Best for Fuel
Petrol pump rewards and surcharge waivers with Value for Money weighted boost for regular drivers.
306 cards ranked | Updated December 2025
Key Ranking Factors
Petrol pump rewards
Surcharge waiver
Pump chain bonuses
Savings vs fee
Score: 9053
Federal Bank Scapia
Score: 946
Score: 554
Score: 500
Score: 386
Score: 380
Score: 356
Score: 337
Score: 299
Score: 225
Score: 168
Score: 161
Axis Bank Vistara Infinite
Score: 159
Score: 155
Score: 155
Score: 152
Score: 144
BOBCARD Eterna Credit Card
Score: 143
Score: 142
Score: 135
Score: 135
Score: 135
Score: 135
Score: 135
Score: 135
Score: 135
Score: 135
Score: 135
Score: 135
Score: 127
Standard Chartered Super Value Titanium
Score: 127
Score: 121
Score: 121
BOBCARD Premier Credit Card
Score: 120
Score: 116
Score: 116
Score: 116
Altura
Score: 116
Score: 116
AU SPONT Credit Card
Score: 116
Score: 116
Score: 116
Score: 116
Score: 116
Score: 116
Score: 116
Score: 116
Score: 116
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 betterSurcharge Waiver
Yes preferredWhat 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.