Fuel Loyalty Programs in India: A Comprehensive Guide

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Since a steep hike in the fuel price is looking imminent due to various global factors making news and a previously shown hesitancy by the government in providing tax relief on petroleum products. I am here to bring all the information about fuel loyalty programs running in India by the various OMCs which might be helpful for some people who have substantial fuel spending every month.

Previously I had shared a detailed article on Best Credit Cards for Fuel Spends in India which can help you choose the best fuel credit card and I recommend that you read the article before this one for a better understanding. In this article, we will suggest to you the best ways to pump up the reward rate by a tiny margin in combination with the fuel cards recommended in the above-mentioned article. So let’s check out all the details!

IOCL XTRAREWARDS Loyalty Program

Indian Oil offers a loyalty program for its individual and corporate(SmartFleet) customers. Its SmartFleet card is not recommended for individual users due to its 80,000 minimum points redemption condition though its reward rate is comparatively higher than XtraRewards Card.

I am highlighting features of its individual program called XtraRewards in which I am also enrolled and was earning good rewards before I switched to SBI BPCL Octane Credit Card. With this card, all you have to do is to swipe the physical card if you have or quote the registered mobile number with IOCL to the attendant so that he punches in the EDC to get the XtraReward Points. Don’t forget to ask for a slip for the points punched!

  • Enrolment charges are ₹60 if enrolled physically at the pump and its free for digital enrolment at https://www.xtrarewards.com/.
  • 1 XTRAREWARD Point of filling fuel worth ₹75.
  • 1 XTRAREWARD Point = 30p worth of fuel.
  • 100 Bonus XTRAREWARD Points if you fill up in your birthday week.
Loyalty Program Reward Rate – 0.4%
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XtraRewards card when swiped in combination with co-brand cards like HDFC IOCL & AXIS IOCL card can further pump up the reward rate and give you 5.2% and 4.4% respectively.

HP Pay Loyalty Program

HP Pay previously known as HP Refuel is a loyalty and payments program from HPCL. This program can be used from a unified mobile application that can be used to utilize all the services related to automotive fuel, LPG refills, and lubes. This mobile app accepts payment via almost all payment methods. You can either load the inbuilt wallet or pay directly and as per my personal experience, the process is seamless.

  • No enrolment charges are applicable and enrolment can be done via https://www.hppay.in/apply-now or its mobile app.
  • HP Pay rewards you a total of 4/6 PAYBACK points on refueling worth ₹100 depending on the card variant. (3 Points on recharge, 1 point on usage, and an additional 2 points if you have certain cards).
  • 1 PAYBACK point = 25p worth of fuel.
  • PAYBACK points can be converted to wallet amount in just a click.
Loyalty Program Reward Rate – 1% – 1.5%

Before you start doing your calculations let me tell you the dealbreaker in this. HPCL charges wallet loading charges with credit cards. I am also mentioning the charges underneath which simply negates the reward that you will earn via PAYBACK. Another point worth mentioning here is that ICICI HPCL Co-brand credit cards won’t give you any surcharge waiver benefit due to the physical ICICI POS condition attached to them. So there is no question of using credit cards on the HP Pay app due to loading charges and lack of surcharge reversal except for the ones listed below.

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There are certain cards that offer 6 Payback points on loading an inbuilt wallet in the HPCL Pay app. BOB HPCL Energie, HPCL Supersaver credit card, and Uni Bank Carbon credit card are the best use case possible in the case of HPCL as they both offer a net 5.5% reward rate when routed through the HP Pay app. Additionally, the fuel surcharge waiver will equalize the wallet loading charges. Further, you can swipe your Payback card additionally and get a Payback point per ₹100 spent.

BPCL PetroBonus Loyalty Program

BPCL was offering a 100X Petromiles offer recently which was giving a whopping 15% reward rate.

BPCL is having loyalty program with the name of PetroBonus that gives PetroMiles and a flat 0.75% cashback in SmartDrive wallet and is a good rewarding program.

  • PetroMiles can be earned by paying for the fuel via the in-built wallet in SmartDrive app which has no enrolment charges.
  • PetroMiles can also be earned by applying for a physical PetroBonus Card for a one-time fee of ₹250.
  • BPCL rewards you with 10 Miles for every ₹100 worth of fuel spends.
  • 1 PetroMile = 1.5p worth of voucher.
  • No charges on loading of wallet via SBI BPCL co-brand credit cards/UPI and Debit Cards. Surcharge applicable will only be reversed excluding taxes on SBI BPCL cards.
  • Netbanking and other bank credit Cards have loading charges of 1.2% + GST.
Loyalty Program Reward Rate – 0.90% (0.75% Cashback + 0.15% worth PetroMiles)
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You can load BPCL SmartDrive wallet using the SBI BPCL Octane for a reward rate of 6.25% to club it with 0.9% loyalty benefits taking the reward rate to an unbelievable 7.15%. A surcharge of 1% will be charged which will be reversed excluding taxes.


This is a unique article built on whatever information I could gather from various sources and since the information on OMC’s website is very limited so feedback and corrections are duly welcome. We at TechnoFino will continue to strive for providing you with the best information and for the same to reach you we welcome you to subscribe to our mailer list so that you get the information of the new articles as soon as they go live.

Are you already into any of the loyalty programs? Do share your experiences or tips & tricks that you use to maximize your reward rate on fuel.

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Thangadurai A

Well organised post. It seems bpcl smartdrive app is no more. Not able to signin from android and ios devices.

Anyone used it recently??

[…] This card also rewards you additional 6 Payback Points on loading HP Pay Wallet using this card but since HP charges 1% extra on loading via credit cards the net benefit comes out […]