1. BPCL SBI Card OCTANE
Annual fee ₹1,499 · Rewards up to 6.25% · You keep ₹9,150* a year
The BPCL SBI Card OCTANE gives 25 reward points per ₹100 on BPCL fuel and 10 points per ₹100 on groceries, department stores, dining and movies. Reward points can be used for free fuel at BPCL outlets.
- 6.25% on BPCL pumps
- 6.25% on Bharat Gas
- 2.5% on groceries
- 2.5% on dining and food delivery
- RBL BankIndianOil RBL Bank XTRARuPay
2. IndianOil RBL Bank XTRA Credit Card
Annual fee ₹1,500 · Rewards up to 7.5% · You keep ₹6,630* a year
The IndianOil RBL Bank XTRA Credit Card gives 15 fuel points per ₹100 at select IndianOil fuel stations, about 7.5% back when used at IndianOil. Other spends earn 2 points per ₹100, and the ₹1,500 fee is waived on ₹2.75 lakh of yearly spends.
- 7.5% on IndianOil pumps
- 1% on other spends
3. HPCL FIRST Power+ Credit Card
Annual fee ₹499 · Rewards up to 5% · You keep ₹6,300* a year
The HPCL FIRST Power+ Credit Card gives 5% back as reward points on HPCL fuel, grocery, utility bills and IDFC FIRST FASTag, plus 1.5% more on HPCL fuel paid through the HP Pay app. It costs ₹499 a year, reversed on ₹1.5 lakh of yearly spends.
- 5% on HPCL pumps
- 5% on groceries
- 5% on bills and utilities
- 0.5% on other spends
4. Kotak Cashback+ Credit Card
Annual fee ₹750 · Rewards up to 5% · You keep ₹6,180* a year
The Kotak Cashback+ Credit Card gives 5% back on online food and grocery delivery, movie tickets and OTT, and 3% on fuel, up to ₹750 a billing cycle. Other spends earn 0.5% with no limit.
- 5% on Swiggy, Zomato
- 5% on BigBasket, Blinkit
- 5% on BookMyShow
- 3% on fuel
5. IndianOil RBL Bank Credit Card
Annual fee ₹500 · Rewards up to 5% · You keep ₹5,400* a year
The IndianOil RBL Bank Credit Card gives 10 fuel points per ₹100 at select IndianOil fuel stations, about 5% back when used at IndianOil. Other spends earn 1 point per ₹100, and the ₹500 fee is waived on ₹1.75 lakh of yearly spends.
- 5% on IndianOil pumps
- 0.5% on other spends
6. IndianOil Kotak Credit Card
Annual fee ₹449 · Rewards up to 4% · You keep ₹5,220* a year
The IndianOil Kotak Credit Card is Kotak's fuel card: 24 reward points per ₹150 at IndianOil pumps, worth 4%, plus a 1% surcharge waiver, for up to 5% savings on fuel. Groceries and dining earn 2%, and the ₹449 fee is waived on ₹50,000 of yearly spends.
- 4% on IndianOil pumps
- 2% on groceries
- 2% on dining and food delivery
- 0.5% on other spends
7. IndianOil HDFC Bank Credit Card
Annual fee ₹500 · Rewards up to 4.8% · You keep ₹4,418* a year
The IndianOil HDFC Bank Credit Card gives 5% back as Fuel Points at IndianOil outlets and on groceries and bill payments, within small monthly caps. Fuel Points give the most value when you use them for free fuel at IndianOil.
- 4.8% on IndianOil pumps
- 4.8% on groceries
- 4.8% on bills and utilities
- 0.64% on other spends
8. BPCL SBI Credit Card
Annual fee ₹499 · Rewards up to 3.25% · You keep ₹4,080* a year
The BPCL SBI Credit Card gives 13 reward points per ₹100 on BPCL fuel and 5 points per ₹100 on groceries, department stores, dining and movies. It suits people who fill fuel at BPCL pumps and want a low fee.
- 3.25% on BPCL pumps
- 1.25% on groceries
- 1.25% on dining and food delivery
- 0.25% on other spends
9. ICICI Bank HPCL Super Saver Credit Card
Annual fee ₹500 · Rewards up to 5% · You keep ₹3,900* a year
The ICICI Bank HPCL Super Saver Credit Card is the higher of ICICI Bank's two HPCL cards: 4% cashback on HPCL fuel (up to ₹200 a month) plus 5% back as points on groceries, utility bills and department stores. It also adds roadside assistance and a quarterly lounge visit, which the cheaper HPCL Coral card does not have.
