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Best Credit Card for Hindustan Petroleum (HPCL) in India (2026)

Quick answer:

ICICI HPCL Super Saver Credit Card gives you up to 5% back on fuel purchases at HPCL pumps — the highest of any card we track. OneCard Credit Card is the best free alternative.

Updated April 2026·10 cards compared·No affiliate commissions

Top 10 Cards for Hindustan Petroleum (HPCL)

1

ICICI HPCL Super Saver Credit Card

ICICI

Up to 5% on fuel

Reward rateUp to 5%
Annual fee₹500
Score7.6/10
2

HPCL ICICI Coral Credit Card

ICICI

Up to 4% on fuel

Reward rateUp to 4%
Annual fee₹199
Score7.3/10
3

IDFC FIRST Power+ Credit Card

IDFC FIRST

Up to 3% on fuel

Reward rateUp to 3%
Annual fee₹499
Score7.2/10
4

HSBC Cashback Credit Card

HSBC

Up to 10% on cashback category

Reward rateUp to 10%
Annual fee₹999
Score8.2/10
5

SimplyCLICK Advantage SBI Card

SBI

Up to 10% on cashback category

Reward rateUp to 10%
Annual fee₹499
Score7.9/10
6

Titan SBI Credit Card

SBI

Up to 7.5% on cashback category

Reward rateUp to 7.5%
Annual fee₹2,999
Score8.8/10
7

HDFC Millennia

HDFC

Up to 5% on cashback category

Reward rateUp to 5%
Annual fee₹1,000
Score8.7/10
8

Axis Bank Horizon Credit Card

Axis

Up to 5% on cashback category

Reward rateUp to 5%
Annual fee₹3,000
Score8.6/10
9

Axis ACE Credit Card

Axis

Up to 5% on cashback category

Reward rateUp to 5%
Annual fee₹499
Score8.1/10
10

Samsung Axis Bank Signature Credit Card

Axis

Up to 5% on cashback category

Reward rateUp to 5%
Annual fee₹500
Score7.7/10

How We Ranked These

We ranked all 239 credit cards in our database against Hindustan Petroleum (HPCL) using three tiers of relevance:

  1. Direct match — cards specifically designed for or partnered with Hindustan Petroleum (HPCL) (co-branded cards, direct accelerated rewards)
  2. Category match — cards that earn accelerated rewards on the spending category that Hindustan Petroleum (HPCL) 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.

Tips to Maximise Rewards on Hindustan Petroleum (HPCL)

→

HPCL uses standard 'Fuel' MCC — any fuel-category card earns accelerated rewards

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HP Pay app for bill splitting doesn't affect card reward coding

→

Fuel surcharge waiver is the #1 feature to look for — saves 1% on every fill

Free vs Paid: Is the Annual Fee Worth It?

Best Free Card

OneCard Credit Card

Federal Bank / BOB Cards · ₹0 annual fee

Up to 5% on fuel purchases at HPCL pumps

Score: 7.2/10

Best Overall

ICICI HPCL Super Saver Credit Card

ICICI · ₹500 annual fee

Up to 5% on fuel purchases at HPCL pumps

Score: 7.6/10

Cards to Avoid for Hindustan Petroleum (HPCL)

These are popular, well-rated cards that earn only their base reward rate on fuel purchases at HPCL pumps. If you carry one of these, use a different card for Hindustan Petroleum (HPCL) purchases.

IDFC FIRST Diamond Reserve Credit Card

IDFC FIRST · Score: 9/10 — but only 0.5% on fuel purchases at HPCL pumps

American Express Platinum Charge Card

American Express · Score: 8.7/10 — but only 1.25% on fuel purchases at HPCL pumps

IndusInd Tiger Credit Card

IndusInd · Score: 8.7/10 — but only 1.2% on fuel purchases at HPCL pumps

HDFC Swiggy Credit Card

HDFC · Score: 8.7/10 — but only 1% on fuel purchases at HPCL pumps

IDFC FIRST Select Credit Card

IDFC FIRST · Score: 8.7/10 — but only 0.75% on fuel purchases at HPCL pumps

These are great cards for other spending categories — just not for fuel purchases at HPCL 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 Petrol Pumps (All Brands)

Frequently Asked Questions

Which credit card gives the highest cashback on Hindustan Petroleum (HPCL)?
ICICI HPCL Super Saver Credit Card from ICICI gives up to 5% back on fuel purchases at HPCL pumps. It has a CardTrail Score of 7.6/10 with an annual fee of ₹500.
Is there a no-annual-fee credit card good for Hindustan Petroleum (HPCL)?
Yes — OneCard Credit Card is a free card (₹0 annual fee) that earns up to 5% on fuel purchases at HPCL pumps. CardTrail Score: 7.2/10.
How do credit card rewards work on Hindustan Petroleum (HPCL)?
Credit cards earn rewards based on the Merchant Category Code (MCC) of the transaction. Hindustan Petroleum (HPCL) 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 Hindustan Petroleum (HPCL)?
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 fuel purchases at HPCL pumps. Use a category-matched card instead.

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