Leaderboards / Spend Categories

Best for Fuel

Petrol pump rewards and surcharge waivers with Value for Money weighted boost for regular drivers.

42 cards ranked | Updated February 2026

Key Ranking Factors

40% Fuel Rate

Petrol pump rewards

30% Surcharge

Surcharge waiver

20% Partners

Pump chain bonuses

10% Value

Savings vs fee

🥇
HDFC Bharat

HDFC Bharat

HDFC Bank
Cashback Entry Level ₹500/yr
3.5 Our Rating
APPLY NOW

on HDFC Bank's website

Score

Score: 489

Top 3%
🥈
IDFC FIRST Power

IDFC FIRST Power

IDFC First Bank
Co-Branded Entry Level ₹199/yr
3.6 Our Rating
APPLY NOW

on IDFC First Bank's website

Score

Score: 399

Top 5%
🥉
BPCL SBI Card OCTANE

BPCL SBI Card OCTANE

SBI Cards
Co-Branded Fuel ₹1,499/yr
2.9 Our Rating
APPLY NOW

on SBI Cards's website

Score

Score: 356

Top 8%
#4
IndianOil HDFC Bank

IndianOil HDFC Bank

HDFC Bank
Co-Branded Entry Level ₹500/yr
3.6 Our Rating
APPLY NOW

on HDFC Bank's website

Score

Score: 206

Top 10%
#5

Standard Chartered Platinum Rewards

Dining Entry Level ₹250/yr
3.4 Our Rating
APPLY NOW

on Standard Chartered Bank's website

Score

Score: 193

Top 12%
#6

HDFC CSC Small Business MoneyBack

HDFC Bank
Business Cashback ₹500/yr
3.0 Our Rating
APPLY NOW

on HDFC Bank's website

Score

Score: 129

Top 15%
#6
BPCL SBI Card

BPCL SBI Card

SBI Cards
Co-Branded Entry Level ₹499/yr
3.5 Our Rating
APPLY NOW

on SBI Cards's website

Score

Score: 129

Top 15%
#8
Axis Bank Ace

Axis Bank Ace

Axis Bank
Cashback Entry Level ₹499/yr
3.7 Our Rating
APPLY NOW

on Axis Bank's website

Score

Score: 103

Top 20%
#8

Paytm HDFC Bank Business

HDFC Bank
Business Cashback ₹500/yr
3.6 Our Rating
APPLY NOW

on HDFC Bank's website

Score

Score: 103

Top 20%
#10
MakeMyTrip ICICI Bank

MakeMyTrip ICICI Bank

ICICI Bank
Co-Branded Lounge Access ₹999/yr
3.8 Our Rating
APPLY NOW

on ICICI Bank's website

Score

Score: 91

Top 24%
#11
HSBC Visa Platinum

HSBC Visa Platinum

Entry Level Fuel ₹0/yr
4.1 Our Rating
APPLY NOW

on HSBC Bank's website

Score

Score: 75

Top 27%
#12

IRCTC HDFC Bank

HDFC Bank
Co-Branded Lounge Access ₹500/yr
3.5 Our Rating
APPLY NOW

on HDFC Bank's website

Score

Score: 64

Top 29%
#12
Shoppers Stop HDFC Bank

Shoppers Stop HDFC Bank

HDFC Bank
Co-Branded Entry Level ₹299/yr
3.0 Our Rating
APPLY NOW

on HDFC Bank's website

Score

Score: 64

Top 29%
#12

HDFC World MasterCard

HDFC Bank
Lounge Access Rewards ₹500/yr
3.7 Our Rating
APPLY NOW

on HDFC Bank's website

Score

Score: 64

Top 29%
#12
SimplySAVE SBI Card

SimplySAVE SBI Card

SBI Cards
Dining Entry Level ₹499/yr
3.3 Our Rating
APPLY NOW

on SBI Cards's website

Score

Score: 64

Top 29%
#16
SBI Card Pulse

SBI Card Pulse

SBI Cards
Lifestyle Lounge Access ₹1,499/yr
3.2 Our Rating
APPLY NOW

on SBI Cards's website

Score

Score: 60

Top 39%
#17
HDFC Diners Club Miles

HDFC Diners Club Miles

HDFC Bank
Dining Lounge Access ₹1,000/yr
3.9 Our Rating
APPLY NOW

on HDFC Bank's website

Score

Score: 51

Top 41%
#18
Doctor's SBI Card (IMA)

