Fuel prices in India continue to rise, and whether you drive a cab, ride a bike, or own a travel business, fuel expenses take a major chunk of your monthly budget. But what if there’s a smart way to save money every time you refuel? That’s where fuel credit cards come in. These are special credit cards designed to offer fuel surcharge waivers, cashbacks, and reward points specifically for fuel purchases.
In this article, we’ll explore the top fuel credit cards in India for 2025, how they help you save, and what makes them a must-have for every vehicle owner.
Why You Need a Fuel Credit Card in 2025
With petrol and diesel prices fluctuating around ₹100 per litre, saving ₹1 to ₹2 on every litre may not sound like much. But over a month or year, it adds up significantly. A person spending ₹5,000–₹10,000 per month on fuel could save ₹6,000 to ₹12,000 per year using the right credit card.
Here’s how fuel credit cards benefit you:
- 🛢️ Fuel surcharge waiver (1%-2.5%)
- 🎁 Reward points that can be redeemed for fuel
- 💸 Cashback on refueling
- 🚘 Some also offer vehicle assistance, insurance, and bonus discounts
Top 5 Fuel Credit Cards in India – June 2025
Let’s dive into the best-performing credit cards for fuel savings, based on real user reviews, benefits, and charges.
🥇 IndianOil Axis Bank Credit Card
Annual Fee: ₹500 (waived on ₹50,000 yearly spend)
Best For: IndianOil petrol pump users
Benefits:
- 20 reward points = ₹0.50 per ₹100 spent at IndianOil
- 4% value back on fuel
- 1% fuel surcharge waiver (up to ₹50/month)
- Free fuel worth ₹250 on activation
CTR Tip: Axis + IndianOil = High search traffic. Use phrases like “Axis IndianOil card apply online”, “Axis fuel card benefits”.
🥈 HPCL BoB ENERGIE Credit Card
Annual Fee: ₹499 (waived on ₹50,000 annual spend)
Best For: HP petrol pump users
Benefits:
- 24 reward points on HPCL fuel spends (₹100 = ₹0.60)
- 1% fuel surcharge waiver at HPCL outlets
- ₹250 cashback on first fuel transaction
CPC Keywords: “HPCL credit card cashback”, “best fuel card for HP pumps”.
🥉 ICICI Bank HPCL Super Saver Credit Card
Annual Fee: ₹500 + GST
Best For: Everyday fuel + groceries
Benefits:
- 5% cashback on fuel at HPCL (up to ₹100/month)
- 2% cashback on utility/grocery spends
- 1% fuel surcharge waiver
Unique Feature: Contactless payment at HPCL using “ICICI HP Paywave”.
High RPM Tip: Include “ICICI credit card offers fuel” and “ICICI HP PayWave card review”.
💳 HDFC Bharat Cashback Credit Card
Annual Fee: ₹500 (waived on ₹50,000 spend/year)
Best For: Regular city fuel + online shopping
Benefits:
- 5% cashback on fuel, bill payments, mobile recharges
- Cashback auto credited to card
- 1% fuel surcharge waiver at all fuel stations
AdSense Angle: Combines fuel and digital spends. Keywords like “best HDFC card for petrol” or “fuel + shopping credit card India” rank well.
⛽ BPCL SBI Credit Card
Annual Fee: ₹499 (waived on ₹50,000 spend)
Best For: Bharat Petroleum users
Benefits:
- 4.25% value back on BPCL fuel (13X reward points)
- Welcome bonus of 2,000 points = ₹500 fuel
- 1% fuel surcharge waiver
CTR Boost: SBI + fuel is a powerful combo. Use “BPCL SBI card apply”, “SBI fuel card cashback” in metadata.
Comparison Table – Which Fuel Card Is Right for You?
| Credit Card | Fuel Network | Cashback/Reward | Surcharge Waiver | Annual Fee |
|---|---|---|---|---|
| IndianOil Axis Bank | IndianOil | 4% reward value | 1% | ₹500 |
| HPCL BoB Energie | HPCL | ₹0.60/₹100 | 1% | ₹499 |
| ICICI HPCL Super Saver | HPCL | 5% cashback | 1% | ₹500 |
| HDFC Bharat Cashback | All Pumps | 5% cashback | 1% | ₹500 |
| BPCL SBI Card | BPCL | ₹0.70/₹100 | 1% | ₹499 |
Who Should Apply for Fuel Credit Cards?
If you fall under any of the following, a fuel card is a must:
- 🚕 Cab drivers, fleet owners, or travel business professionals
- 🚗 Frequent highway travelers
- 🛵 Daily commuters with high monthly fuel expenses
- 🛍️ Urban customers who combine fuel + grocery spends
Even small savings per litre multiply over the year. Many people are unaware they’re paying 1%-2.5% extra on every refill just as a surcharge. These credit cards remove that entirely.
How to Maximize Fuel Card Benefits
To truly benefit from a fuel card:
- ⛽ Use the card only at partner petrol pumps (IOCL, HPCL, or BPCL depending on your card).
- 📲 Always pay using the card, not UPI/cash at fuel stations.
- 💳 Try to spend enough to waive off the annual fee.
- 🎁 Keep tracking reward point expiry and redeem them regularly.
Things to Watch Before Applying
While fuel cards help save, here are some tips before you apply:
- ✅ Check which petrol pump is nearest to your home/work.
- 📍 Confirm the fuel network your card supports.
- 💰 Make sure your monthly fuel spend justifies the annual fee.
- 🔒 Look for secure cards with chip + PIN and app controls.
Final Words – Save Big in 2025
Fuel credit cards are one of the easiest and most effective ways to save money monthly, especially in India where fuel prices are unpredictable. For someone like you, who may run cabs or drive regularly, these cards are a goldmine. You don’t need to change habits – just pay smart.
Among all, IndianOil Axis Bank and BPCL SBI Card are the most popular and trusted fuel cards in India 2025. Just remember to compare based on your nearby petrol pump and spending pattern.
Start saving now, because fuel may burn, but your money doesn’t have to.
Ready to apply? Choose your card, get approval online, and drive smart!
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