CardTrail

⛽

Best Credit Card for Fuel & Petrol in India (2026)

Quick answer:

IndianOil RBL Bank XTRA Credit Card gives you up to 8.5% back on petrol, diesel, and fuel purchases at pumps — the highest of any card we track.

Updated April 2026·10 cards compared·No affiliate commissions

Key insight

Fuel surcharge waiver alone saves 1% on every fill. Add fuel-specific rewards (2-5%) and a daily commuter spending ₹5,000/month saves ₹1,800-3,600 per year — the card pays for itself.

Top 10 Cards for Fuel & Petrol

1

IndianOil RBL Bank XTRA Credit Card

RBL

Up to 8.5% — directly optimised for fuel (best on indian oil)

Reward rateUp to 8.5%
Annual fee₹1,500
Score7.6/10
Co-branded / Direct
2

SBI BPCL Octane Credit Card

SBI

Up to 6.25% — directly optimised for fuel (best on bharat petroleum)

Reward rateUp to 6.25%
Annual fee₹1,499
Score7.8/10
Co-branded / Direct
3

ICICI HPCL Super Saver Credit Card

ICICI

Up to 5% — directly optimised for fuel (best on hindustan petroleum)

Reward rateUp to 5%
Annual fee₹500
Score7.6/10
Co-branded / Direct
4

Indian Oil HDFC Credit Card

HDFC

Up to 5% — directly optimised for fuel (best on indian oil)

Reward rateUp to 5%
Annual fee₹500
Score7.2/10
Co-branded / Direct
5

IndianOil Kotak Credit Card

Kotak

Up to 5% — directly optimised for fuel (best on indian oil)

Reward rateUp to 5%
Annual fee₹449
Score6.9/10
Co-branded / Direct
6

SBI BPCL Credit Card

SBI

Up to 4.7% — directly optimised for fuel (best on bharat petroleum)

Reward rateUp to 4.7%
Annual fee₹499
Score6.7/10
Co-branded / Direct
7

HPCL ICICI Coral Credit Card

ICICI

Up to 4% — directly optimised for fuel (best on hindustan petroleum)

Reward rateUp to 4%
Annual fee₹199
Score7.3/10
Co-branded / Direct
8

Axis Indian Oil Credit Card

Axis

Up to 4% — directly optimised for fuel (best on indian oil)

Reward rateUp to 4%
Annual fee₹500
Score6.7/10
Co-branded / Direct
9

IndianOil Axis Bank Credit Card

Axis

Up to 4% — directly optimised for fuel (best on indian oil)

Reward rateUp to 4%
Annual fee₹500
Score6.3/10
Co-branded / Direct
10

IDFC FIRST Power+ Credit Card

IDFC FIRST

Up to 3% — directly optimised for fuel

Reward rateUp to 3%
Annual fee₹499
Score7.2/10
Co-branded / Direct

How We Ranked These

We ranked all 239 credit cards in our database against Fuel & Petrol using three tiers of relevance:

  1. Direct match — cards specifically designed for or partnered with Fuel & Petrol (co-branded cards, direct accelerated rewards)
  2. Category match — cards that earn accelerated rewards on the spending category that Fuel & Petrol falls under
  3. Broad match — cards that earn elevated rewards on related or overlapping categories

Within each tier, cards are sorted by effective reward rate (highest first), then by CardTrail Score as a tiebreaker. Every number on this page comes from our database — nothing is fabricated.

The Math: How Much Can You Actually Earn?

Monthly spendIndianOil RBL Bank XTR…SBI BPCL Octane Credit…ICICI HPCL Super Saver…
₹5.0K/mo₹5.1K/yr₹3.8K/yr₹3.0K/yr
₹15.0K/mo₹15.3K/yr₹11.3K/yr₹9.0K/yr
₹30.0K/mo₹30.6K/yr₹22.5K/yr₹18.0K/yr

Assumes consistent monthly spending at the card's maximum reward rate for the matching category. Actual returns may vary based on reward caps, tier structures, and point redemption value.

Common Pitfalls to Watch For

!

Fuel surcharge waiver typically caps at ₹3,000-4,000 per transaction — split large fills if needed

!

Some cards exclude fuel from reward points while still offering surcharge waiver — two separate benefits

!

Contactless tap payments at pumps may code differently — confirm with your bank

Cards to Avoid for Fuel & Petrol

These are popular, well-rated cards that earn only their base reward rate on petrol, diesel, and fuel purchases at pumps. If you carry one of these, use a different card for Fuel & Petrol purchases.

IDFC FIRST Diamond Reserve Credit Card

IDFC FIRST · Score: 9/10 — but only 0.5% on petrol, diesel, and fuel purchases at pumps

American Express Platinum Charge Card

American Express · Score: 8.7/10 — but only 1.25% on petrol, diesel, and fuel purchases at pumps

IndusInd Tiger Credit Card

IndusInd · Score: 8.7/10 — but only 1.2% on petrol, diesel, and fuel purchases at pumps

HDFC Millennia

HDFC · Score: 8.7/10 — but only 1% on petrol, diesel, and fuel purchases at pumps

HDFC Swiggy Credit Card

HDFC · Score: 8.7/10 — but only 1% on petrol, diesel, and fuel purchases at pumps

These are great cards for other spending categories — just not for petrol, diesel, and fuel purchases at pumps. Use the top-ranked card above instead.

Related: Best Cards for Similar Spending

Best for Indian Oil (IOCL) Best for Bharat Petroleum (BPCL) Best for Hindustan Petroleum (HPCL) Best for Petrol Pumps (All Brands) Best for Ola & Uber Cab Rides

Frequently Asked Questions

Which credit card gives the highest cashback on Fuel & Petrol?
IndianOil RBL Bank XTRA Credit Card from RBL gives up to 8.5% back on petrol, diesel, and fuel purchases at pumps. It has a CardTrail Score of 7.6/10 with an annual fee of ₹1,500.
Is there a no-annual-fee credit card good for Fuel & Petrol?
Most cards with good rewards on petrol, diesel, and fuel purchases at pumps have an annual fee, but some offer fee waivers on minimum spend.
How do credit card rewards work on Fuel & Petrol?
Credit cards earn rewards based on the Merchant Category Code (MCC) of the transaction. Fuel & Petrol transactions are assigned an MCC by the payment network, and cards with accelerated rewards on that MCC earn higher cashback or points.
Which popular credit cards should I avoid using for Fuel & Petrol?
Cards like IDFC FIRST Diamond Reserve Credit Card, American Express Platinum Charge Card, IndusInd Tiger Credit Card have high overall scores but earn only their base rate (0.5% or less) on petrol, diesel, and fuel purchases at pumps. Use a category-matched card instead.

Found this useful?

Get notified when card rules change, benefits get devalued, or new cards launch. One email, only when it matters.

Explore more

All Best CardsCard DirectoryCompare CardsCalculators