Doctor's SBI Card (IMA)

SBI Cards
Co-Branded Lounge Access ₹1,499/yr
3.2 Our Rating
APPLY NOW

on SBI Cards's website

Score

Score: 49

Top 43%
#19
Amazon Pay ICICI Bank

Amazon Pay ICICI Bank

ICICI Bank
Cashback Co-Branded ₹0/yr
4.2 Our Rating
APPLY NOW

on ICICI Bank's website

Score

Score: 45

Top 46%
#20
Flipkart Axis Bank

Flipkart Axis Bank

Axis Bank
Co-Branded Shopping ₹500/yr
3.7 Our Rating
APPLY NOW

on Axis Bank's website

Score

Score: 39

Top 48%
#20
Tata Neu Plus HDFC Bank

Tata Neu Plus HDFC Bank

HDFC Bank
Cashback Co-Branded ₹499/yr
3.4 Our Rating
APPLY NOW

on HDFC Bank's website

Score

Score: 39

Top 48%
#20
Flipkart SBI Card

Flipkart SBI Card

SBI Cards
Cashback Co-Branded ₹500/yr
3.9 Our Rating
APPLY NOW

on SBI Cards's website

Score

Score: 39

Top 48%
#20
Axis Bank Airtel

Axis Bank Airtel

Axis Bank
Cashback Co-Branded ₹500/yr
3.8 Our Rating
APPLY NOW

on Axis Bank's website

Score

Score: 39

Top 48%
#20
HDFC Pixel Play

HDFC Pixel Play

HDFC Bank
Cashback Dining ₹500/yr
3.9 Our Rating
APPLY NOW

on HDFC Bank's website

Score

Score: 39

Top 48%
#20
HDFC Pixel Go

HDFC Pixel Go

HDFC Bank
Cashback Entry Level ₹250/yr
3.4 Our Rating
APPLY NOW

on HDFC Bank's website

Score

Score: 39

Top 48%
#20
Paytm HDFC Bank SELECT Business

Paytm HDFC Bank SELECT Business

HDFC Bank
Business Cashback ₹500/yr
3.8 Our Rating
APPLY NOW

on HDFC Bank's website

Score

Score: 39

Top 48%
#20
Flipkart Wholesale HDFC Bank

Flipkart Wholesale HDFC Bank

HDFC Bank
Cashback Co-Branded ₹499/yr
3.8 Our Rating
APPLY NOW

on HDFC Bank's website

Score

Score: 39

Top 48%
#20
HDFC Business Platinum

HDFC Business Platinum

HDFC Bank
Business Cashback ₹299/yr
3.4 Our Rating
APPLY NOW

on HDFC Bank's website

Score

Score: 39

Top 48%
#20
HSBC RuPay Cashback

HSBC RuPay Cashback

Cashback Dining ₹499/yr
2.8 Our Rating
APPLY NOW

on HSBC Bank's website

Score

Score: 39

Top 48%
#20
Standard Chartered EaseMyTrip

Standard Chartered EaseMyTrip

Co-Branded Entry Level ₹350/yr
3.0 Our Rating
APPLY NOW

on Standard Chartered Bank's website

Score

Score: 39

Top 48%
#20
Standard Chartered Smart

Standard Chartered Smart

Cashback Entry Level ₹499/yr
3.6 Our Rating
APPLY NOW

on Standard Chartered Bank's website

Score

Score: 39

Top 48%
#20
Tata Neu Plus SBI Card

Tata Neu Plus SBI Card

SBI Cards
Co-Branded Entry Level ₹499/yr
3.4 Our Rating
APPLY NOW

on SBI Cards's website

Score

Score: 39

Top 48%
#20
Swiggy HDFC Bank

Swiggy HDFC Bank

HDFC Bank
Cashback Co-Branded ₹500/yr
3.9 Our Rating
APPLY NOW

on HDFC Bank's website

Score

Score: 39

Top 48%
#34
HDFC Business Regalia

HDFC Business Regalia

HDFC Bank
Business Lifestyle ₹2,500/yr
3.2 Our Rating
APPLY NOW

on HDFC Bank's website

Score

Score: 37

Top 81%
#34
HDFC Diners Club Premium

HDFC Diners Club Premium

HDFC Bank
