices: Super Value Titanium, SC Manhattan Platinum.
Top Fuel Cards by Bank of Baroda
Bank of Baroda continues steady with the HPCL ENERGIE and HPCL BoB Easy Credit Card. Rewards are easy to calculate and redemption through HP Pay works fast.
Popular choices: HPCL ENERGIE Credit Card, HPCL BoB Easy.
Top Fuel Cards by HSBC Bank
HSBC hasn’t touched its fuel waiver rules lately. The HSBC Cashback Credit Card still offers a clean 1% deal on all fuel spends without complex limits.
Popular choices: HSBC Cashback, HSBC Smart Value.
Top Fuel Cards (Other Banks)
Most smaller or regional banks keep things simple: flat 1% surcharge waiver and no hidden tiered limits. You won’t find oversized perks, but these cards do their job quietly. DCB and IDBI Bank both maintain stable waiver structures.
Examples include: DCB Lifestyle Credit Card, IDBI Aspire Platinum, South Indian Bank SimplySAVE Card.
Top Fuel Credit Cards by Other Banks in India
| Title | Description | Annual Fee | Joining Fee |
|---|---|---|---|
| Utkarsh SmartGen Credit Card | Offers 1% surcharge refund on fuel transactions between ₹400 and ₹5,000, providing savings for regul... | 199 | - |
| Utkarsh Eternal Credit Card | 1% fuel surcharge waiver on transactions between Rs. 400 and Rs. 5,000. | 1999 | - |
| Utkarsh Small Finance Bank Super Credit Card | 1% fuel surcharge waiver for fuel transactions between Rs. 400 and Rs. 5,000 at all fuel stations in... | - | - |
| Standard Chartered Platinum Rewards Credit Card | Earn 5x reward points for every INR 150 spent on fuel with no monthly cap on rewards. | - | 250 |
| Standard Chartered Super Value Titanium Credit Card | 5% cashback on fuel bills at petrol pumps across India, capped at Rs 200 per month (Rs 100 per trans... | 750 | 750 |
| Standard Chartered Manhattan Credit Card | 1% fuel surcharge applicable on all fuel transactions; accelerated reward points on fuel purchases a... | 999 | 999 |
| Standard Chartered Ultimate Credit Card | 1% fuel surcharge waiver on fuel spends across all petrol pumps; however, no reward points are earne... | 5000 | 5000 |
| Slice Super Card | Fuel surcharge waiver of up to Rs. 200 per billing cycle on fuel transactions below Rs. 5,000 is ava... | - | - |
| PNB Global Platinum Credit Card | 1% fuel surcharge waiver across all fuel stations. | 500 | - |
| PNB RuPay Platinum Patanjali Credit Card | 1% fuel surcharge waiver on all fuel transactions. | 500 | - |
| PNB Global Gold Credit Card | Fuel surcharge waiver is provided for transactions at fuel stations across the country. | 300 | - |
| PNB Rupay Millennial Credit Card | Offers 1% fuel surcharge waiver on transactions between Rs. 500 and Rs. 3,000, capped at Rs. 250-350... | 999 | 399 |
| PNB RuPay Select Patanjali Credit Card | 1% fuel surcharge refunded for transactions between Rs. 500 to Rs. 4,000, maximum Rs. 250 per month. | 750 | 500 |
| KVB Corporate Credit Card | Get a fuel surcharge waiver of 2% when buying fuel at any fuel station in India using the KVB Corpor... | - | - |
| KVB Honour Credit Card | 1% fuel surcharge refund on transactions between Rs. 500 to Rs. 4,000, maximum Rs. 200 per month. | 999 | - |
| KVB Platinum Credit Card | 1% waiver on fuel surcharge for transactions at fuel stations across the country. | 599 | - |
| IDFC HPCL FIRST Power Credit Card | Up to 5% cashback on fuel spends at HPCL outlets; 21X Reward Points on HPCL fuel spends; ₹250 cashba... | 199 | 199 |
| IDFC HPCL FIRST POWER PLUS Credit Card | Earn 30X Reward Points on HPCL fuel and LPG spends (equivalent to 5% savings), plus 1.5% savings thr... | 499 | 499 |
| IDFC First Classic Credit Card | 1% fuel surcharge refunded for transactions between ₹200 to ₹5,000 with a maximum of ₹200 per month ... | - | - |
| IDFC First Ashva Credit Card | No reward points on fuel spends, but a 1% fuel surcharge waiver on fuel transactions between Rs. 200... | 2999 | 2999 |
| IDFC First Wealth Credit Card | Fuel surcharge waiver is available on fuel transactions. | - | - |
| IDFC First WOW Credit Card | The card offers a fuel surcharge waiver, allowing savings on fuel purchases. | - | - |
