Leaderboards / Spend Categories

Best for Fuel

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

1 cards ranked | Updated January 2026

Key Ranking Factors

40% Fuel Rate

Petrol pump rewards

30% Surcharge

Surcharge waiver

20% Partners

Pump chain bonuses

10% Value

Savings vs fee

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Flipkart Axis Bank Credit Card

Co-Branded Shopping ₹500/yr

Score

Score: 39

Top 100%

Score

Score: 39

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.

Learn more about our methodology