Lifestyle Lounge Access ₹2,500/yr
3.8 Our Rating
APPLY NOW

on HDFC Bank's website

Score

Score: 37

Top 81%
#34
HDFC InterMiles Signature

HDFC InterMiles Signature

HDFC Bank
Co-Branded Lounge Access ₹2,500/yr
3.8 Our Rating
APPLY NOW

on HDFC Bank's website

Score

Score: 37

Top 81%
#37
HDFC Millennia

HDFC Millennia

HDFC Bank
Cashback Entry Level ₹1,000/yr
3.4 Our Rating
APPLY NOW

on HDFC Bank's website

Score

Score: 30

Top 89%
#37
Cashback SBI Card

Cashback SBI Card

SBI Cards
Cashback Entry Level ₹999/yr
3.3 Our Rating
APPLY NOW

on SBI Cards's website

Score

Score: 30

Top 89%
#37
HSBC Live+

HSBC Live+

Cashback Dining ₹999/yr
3.6 Our Rating
APPLY NOW

on HSBC Bank's website

Score

Score: 30

Top 89%
#40

Air India SBI Signature Card

SBI Cards
Co-Branded Lounge Access ₹4,999/yr
3.3 Our Rating
APPLY NOW

on SBI Cards's website

Score

Score: 28

Top 96%
#41
HDFC Doctors Superia

HDFC Doctors Superia

HDFC Bank
Dining Healthcare ₹1,000/yr
2.9 Our Rating
APPLY NOW

on HDFC Bank's website

Score

Score: 24

Top 98%
#42
Tata Neu Infinity SBI Card

Tata Neu Infinity SBI Card

SBI Cards
Co-Branded Lounge Access ₹1,499/yr
3.8 Our Rating
APPLY NOW

on SBI Cards's website

Score

Score: 22

Top 100%

About Fuel Rankings

With fuel costs significant for many, fuel surcharge waivers and fuel rewards can save hundreds monthly. We apply VFM^1.2 boost since fuel is an essential expense for drivers.

How We Rank Fuel Cards

  • Fuel rewards: Earning rate at petrol pumps
  • Surcharge waiver: 1% surcharge waiver saves on every fill
  • Partnerships: HPCL, IOCL, BPCL specific bonuses
  • VFM^1.2 boost: Essential spending gets extra weight

Fuel Rewards

Higher is better

Surcharge Waiver

Yes preferred

What Makes a Great Fuel Card

  • Fuel surcharge waiver: 1% waiver on ₹400-5,000 transactions
  • Fuel rewards: Additional rewards on top of waiver
  • Reasonable caps: Monthly waiver limits that match your spending
  • Partner bonuses: Extra rewards at specific pump chains

Who Needs a Fuel Card

  • Daily commuters with regular fuel expenses
  • Road trip enthusiasts
  • Anyone spending ₹5,000+ monthly on fuel

Maximizing Fuel Benefits

  • Check transaction limits: Surcharge waiver typically applies to ₹400-5,000 transactions
  • Fill optimally: Split large fills to stay within waiver limits
  • Use partner pumps: Get extra rewards at affiliated stations

Fuel Card FAQ

What's a fuel surcharge waiver?

Petrol pumps charge ~1% surcharge on card payments. A surcharge waiver means the card refunds this charge, effectively giving you 1% back on fuel spending.

Bottom Line

For regular drivers, fuel cards deliver consistent savings through surcharge waivers and fuel rewards. Even modest savings add up over months of regular fill-ups.

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