Best Fuel Credit Cards to Save Big in 2025

With rising fuel prices, every trip to the petrol pump can feel heavy on your wallet. But what if you could turn those expenses into savings? That’s where Fuel Credit Cards come in. These cards are specially designed to offer cashback, reward points, and fuel surcharge waivers every time you fill up your tank.

In this blog, we’ll explore the best credit cards in India for fuel, their key benefits, and how you can maximize savings on every fuel transaction.

Why Choose a Fuel Credit Card?

A Fuel Credit Card rewards you every time you pay for petrol or diesel using your card. Unlike regular cards, these are tailored to reduce your fuel expenses through:

• Fuel surcharge waivers (usually 1%)
• Cashback or reward points on fuel spends
• Exclusive tie-ups with fuel brands like HPCL, BPCL, or IndianOil

Whether you’re a daily commuter or a long-distance traveler, the best fuel credit card can help you save thousands every year.

Top Fuel Credit Cards to Save Big in 2025

1. IndianOil Axis Bank Credit Card

Fuel Partner: IndianOil

Benefits:

• Earn 4% value back on IndianOil transactions via IOCL outlets.
• 1% fuel surcharge waiver on transactions between ₹200 and ₹5,000.
• Reward points are redeemable for fuel purchases.

Annual Fee: ₹500

Best for: Regular IndianOil users seeking consistent fuel rewards.

2. HPCL Bank of Baroda ENERGIE Credit Card

Fuel Partner: HPCL

Benefits:

• 24 reward points per ₹150 spent at HPCL stations via HP Pay app.
• 1% fuel surcharge waiver.
• Cashback on grocery and utility bills.

Annual Fee: ₹499

Best for: Commuters who refuel frequently at HPCL stations.

3. ICICI Bank HPCL Super Saver Credit Card

Fuel Partner: HPCL

Benefits:

• 5% cashback on fuel at HPCL pumps via HP Pay.
• 1.5% cashback on utility and grocery payments.
• Complimentary access to domestic airport lounges.

Annual Fee: ₹500

Best for: Families looking for both fuel and lifestyle benefits.

4. BPCL SBI Card Octane

Fuel Partner: Bharat Petroleum (BPCL)

Benefits:

• 7.25% value back on fuel at BPCL outlets.
• 1% fuel surcharge waiver.
• 25X reward points on BPCL fuel spends.

Annual Fee: ₹1,499

Best for: Heavy travelers and long-distance drivers.

5. HDFC Bharat CashBack Credit Card

Fuel Partner: Bharat Petroleum & All Fuel Pumps

Benefits:

• 5% cashback on fuel, groceries, and bill payments.
• Accepted at all major fuel stations.
• 1% fuel surcharge waiver across India.

Annual Fee: ₹500

Best for: Those who prefer flexible fuel options.

How to Choose the Right Fuel Credit Card

When selecting the best fuel credit card in India, consider:

• Your preferred fuel brand (BPCL, HPCL, IndianOil)
• Average monthly fuel spend
• Additional benefits (cashback, rewards, lounge access)
• Annual fee vs savings potential

Using a Fuel Rewards Credit Card that matches your lifestyle ensures maximum value from every fuel transaction.

Tips to Maximize Savings on Fuel Credit Cards

• Use your card only at partner fuel stations to earn maximum cashback.
• Track your monthly reward redemptions regularly.
• Combine offers from credit card apps and fuel loyalty programs.
• Always pay bills in full to avoid interest charges that offset your savings.

Fuel expenses are unavoidable, but smart spending can turn them into savings. The Best Credit Cards in India help you earn cashback, rewards, and waivers — easing the pinch of high petrol prices.

Whether you’re loyal to HPCL, IndianOil, or BPCL, the right Fuel Credit Card ensures that every drive adds value to your wallet.

Start saving today with a Fuel Credit Card from your preferred bank and make every refill rewarding!