Top 3 Most Rewarding Fuel Credit Cards in India (2025)

Fuel purchases are one of the most important expenses in our daily lives. Optimizing fuel spends is essential to maximize rewards on overall spending. There are several ways to earn rewards on fuel purchases - such as paying via FASTag, buying fuel gift vouchers, and using them at fuel stations.
But if you’re someone who prefers to keep things simple and avoid unnecessary complications, then using a good fuel credit card directly at fuel stations is the best option for you.

In this article, I’ll recommend the top 3 credit cards for fuel, which you can use to earn the maximum possible rewards on your fuel spends.

1. RBL IndianOil XTRA Credit Card
Annual Fee: ₹1,500 + GST
Annual Fee Waiver Condition: Spend ₹2,75,000 in the previous year
Card Reward Type: Fuel Points (1 Fuel Point = ₹0.50)

Rewards at IndianOil Fuel Stations:
Earn 7.5% back (15 Fuel Points per ₹100 spent) on fuel purchases up to ₹13,400 per statement cycle (Maximum 2,000 Fuel Points per month).

Fuel Surcharge Waiver at IndianOil Stations:
Get a 1% surcharge waiver on fuel expenses up to ₹20,000 per statement cycle.

My Opinion: So, if you use this card to purchase up to ₹13,400 worth of fuel per month at IndianOil fuel stations, you’ll get a 7.5% reward. While you also receive a 1% fuel surcharge waiver, we won’t consider it as value back since it merely offsets the actual surcharge levied by the fuel station.
The annual fee waiver condition is a bit on the higher side, but even if you don’t meet it and end up paying the annual fee, you’ll still earn around 6.36% value back (excluding the surcharge waiver) on your ₹13,400 monthly fuel spend - which is a very solid return.
If you spend around ₹10,000 or similar amount per month on fuel, this card is definitely worth considering.

Apply for this credit card online: Click Here To Apply For This Credit Card

2. IDFC FIRST Bank HPCL Power+ Credit Card
Annual Fee: ₹499 + GST
Annual Fee Waiver Condition: Spend ₹1,50,000 in the previous year
Card Reward Type: Reward Points (1 Reward Point = ₹0.25)

Rewards at HPCL Fuel Stations:
Earn 5% (30 Reward Points per ₹150 spent at HPCL) on expenses up to ₹12,000 per statement cycle (maximum 2,400 Reward Points per month).
Additionally, earn 1.5% (6 Happy Coins per ₹100 spent) as HP Happy Coins on fuel transactions through the HP Pay app, up to ₹10,000 per month (maximum 600 Happy Coins per month).

Fuel Surcharge Waiver at HPCL Stations:
Fuel surcharge waiver is not available, which means you'll pay an extra 1% as fuel surcharge.

My Opinion:
If you use this card to purchase up to ₹10,000 worth of fuel per month at HPCL fuel stations via the HP Pay app, you’ll earn 5% as Reward Points plus 1.5% as Happy Coins, giving a total 6.5% value back. However, since there’s no surcharge waiver, you’ll lose 1% to fuel surcharge - bringing your net value back to 5.5%.
The annual fee waiver condition is a bit on the higher side for this card as well. But even if you don’t meet it and end up paying the annual fee, you’ll still get around 5% value back on ₹10,000 monthly fuel spends - which is pretty good, though lower than the RBL IndianOil XTRA Card.

If you spend around ₹10,000 or so per month on fuel and can’t get the RBL IndianOil XTRA Card, this is still a solid very good choice.

Apply for this credit card online: Click Here To Apply For This Credit Card

3. SBI BPCL Octane Credit Card
Annual Fee: ₹1,499 + GST
Annual Fee Waiver Condition: Spend ₹2,00,000 in the previous year
Card Reward Type: Reward Points (1 Reward Point = ₹0.25)

Rewards at BPCL Fuel Stations:
Earn 6.25% back (25 Reward Points per ₹100 spent) on fuel purchases up to ₹10,000 per statement cycle (maximum 2,500 Reward Points per month).

