Comparison of the Best Fuel Credit Cards in India for 2025

[CardMaven]

This comparison helps identify the best card for maximizing fuel-related rewards based on your spending needs and preferred fuel brand. Here is a comparison table for the best credit cards for fuel in India, organized by the fuel station brand (IOCL, BPCL, HPCL) and key features.

Credit Card	Fuel Brand	Joining Fee	Annual Fee	Annual Fee Waiver	Reward Rate on Fuel	Best for Fuel Spends	Fuel Surcharge Waiver	Domestic Airport Lounge Access	Notes
IndianOil RBL Bank XTRA Credit Card	IOCL	Rs 1500 + GST	Rs 1500 + GST	On Rs 2.75 Lakh spend	7.5%	Till Rs 13,333/month	1% up to Rs 200/month	None	Redeem XTRA points for fuel at IOCL pumps
IndianOil Axis Bank Credit Card	IOCL	Rs 500 + GST	Rs 500 + GST	On Rs 3.5 Lakh spend	4%	Till Rs 5000/month	1% up to Rs 50/statement cycle	None	Redeem EDGE points for Amazon Pay GVs
IndianOil Kotak Credit Card	IOCL	Rs 449 + GST	Rs 449 + GST	On Rs 50,000 spend	4%	Till Rs 7500/statement cycle	1% up to Rs 100/statement cycle	None	Better rewards compared to Axis Card
BPCL SBI Credit Card OCTANE	BPCL	Rs 1499 + GST	Rs 1499 + GST	On Rs 2 Lakh spend	6.25%	Till Rs 10,000/month	1% up to Rs 100/statement cycle	4 visits/year	25X rewards on BPCL fuel and 10X on other categories
BPCL SBI Credit Card	BPCL	Rs 499 + GST	Rs 499 + GST	On Rs 50,000 spend	3.25%	Till Rs 10,000/month	1% up to Rs 100/statement cycle	None	13X rewards on BPCL fuel
HPCL Bank of Baroda ENERGIE Credit Card	HPCL	Rs 499 + GST	Rs 499 + GST	On Rs 50,000 spend	4%	Till Rs 6800/statement cycle	1% up to Rs 100/statement cycle	1 visit/quarter	5% effective fuel reward rate
IDFC First Bank HPCL Power+ Credit Card	HPCL	Rs 499 + GST	Rs 499 + GST	On Rs 1.5 Lakh spend	5.5%	Till Rs 12,000/statement cycle	None	1 visit/quarter	5% on utilities & groceries, 4% on fuel
IDFC First Bank HPCL Power Credit Card	HPCL	Rs 199 + GST	Rs 199 + GST	On Rs 50,000 spend	4%	Till Rs 5000/statement cycle	None	None	Lower fee, good for smaller fuel spends
American Express Gold Charge Card	HPCL	Rs 1000 + GST	Rs 4500 + GST	None	7% and above for 1000 X 6 transactions	None	No surcharge for transactions < Rs 5000	None	No surcharge at HPCL pumps < Rs 5000
Standard Chartered Super Value Titanium	Any Fuel	Rs 750 + GST	Rs 750 + GST	On Rs 90,000 spend	4%	Till Rs 5000/month	1%	None	General fuel spending card