FUEL CREDIT CARDS
Best Fuel Credit Cards
in India
Compare fuel surcharge waivers, reward rates, and annual fees across India's top fuel credit cards. Find the perfect card to maximize your savings at the pump — updated August 2026.
7Cards Compared
7.3%Max Value Back
₹250Max Surcharge Saved/mo
Sort by fuel value, fees, or surcharge savings to find your best match
SBI
BPCL OCTANE
Best ChoiceBPCL only
Value Back
7.25%
Annual Fee
₹1k
Waived at ₹2.0L spend
Max Surcharge Saved
₹100/mo
Joining Fee
₹1k
IDFC
Power+
HPCL only
Value Back
5%
Annual Fee
₹499
Waived at ₹1.5L spend
Max Surcharge Saved
—
Joining Fee
₹499
HDFC
IndianOil
Any fuel outlet
Value Back
4.8%
Annual Fee
₹500
Waived at ₹50k spend
Max Surcharge Saved
₹250/mo
Joining Fee
₹500
Axis
IndianOil
Any fuel outlet
Value Back
4%
Annual Fee
₹500
Waived at ₹3.5L spend
Max Surcharge Saved
₹50/mo
Joining Fee
₹500
BOB
HPCL Energie
HPCL only
Value Back
4%
Annual Fee
₹499
Waived at ₹50k spend
Max Surcharge Saved
₹100/mo
Joining Fee
₹499
Kotak
IndianOil
IOCL only
Value Back
4%
Annual Fee
₹449
Waived at ₹50k spend
Max Surcharge Saved
₹100/mo
Joining Fee
₹449
SBI
BPCL
BPCL only
Value Back
3.25%
Annual Fee
₹499
Waived at ₹1.0L spend
Max Surcharge Saved
₹100/mo
Joining Fee
₹499
Fuel Surcharge Comparison
Side-by-side view of surcharge waiver terms across all fuel cards. Best values are highlighted.
| Card | Waiver % | Min Txn | Max Txn | Max Waiver / Cycle | Max / Year | Outlet | Earns Rewards |
|---|---|---|---|---|---|---|---|
IndianOil HDFC | 1% | ₹400 | ₹5,000 | ₹250 | — | Any fuel outlet | ✓ |
BPCL SBI | 1% | — | ₹4,000 | ₹100 | ₹1,200 | BPCL only | ✓ |
BPCL OCTANE SBI | 1% | — | ₹4,000 | ₹100 | ₹1,200 | BPCL only | ✓ |
HPCL Energie BOB | 1% | ₹400 | ₹5,000 | ₹100 | — | HPCL only | ✗ |
IndianOil Kotak | 1% | ₹100 | ₹5,000 | ₹100 | — | IOCL only | ✗ |
IndianOil Axis | 1% | ₹400 | ₹4,000 | ₹50 | — | Any fuel outlet | ✓ |
Power+ IDFC | 1% | — | — | — | — | HPCL only | ✓ |
Fuel Savings Calculator
Enter your monthly fuel spend to see how much each card saves you
₹5,000
₹500₹30,000
1
BPCL OCTANE
SBI
+₹3,451/yr
Surcharge ₹50/mo · Rewards ₹363/mo · Fee ₹1499/yr
2
Power+
IDFC
+₹3,101/yr
Surcharge ₹50/mo · Rewards ₹250/mo · Fee ₹499/yr
3
IndianOil
HDFC
+₹2,980/yr
Surcharge ₹50/mo · Rewards ₹240/mo · Fee ₹500/yr
4
IndianOil
Kotak
+₹2,551/yr
Surcharge ₹50/mo · Rewards ₹200/mo · Fee ₹449/yr
5
HPCL Energie
BOB
+₹2,501/yr
Surcharge ₹50/mo · Rewards ₹200/mo · Fee ₹499/yr
6
IndianOil
Axis
+₹2,500/yr
Surcharge ₹50/mo · Rewards ₹200/mo · Fee ₹500/yr
7
BPCL
SBI
+₹2,051/yr
Surcharge ₹50/mo · Rewards ₹163/mo · Fee ₹499/yr
💡 BPCL OCTANE gives you the highest net annual savings of ₹3,451 at ₹5,000/month fuel spend.* Estimates based on published card terms. Actual savings may vary.