Fuel Surcharge Waiver at BPCL Stations:
Get a 1% surcharge waiver on fuel expenses up to ₹10,000 per statement cycle. (Note: Each transaction must be less than ₹4,000 to be eligible for the waiver.)

My Opinion:
If you use this card to purchase up to ₹10,000 worth of fuel per month at BPCL fuel stations, you’ll get a 6.25% reward. While you also receive a 1% fuel surcharge waiver, we won’t consider it as value back since it merely offsets the actual surcharge levied by the fuel station.
The annual fee waiver condition is slightly on the higher side, but even if you don’t qualify for the waiver and end up paying the annual fee, you’ll still earn around 4.78% value back (including the surcharge waiver) on ₹10,000 monthly fuel spends - which is still not bad at all, though lower than the RBL IndianOil XTRA Card and the IDFC First HPCL Power+ Credit Card.
If you spend around ₹10,000 or similar amount per month on fuel and can’t get the RBL IndianOil XTRA Card & the IDFC First HPCL Power+ Card, then this is a solid third alternative.
Your first choice should be the RBL IndianOil XTRA Card, followed by the IDFC FIRST Power+ Credit Card as the second option, and the SBI BPCL Octane Card as the third.

Apply for this credit card online: Click Here To Apply For This Credit Card

Priority Order:

1. RBL IndianOil XTRA Card
2. IDFC FIRST HPCL Power+ Credit Card
3. SBI BPCL Octane Card

[A humble request: If you wish to apply for any credit card from the list, kindly use the link provided here, as it will contribute to supporting our community.]

 

[proletariat]

Have been using Axis(Citi) IOCL. No selected pumps only t&c . I use XtraGreen Diesel IOCL which is superior fuel & don't offered by any other fuel pumps so have to use it otherwise also.
Backup card is SC Titanium which give 5% CB blindly at any Fuel station!
Need is fullfilled. HP pay app is annoying & takes lot of time for payment. I junked it.

do we have to ask IndianOIL POS to swipe or can we swipe regularly in there paytm POS? Will that be reflected

 

[Virtual King]

Priority Order:

1. RBL IndianOil XTRA Card
2. IDFC FIRST HPCL Power+ Credit Card
3. SBI BPCL Octane Card

I am using SBI BPCL Octane credit card for the last one year plus. I think it has many positives including fuel spends. Some of these are as under:-

• Fuel Reward Rate - Good rewards rate of 6.25% on fuel spends + 1% fuel surcharge waiver.
• Base Reward Rate - Excellent base reward rate of 2.5% for Groceries, Departmental Stores, Movies & Dining.
• Welcome Benefits - 6,000 bonus RPs which are equivalent to Rs 1,500 (@ 4 RPs = Rs 1) after the payment of joining fee.
• Gas Reward Rate - 6.25% rewards on gas cylinders of Bharat Gas through their app.
• Domestic Lounges - 4 complimentary visits per calendar year (1 per quarter) to domestic Visa lounges in India (no spend criteria).
• Milestone Offer - Worth Rs. 2,000 from Aditya Birla Fashion, Yatra, Urban Ladder, Hush Puppies or Bata on annual spends of Rs. 3L.
• Annual Fee Waiver - Annual fees of Rs 1,499 + 18% GST (=Rs 269.82) = Rs, 1,768.82 are waived off on spending Rs. 2L in a year.
• Late Payment Charges - Nil, for late payments up to Rs 500.
• New SBI Card - Another new SBI card can be processed within 4 days without further documentation.
• Add-on Cards - Up to 3 add-on cards, free of cost (for your spouse, parents, siblings and children over 18 years of age).

So, as I see it, Octane has much more to offer than mere fuel rewards. Some more insights on the card are available on this thread here.