- 4% on HPCL pumps
- 5% on groceries
- 5% on bills and utilities
- 0.5% on other spends
10. HPCL FIRST Power Credit Card
Annual fee ₹199 · Rewards up to 3.5% · You keep ₹3,499* a year
The HPCL FIRST Power Credit Card is the lower-fee sibling of the Power+: ₹199 a year instead of ₹499, waived on just ₹50,000 of yearly spends, but it earns 3.5% as points on HPCL fuel instead of 5% and has no lounge access. Grocery, utility bills and IDFC FIRST FASTag earn 2.5%, and there is no foreign currency markup.
- 3.5% on HPCL pumps
- 2.5% on groceries
- 2.5% on bills and utilities
- 0.33% on other spends
11. IndianOil Axis Bank RuPay Credit Card
Annual fee ₹500 · Rewards up to 4% · You keep ₹2,050* a year
The IndianOil Axis Bank RuPay Credit Card gives 20 reward points per ₹100, or 4% value back, on fuel at IndianOil outlets, on up to ₹5,000 of fuel a month. The bank lists it as a UPI card.
- 4% on IndianOil pumps
- 1% on online shopping
- 0.2% on other spends
12. ICICI Bank HPCL Coral Credit Card
Annual fee ₹199 · Rewards up to 2.5% · You keep ₹1,710* a year
The ICICI Bank HPCL Coral Credit Card is the low-fee HPCL card from ICICI Bank: ₹199 a year, waived on ₹50,000 of spends, with 2.5% cashback on HPCL fuel up to ₹100 a month. It suits a two-wheeler rider or small car owner who fills up for about ₹4,000 a month and wants a cheap card, not the bigger grocery and bill rewards of the HPCL Super Saver.
- 2.5% on HPCL pumps
- 0.25% on groceries
- 0.25% on bills and utilities
- 0.5% on other spends
Compare these cards
| Card | Joining fee | Annual fee | Rewards up to | You keep a year |
|---|---|---|---|---|
| BPCL SBI Card OCTANE | ₹1,499 | ₹1,499 | 6.25% | ₹9,150* |
| IndianOil RBL Bank XTRA Credit Card | ₹1,500 | ₹1,500 | 7.5% | ₹6,630* |
| HPCL FIRST Power+ Credit Card | ₹499 | ₹499 | 5% | ₹6,300* |
| Kotak Cashback+ Credit Card | ₹750 | ₹750 | 5% | ₹6,180* |
| IndianOil RBL Bank Credit Card | ₹500 | ₹500 | 5% | ₹5,400* |
| IndianOil Kotak Credit Card | ₹449 | ₹449 | 4% | ₹5,220* |
| IndianOil HDFC Bank Credit Card | ₹500 | ₹500 | 4.8% | ₹4,418* |
| BPCL SBI Credit Card | ₹499 | ₹499 | 3.25% | ₹4,080* |
| ICICI Bank HPCL Super Saver Credit Card | ₹500 | ₹500 | 5% | ₹3,900* |
| HPCL FIRST Power Credit Card | ₹199 | ₹199 | 3.5% | ₹3,499* |
| IndianOil Axis Bank RuPay Credit Card | ₹500 | ₹500 | 4% | ₹2,050* |
| ICICI Bank HPCL Coral Credit Card | ₹199 | ₹199 | 2.5% | ₹1,710* |
How to choose a fuel credit card
- Which fuel brand pays the top rate.
- The monthly limit on fuel rewards.
- How much the fuel surcharge waiver covers.
- What the points are worth and where you can use them.
How we ranked these cards
We work out what each card pays on ₹20,000 a month of regular fuel spending, then take off the renewal fee with GST. We count rewards only up to each limit. We assume you use the brand each card rewards. Welcome gifts and lounge visits are left out. What a bank pays us plays no part. Your own result will differ, so try the credit card finder with your spending.
The bank alone decides approval and your credit limit.
Frequently asked questions
What is a fuel surcharge waiver?
Pumps add a small surcharge on card payments. The waiver refunds it within set limits, and it is separate from any rewards.
Do fuel cards work at every pump?
You can usually pay anywhere, but the top reward rate often applies only at one brand's outlets.
Does the ranking assume my fuel brand?
Yes. We assume you fill up at the brand each card rewards. If you do not, its value will be lower.
*Estimate only, not a promise. We work it out from the bank's published terms and the spending you enter. What you actually get depends on the bank, your transactions and any change in its terms. Fees are before GST.
Some Apply buttons are partner links. What a bank pays us never changes the order or any figure. How we make money