Best Fuel Credit Cards in India
Most fuel value in India comes from the 1% surcharge waiver, not from headline reward rates. This shortlist records the waiver limit, the monthly cap and whether base rewards are excluded on fuel spend.
Cards below are ordered by recurring annual fee, then forex markup and product name—not by affiliate payout. “Best” means a relevant evidence-led shortlist; your personal winner requires wallet-level comparison.
Short answer
3 issuer-verified fuel credit cards are recorded by CardMasters as of 2026-08-04. Ordered by lowest recurring annual fee, the current shortlist starts with ICICI Bank HPCL Super Saver, IndianOil RBL Bank, BPCL SBI Card OCTANE. There is no single best card: the right one depends on your spending pattern, existing wallet, realistic redemption value and issuer approval fit.
Source: CardMasters issuer-evidence catalogue, release 2026-08-04. Confirm final terms with the issuer.
What to check before applying
- Check the per-transaction range and the monthly ceiling on the surcharge waiver.
- Confirm whether fuel spend earns rewards or only receives the surcharge waiver.
- Compare the fuel benefit against the annual fee at your real monthly fuel spend.
ICICI Bank HPCL Super Saver
₹500 + GST
2 ICICI Bank Reward Points per ₹100 on eligible retail spends
3.5%
Visa
Best suited to: fuel, bills utilities, commuter. Recorded exclusions: emi, cash advance, fees.
Review rewards, caps, fees and issuer evidence →IndianOil RBL Bank
₹500 + GST
1 Fuel Point per ₹100 on non-fuel spend; 10 Fuel Points per ₹100 at IndianOil fuel stations
3.5%
RuPay, Mastercard
Best suited to: fuel, iocl loyalists, commuter. Recorded exclusions: rent, wallet load, emi, non IOCL fuel.
Review rewards, caps, fees and issuer evidence →BPCL SBI Card OCTANE
₹1,499 + GST
1% in Reward Points
3.5%
Visa, RuPay
Best suited to: fuel, daily commuter. Recorded exclusions: fuel, wallet load, non BPCL fuel.
Review rewards, caps, fees and issuer evidence →Frequently asked questions
Which is the best fuel credit card in India?
There is no universal winner. Across 3 issuer-verified options, ICICI Bank HPCL Super Saver carries the lowest recurring annual fee (₹500), but the right card depends on your spending, cards already owned, realistic redemption value, exclusions and issuer approval fit. CardMasters presents a current evidence-led shortlist instead of one paid winner.
How many fuel credit cards does CardMasters track?
This shortlist shows 3 cards, each with a dated issuer-source check. The full CardMasters directory covers 72 active Indian credit cards.
Does affiliate commission affect this shortlist?
No. Affiliate payout is not used to select, order or value cards. A card can appear without a monetized application link, and every tracked campaign is disclosed separately.
How current is the card information?
Every card on this page has a dated issuer-source record. This catalogue release was published 2026-08-04, but credit-card terms can change after publication, so confirm final terms with the issuer.
What should I check before applying for a fuel credit card?
Check the per-transaction range and the monthly ceiling on the surcharge waiver. Approval, credit limit and final pricing remain at the issuer's sole discretion.