| IDBI Bank Imperium Platinum Credit Card | 1% fuel surcharge waiver on transactions between Rs. 400 to Rs. 4,000 at all fuel stations, with a m... | 499 | 499 |
| IDBI Euphoria World Credit Card | Waiver of 1% fuel surcharge on fuel transactions between Rs.400 to Rs.5000, maximum waiver up to Rs.... | 1499 | - |
| IDBI Bank Aspire Platinum Credit Card | Waiver of 1% fuel surcharge on transactions between Rs 400 to Rs 4000 at all fuel stations, with a m... | - | - |
| IDBI Bank Royale Signature Credit Card | 1% waiver on fuel surcharge for transactions between Rs. 400 to Rs. 5,000 at all fuel stations, with... | - | - |
| LIC Lumine Credit Card | 1% fuel surcharge waiver on transactions of Rs. 400 onwards at all fuel stations across India, with ... | - | - |
| LIC Eclat Credit Card IDBI Bank | Waiver of 1% fuel surcharge on transactions of Rs. 400 and above at all fuel stations. | - | - |
| HSBC Rupay Platinum Credit Card | Annual savings of up to INR 3,000 on fuel surcharges with a fuel surcharge waiver on fuel transactio... | - | - |
| HSBC Live+ Credit Card | Offers up to 5% cashback on fuel purchases at Caltex and Shell in Singapore, with fuel savings up to... | 999 | 999 |
| HSBC Visa Platinum Credit Card | ₹250 cashback on contactless fuel payments up to ₹10,000 per quarter; fuel surcharge waiver up to ₹3... | - | - |
| Federal Bank Imperio Credit Card | 1% fuel surcharge waiver on all fuel transactions with waiver on spends between Rs.400 to Rs.5000 on... | 1500 | 1500 |
| Canara Bank Rupay Classic Credit Card | Cardholders receive a 1% fuel surcharge waiver for transactions ranging from ₹400 to ₹5,000 across a... | - | - |
| Canara Bank Mastercard Platinum Credit Card | 1% fuel surcharge waiver provided to cardholders on fuel transactions. | - | - |
| Canara Bank Mastercard World Credit Card | Provides a 1% fuel surcharge waiver on fuel transactions with a minimum charge of ₹10 plus applicabl... | - | - |
| BOB Empower Credit Card | Fuel surcharge waiver is provided; however, reward points are not earned on fuel transactions. | 500 | - |
| Bank of Baroda Select Credit Card | Fuel surcharge waiver is offered on fuel purchases with the Bank of Baroda Select Credit Card, along... | 750 | 750 |
| BOB CMA One Credit Card | 1% fuel surcharge waiver on fuel transactions between ₹400 and ₹5,000, capped at ₹250 per month. | - | 1 |
| BoBcard Tiara Credit Card | Fuel surcharge waiver available. | 2499 | 2499 |
| HPCL Bank of Baroda Energie Credit Card | Up to 5% savings on fuel and LPG purchases at HPCL outlets; 24 Reward Points per Rs. 150 spent on fu... | 499 | 499 |
FAQs
1. How does a fuel surcharge waiver actually work?
When you pay for fuel with your credit card, banks usually levy a 1% surcharge. A waiver means that percentage is refunded or not charged for spends within set limits.
2. Do all petrol pumps qualify?
No. Typically, only IOC, BPCL, and HPCL outlets count for extra discounts. Private stations like Shell, Nayara, and others may not always qualify for rewards.
3. Can fuel spends earn reward points too?
Not always. Many banks exclude fuel from earning points even if they waive surcharges. Check your card’s terms regularly; these rules keep changing.
4. Is a fuel credit card better than a cashback card?
Depends on your monthly fuel use. If you drive daily and spend above ₹5,000 on petrol or diesel, a fuel card helps. For light users, a general cashback card might be simpler.
Remember, fuel rewards are not as generous as they used to be, but they still add up if you use the right card. Each bank keeps tweaking policies, so don’t just pick one and forget about it.
I update my short list every few months, and that habit alone saves me a good few hundred rupees in a year. Stay curious, check your waiver caps often, and remember: real savings come from understanding your own fuel pattern, not chasing every new shiny card deal.
About the Author
Anmol
Anmol writes detailed blogs and content about credit cards available in India and how to take full advantage of credit cards while avoiding marketing noise.