Fuel expenses can be a significant cost, especially for those who frequently embark on road trips. The right fuel credit card can ease this burden by offering benefits like cashback, rewards, and surcharge waivers. Here’s a curated list of some of the best fuel credit cards in India for 2025, designed to make your road trips more economical and rewarding.
BPCL SBI Card
With a joining fee of ₹499 + GST, the BPCL SBI Card is ideal for individuals who frequently refuel at BPCL outlets. Cardholders enjoy 2,000 reward points upon payment of the joining fee, along with 13X reward points for every ₹100 spent at BPCL stations. Additionally, the card offers a 4.25% value back on BPCL fuel refills, making it a smart choice for BPCL loyalists. A 1% surcharge waiver on transactions up to ₹10,000 adds further savings.
IndianOil HDFC Bank Credit Card
This card, with a joining fee of ₹500 + GST, is a versatile option for those seeking universal fuel savings. It offers 5% of total spends at IndianOil outlets as fuel points, making it highly rewarding for IndianOil customers. Additionally, 1 fuel point is awarded for every ₹150 spent on non-fuel categories like groceries and bill payments. A 1% fuel surcharge waiver across all fuel stations ensures comprehensive savings.
IndianOil Axis Bank Credit Card
Priced at ₹500 + GST (second year onwards), this card is tailored for IndianOil users. It provides a 100% cashback (up to ₹250) on the first fuel transaction within 30 days of issuance. Cardholders earn 20X reward points for every ₹100 spent at IndianOil outlets and 5 reward points for every ₹100 spent on online shopping. These benefits make it an excellent option for fuel and lifestyle savings.
ICICI Bank HPCL Super Saver Credit Card
For a joining fee of ₹500 + GST, this card delivers exceptional value for HPCL customers. It offers 5% cashback on fuel transactions at HPCL pumps, along with an additional 1.5% cashback when payments are made via the HP Pay app. New users also receive ₹100 cashback for HP Pay transactions and 2,000 reward points upon activation.
Standard Chartered Super Value Titanium Credit Card
This card, with a joining fee of ₹750 + GST, is a suitable option for individuals with diverse spending needs. It offers 5% cashback on all fuel transactions, regardless of the fuel station, capped at ₹200 per month. Additionally, cardholders enjoy 5% cashback on utility and phone bill payments, making it a practical choice for everyday use.
BPCL SBI Card OCTANE
The BPCL SBI Card OCTANE is a premium option with a joining fee of ₹1,499. It offers an unmatched 7.25% value back on BPCL fuel refills, making it highly rewarding for regular BPCL customers. Users earn 10 reward points for every ₹100 spent on shopping, groceries, dining, and movies, up to 7,500 points per month. A 1% fuel surcharge waiver (up to ₹1,200 annually) further helps to save more.
IndusInd Bank Legend Credit Card
With a joining fee of ₹5,000, the IndusInd Bank Legend Credit Card is a premium offering for high-spending users. It provides a 1% surcharge waiver on fuel spends between ₹500 and ₹3,000, up to ₹100 per month. Additionally, users earn 1 point on a spend of ₹100 during weekdays. Meanwhile, you can earn up to 2 points on spends of the same amount during the weekends. This makes it a rewarding option for regular travellers.
Features and Benefits of Fuel Credit Cards
Fuel credit cards are specifically designed to help cardholders save on fuel expenses. The following features and benefits make these cards an essential tool for frequent travellers:
- Accelerated Rewards: Most fuel cards provide higher reward points on fuel transactions at partner outlets. For example, the IndianOil Axis Bank Credit Card comes with a 20X reward point offer on every ₹100 spent at an IndianOil outlet.
- Cashback and Value Backs: Some cards provide direct cashback or value backs on fuel spends, allowing significant savings over time.
- Fuel Surcharge Waivers: A common feature across most fuel credit cards, surcharge waivers can range from 1% to 3%, saving users a substantial amount on every transaction.
How to Choose the Right Fuel Credit Card
Selecting the best fuel credit card depends on your usage patterns and preferences. Here are some tips to help you make an informed decision before you apply for a credit card:
- Partner Outlets: Choose a card affiliated with the fuel station you visit most often. For example, BPCL and IndianOil cards are ideal if you frequent these outlets.
- Benefits Offered: Decide whether cashback, reward points, or surcharge waivers are more valuable for your spending habits
- Reward Limits: Check the upper limit on rewards or cashback to ensure the card aligns with your fuel consumption
- Annual Fees: Compare the joining and annual fees against the potential savings to gauge the card’s cost-effectiveness
Conclusion
For road trip enthusiasts, fuel credit cards offer a practical way to manage fuel expenses while reaping additional benefits. Whether you’re loyal to a specific fuel brand or prefer universal rewards, the cards listed above cater to a variety of needs. Apply for a credit card that best fits your travel habits and enjoy a cost-effective journey in 2025.
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