Best Fuel Credit Cards Ranked
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IndianOil Axis Bank Premium Credit Card
Joining Fee: ₹1,000 | Annual Fee: ₹1,000
Key Features: IOCL Fuel Value: 4% fuel reward points on IndianOil fuel pumps (up to ₹15,000 monthly spend), Surcharge Waiver: 1% unlimited fuel surcharge waiver on transactions between ₹400 and ₹4,000, Lounge Access: 2 complimentary domestic airport lounge visits per year, Fee Waiver: ₹1,000 annual fee waived on ₹1 Lakh annual spend
Read full review of IndianOil Axis Bank Premium Credit Card -
IndianOil Axis Bank Credit Card
Joining Fee: ₹500 | Annual Fee: ₹500
Key Features: IOCL Fuel Points: 4% value back (20 EDGE points per ₹100) on IndianOil fuel pumps (capped at 1,000 points/month), Surcharge Waiver: 1% fuel surcharge waiver (capped at ₹50/month) on spends of ₹400-₹4,000, Online Shopping: 1% value back on online shopping platforms, Fee Waiver: ₹500 annual fee waived on ₹3.5 Lakh annual spend
Read full review of IndianOil Axis Bank Credit Card -
Indian Oil Kotak Credit Card
Joining Fee: ₹449 | Annual Fee: ₹449
Key Features: IOCL Fuel Savings: 4% savings (24 reward points per ₹150) on IndianOil fuel stations (capped at 300 points/month), Surcharge Waiver: 1% fuel surcharge waiver (capped at ₹100 per billing cycle) on spends of ₹400-₹4,000, Dining & Groceries: 2% value back (12 reward points per ₹150) on dining and groceries, Fee Waiver: ₹449 annual fee waived on ₹50,000 annual spend
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HPCL Bank of Baroda ENERGIE Credit Card
Joining Fee: ₹499 | Annual Fee: ₹499
Key Features: HPCL Fuel Rewards: 4% fuel savings (24 reward points per ₹150) at HPCL fuel pumps (capped at 1,000 points/month), Surcharge Waiver: 1% fuel surcharge waiver (capped at ₹100/month) on spends of ₹400-₹5,000, Lounge Access: 4 complimentary domestic lounge visits/year (1 per quarter, subject to ₹20K spend in previous quarter), Fee Waiver: ₹499 annual fee waived on ₹50,000 annual spend
Read full review of HPCL Bank of Baroda ENERGIE Credit Card -
IDFC First Bank Power Credit Card
Joining Fee: ₹199 | Annual Fee: ₹199
Key Features: HPCL Fuel Savings: Up to 5% savings on fuel (3.5% card rewards + 1.5% HP Pay benefits), Utility & Grocery: 3.5% reward rate on utility bills, groceries, and IDFC FIRST FASTag recharge, Zero Surcharge Trap: Designed for HP Pay app payments to maximize net fuel returns without surcharge loss, Fee Waiver: ₹199 annual fee waived on ₹50,000 annual spend
Read full review of IDFC First Bank Power Credit Card -
IDFC First Bank Power+ Credit Card
Joining Fee: ₹499 | Annual Fee: ₹499
Key Features: HPCL Fuel Savings: Up to 6.5% savings on fuel (5% card rewards + 1.5% HP Pay benefits, capped at ₹400/month), Utility & Grocery: 5% reward rate on utility bills, groceries, and IDFC FIRST FASTag recharge, Lounge Access: 4 complimentary domestic lounge visits/year (1 per quarter, subject to ₹20K spend in previous month), Fee Waiver: ₹499 annual fee waived on ₹1.5 Lakh annual spend
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ICICI Bank HPCL Super Saver Credit Card
Joining Fee: ₹500 | Annual Fee: ₹500
Key Features: HPCL Fuel Cashback: 4% fuel cashback (capped at ₹200/month) + 1.5% additional value on HP Pay app, Surcharge Waiver: 1% fuel surcharge waiver (capped at ₹100/month) on transactions up to ₹4,000, Lounge Access: 4 complimentary domestic lounge visits/year (1 per quarter, subject to ₹75K quarterly spend), Fee Waiver: ₹500 annual fee waived on ₹1.5 Lakh annual spend
Read full review of ICICI Bank HPCL Super Saver Credit Card -
Standard Chartered Super Value Titanium Credit Card
Joining Fee: ₹750 | Annual Fee: ₹750
Key Features: Fuel & Utilities: 5% cashback on fuel, electricity, gas, and telephone bills (capped at ₹100/month each category, min ₹750 txn), Surcharge Waiver: 1% fuel surcharge waiver on transactions across all petrol pumps, Base Rewards: 1 reward point per ₹150 on all other retail transactions, Fee Waiver: ₹750 annual fee waived on ₹90,000 annual spend
Read full review of Standard Chartered Super Value Titanium Credit Card -
IndianOil RBL Bank XTRA Credit Card
Joining Fee: ₹1,500 | Annual Fee: ₹1,500
Key Features: IOCL Fuel Value: 7.5% fuel points back at IndianOil pumps (capped at 1,000 points per monthly billing cycle), Surcharge Waiver: 1% fuel surcharge waiver on transactions between ₹500 and ₹4,000, Base Fuel Points: 2 Fuel Points per ₹100 on all other retail purchases, Fee Waiver: ₹1,500 annual fee waived on ₹2.75 Lakh annual spend
Read full review of IndianOil RBL Bank XTRA Credit Card
Frequently Asked Questions
- How does a fuel surcharge waiver work?
- A fuel surcharge waiver refunds the 1% surcharge standard on card transactions. However, this waiver is capped per month (usually ₹100 to ₹500) and restricted to transactions within a specific range (e.g., ₹400 to ₹4000).
- Which is the best fuel credit card for HPCL pumps?
- The IDFC FIRST Power+ and ICICI HPCL Super Saver are excellent choices for HPCL pumps, offering up to 5% value back on fuel purchases.
- Which fuel credit card is best for IndianOil and partner pumps?
- The IndianOil Axis Bank Premium and IDFC FIRST Power+ offer industry-leading value back (up to 5% to 7%) on partner fuel stations including surcharge waivers.