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Ranked

Best Fuel Credit Cards

Surcharge waiver plus accelerated rewards at petrol pumps.

By Nishit Kumar, Founder & Editor
Updated 17 August 2026
  1. Best overall
    SBI Card · Visa

    BPCL SBI Card Octane

    Best for heavy car users who can fuel at bpcl

    25 reward points per ₹100 at BPCL outlets — about 7.25% value back on fuel

    Effective return
    2.5%
    Annual fee
    ₹1,499
    Lounge (dom.)
    4
    Forex markup
    3.50%

    Our take. If you spend ₹8,000 a month on fuel and a BPCL pump is convenient, this returns roughly ₹7,000 a year against a ₹1,499 fee. If BPCL is not convenient, none of that applies.

    Credsir rating
    2.6/5
    Check your eligibilityRead full review

    Min. income ₹3,60,000 · Score 730+

  2. #2
    ICICI Bank · Visa

    HPCL Super Saver ICICI Bank Credit Card

    Best for fuel plus household bills at a low fee

    Up to 6.5% value back on HPCL fuel, plus 5% on utility and grocery spends

    Effective return
    2.0%
    Annual fee
    ₹500
    Lounge (dom.)
    4
    Forex markup
    3.50%

    Our take. A cheaper alternative to the BPCL Octane if your fuel spend is moderate. The 5% on utilities and groceries is what makes the ₹500 fee easy to justify.

    Credsir rating
    2.5/5
    Check your eligibilityRead full review

    Min. income ₹3,00,000 · Score 720+

Effective reward rate is our own blended estimate for a typical spend mix — not the accelerated rate an issuer advertises on one category. Annual fees are shown before the 18% GST that is charged on top. Verify current terms on the issuer’s site before applying; card terms change without notice.

Data as of 15 Aug 2026Source: Issuer tariff sheets and published comparisonsPending issuer verification

Questions

How do you decide what makes this best fuel credit cards list?

Every product is scored on the same fields — effective return, total cost including fees and GST, benefits, and how obtainable it actually is. The weights are published on our methodology page, and the score is computed, not assigned by an editor.

How often is this page updated?

Rate tables are refreshed weekly, and immediately after an RBI policy change or a Budget announcement. Every figure on the page carries the date it was captured and a link to its source, so you can always see how current it is.

Does Credsir get paid to rank products here?

No. We earn from partner links and advertising, but rankings come from a published scoring formula that runs identically on every product, whether we earn from it or not. Products we make nothing from appear in these lists whenever they win on the numbers.

Are these the rates I will actually be offered?

Advertised rates are the best case, reserved for applicants with a high credit score, stable income and a favourable profile. Your offer depends on your credit score, employer, income and existing obligations. Treat published rates as the floor, not the quote.

Related reading

Worth knowing.Rates, fees and terms change frequently and vary by applicant. Everything here is general information, not personalised advice. Confirm the current terms directly with the institution before you apply. How we research and rate.