CardAgent

Best credit cards for fuel in India (2026)

Cards ranked by effective fuel savings — earn rate plus 1% fuel surcharge waiver, capped and uncapped. IOCL / HPCL / BPCL co-branded cards included.

  1. 1
    HDFC Bank
    HDFC Bharat Cashback Credit Card
    5% on FuelCap ₹250/mo₹590/yr incl. GST
    5% cashback on fuel, min Rs 400 transaction; DISCONTINUED card
    44
  2. 2
    American Express
    Amex Platinum Card (Charge)
    5% on FuelCap ₹2,500/mo₹77,880/yr incl. GST
    5X points on fuel, capped at 5,000 pts/month
    39
  3. 3
    RBL Bank
    RBL Bank IndianOil XTRA
    3.75% on FuelCap ₹2,000/mo₹1,770/yr incl. GST
    15 pts/Rs100 at IndianOil stations, capped 2,000pts/month
    35
  4. 4
    RBL Bank
    RBL IndianOil XTRA Credit Card
    3.75% on FuelCap ₹2,000/mo₹1,770/yr incl. GST
    15 pts/Rs100 at IndianOil stations, capped 2,000pts/month
    27
  5. 5
    Kotak Mahindra Bank
    Kotak Cashback+ Credit Card
    3% on FuelCap ₹500/mo₹885/yr incl. GST
    Combined cap with grocery/food delivery/entertainment; any petrol brand
    49
  6. 6
    Axis Bank
    Axis Prestige Debit Card
    2% on FuelCap ₹200/mo₹590/yr incl. GST
    2% cashback on fuel purchases above Rs 1000
    29
  7. 7
    SBI Card
    BPCL SBI Card OCTANE
    1.56% on FuelCap ₹625/mo₹1,769/yr incl. GST
    25 points per Rs 100 at BPCL stations = 6.25% actual value; capped 2,500 points/billing cycle; plus separate 1% surcharge waiver applies at ALL fuel stations
    38
  8. 8
    HSBC India
    HSBC Live+ Credit Card
    1.5% on Fuel₹1,179/yr incl. GST
    78

How we rank

We compute an effective % back for each card's Fuel reward rule as rate × point value, cap-aware, and rank by that number. Ties are broken by the CardAgent overall score, which weighs reward value (70%), fee efficiency (12%), redemption flexibility (9%), and perks (9%). All fees are shown inclusive of 18% GST. See methodology and full catalog.

FAQ

What is a fuel surcharge waiver?

A 1% surcharge is added to all fuel transactions; most credit cards waive this up to a monthly cap (usually ₹250–₹500). It effectively adds 1% to your reward rate.

Which co-branded fuel card is best?

BPCL SBI Octane (7.25% on BPCL), IOCL HDFC Bank RuPay (5% on IOCL), and IndianOil Axis Bank Premium — all with monthly caps shown above.

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