Most credit cards earn nothing on fuel, and many add a 1% surcharge. Fuel credit cards are the exception: co-branded with oil companies, they give 5–7% back at their partner pumps plus a fuel surcharge waiver.
If you spend ₹5,000 or more a month on petrol or diesel, a fuel card can save you several thousand rupees a year.
Why we picked it: 7.25% value-back at BPCL pumps, plus 6.25% on dining, groceries and movies.
Why we picked it: Up to 6.5% at HPCL, 5% on groceries and bills, and UPI support, for a low ₹499 fee.
| Card | Best for | Annual fee | Headline benefit | Lounge |
|---|---|---|---|---|
| BPCL SBI Card OCTANE | Heavy fuel users | ₹1,499 | 7.25% on BPCL fuel | Domestic |
| IDFC FIRST Power+ | Fuel & daily essentials | ₹499 | 6.5% on HPCL fuel | None |
Still unsure? Use the card finder to see which card earns the most on your own spends.
BPCL SBI Card OCTANE offers 7.25% value-back at BPCL, the highest of the major fuel cards. If you use HPCL, IDFC FIRST Power+ gives up to 6.5%.
Usually not. Most cards exclude fuel from rewards, which is why a dedicated fuel card helps heavy drivers.