Accordingly, the prospective users can take their respective considered calls, rather than sticking to the priority order.

Hope this helps. 🙂

 

[Tazact]

do we have to ask IndianOIL POS to swipe or can we swipe regularly in there paytm POS? Will that be reflected

Any POS machines . Also for Ctrarewards nake sure they feed your regustered mobile no in POS machine before swipe

 

[proletariat]

thanks , for the write-up. Can you confirm if the points gets reflected even if you swipe on a paytm POS?

I am using SBI BPCL Octane credit card for the last one year plus. I think it has many positives including fuel spends. Some of these are as under:-

• Fuel Reward Rate - Good rewards rate of 6.25% on fuel spends + 1% fuel surcharge waiver.
• Base Reward Rate - Excellent base reward rate of 2.5% for Groceries, Departmental Stores, Movies & Dining.
• Welcome Benefits - 6,000 bonus RPs which are equivalent to Rs 1,500 (@ 4 RPs = Rs 1) after the payment of joining fee.
• Gas Reward Rate - 6.25% rewards on gas cylinders of Bharat Gas through their app.
• Domestic Lounges - 4 complimentary visits per calendar year (1 per quarter) to domestic Visa lounges in India.
• Milestone Offer - Worth Rs. 2,000 from Aditya Birla Fashion, Yatra, Urban Ladder, Hush Puppies or Bata on annual spends of Rs. 3L.
• Annual Fee Waiver - Annual fees of Rs 1,499 + 18% GST (=Rs 269.82) = Rs, 1,768.82 are waived off on spending Rs. 2L in a year.
• Late Payment Charges - Nil, for late payments up to Rs 500.
• New SBI Card - Another new SBI card can be processed within 4 days without further documentation.
• Add-on Cards - Up to 3 add-on cards, free of cost (for your spouse, parents, siblings and children over 18 years of age).

So, as I see it, Octane has much more to offer than mere fuel rewards. Some more insights on the card are available on this thread here.

Accordingly, the prospective users can take their respective considered calls, rather than sticking to the priority order.

Hope this helps. 🙂

 

[Virtual King]

Can you confirm if the points gets reflected even if you swipe on a paytm POS?

Short Answer
Yes, they do, mostly. Sometimes, they do not. And it is agnostic of the POS machine.

My Personal Experiences
I have an SBI BPCL Octane Credit Card (Visa), and I have faced this issue of non-credit of Reward Points (RPs) only 2-3 times in the last one year. However, every time the issue has been resolved favourably albeit with a little nudge to them through the customer care, over a few days.

RPs Not Getting Reflected
This issue is agnostic of the POS machine. Even at various BPCL fuel stations, with different POS machines (Paytm, Phone Pe, Pine Labs, etc), RPs may not get credited. After the transaction gets posted and is viewed in the SBI Card app, only then one will come to know if the RPs have been correctly given or not. Thereafter, one can take corrective action in case of any discrepancy.

Reason for RPs not Getting Credited
Even at the BPCL outlets sometimes the RPs don't get credited. This is because - as confirmed by their customer care representatives - either the POS machine on which the card is used is not registered with the BPCL database, or the name of the outlet and the name in the POS machine does not match with the BPCL database, or any such reason which is beyond the customer's control.

Action to be Taken
So, in these cases, one has to call their customer care and inform them about the transaction anomaly, after checking the same in the SBI Card app. They will take the request and then investigate at their end and if found genuine, then within 4-5 days the RPs will get credited. You will receive email also regarding the same and the service request status can be checked in the SBI Card app also.

Tip
Always take the transaction slip automatically generated by the fuel dispenser after the transaction. If it is not working, then tell the attendant to write the transaction details on their official bill - mentioning the quantity dispensed, rate per litre and total amount, along with the date and time. This will be useful to pursue your case in case they ask for a proof of the disputed transaction.

You can refer to discussions on these issues in these threads here, here and here.

Hope this helps. 🙂