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Best Fuel in India 2026

Compare the best fuel in India. 8 cards ranked by our experts.

Showing 8 cards

Best for: Regular BPCL fuel users seeking 7.25% value-back, commuters wanting fuel surcharge waiver, and everyday spenders on dining, grocery and movies.
BPCL SBI Card OCTANE

BPCL SBI Card OCTANE

2.9 CardNitty rating
APPLY NOW on SBI Cards's website

Annual fee

₹1,499

#54

Rewards rate

₹0.25 - ₹5.62/₹100

#29

Joining fee

₹1,499

#52

Interest rate

42.00%

#14
Card details
Forex Markup
3.50% #27
Domestic Lounge
4/year #38
Min Credit Score
750+ #50
Categories Co-Branded, Fuel, Lounge Access, Rewards
View full details
CardNitty's take

Pros

  • Up to 7.25% value-back on BPCL fuel purchases
  • 10X rewards on dining, grocery, departmental stores and movies
  • 4 complimentary domestic airport lounge visits per year
  • Annual fee waived on Rs. 2 Lakh spend
  • Instant reward point redemption at BPCL pumps

Cons

  • Only 0.25% reward rate on non-category spends
  • Fuel rewards limited to BPCL stations only
  • 3.5% forex markup is on the higher side
  • No international lounge access
Read full review
Best for: Regular IndianOil fuel station users who also spend on groceries and utility bills. Best suited for individuals looking for a low-fee fuel credit card with UPI support via RuPay network.
IndianOil HDFC Bank

IndianOil HDFC Bank

3.6 CardNitty rating
APPLY NOW on HDFC Bank's website Rates & Fees

Annual fee

₹500

#21

Rewards rate

₹0.64 - ₹7.30/₹100

#22

Joining fee

₹500

#21

Interest rate

41.88%

#7
Card details
Forex Markup
3.50% #27
Min Credit Score
700+ #3
Categories Co-Branded, Entry Level, Fuel, Rewards
View full details
CardNitty's take

Pros

  • Accelerated 5% Fuel Points at IndianOil outlets, groceries, and bill payments
  • Fuel surcharge waiver of 1% at all petrol pumps across India
  • Excellent redemption rate of Rs. 0.96 per Fuel Point via XTRAREWARDS
  • Low annual fee of Rs. 500 with easy waiver on Rs. 50,000 spend
  • RuPay network enables UPI-linked credit card payments
  • Complimentary IndianOil XTRAREWARDS Program membership
  • Up to 50 litres of free fuel annually

Cons

  • Low monthly caps on Fuel Points (150 FP after 6 months)
  • Complex redemption process requiring XTRAREWARDS conversion
  • No lounge access, travel, dining, or shopping benefits
  • High forex markup of 3.5% makes it poor for international use
  • Fuel Points value drops to Rs. 0.20 for non-fuel redemptions
Read full review
Best for: Budget-conscious individuals who want cashback on everyday spends like fuel, groceries, mobile recharges, and bill payments. Ideal for first-time credit card users.
HDFC Bharat

HDFC Bharat

3.5 CardNitty rating
APPLY NOW on HDFC Bank's website Rates & Fees

Annual fee

₹500

#21

Rewards rate

₹2.50/₹100

#32

Joining fee

₹500

#21

Interest rate

41.88%

#7
Card details
Forex Markup
3.50% #27
Min Credit Score
700+ #3
Categories Cashback, Entry Level, Fuel
View full details
CardNitty's take

Pros

  • Affordable Rs. 500 annual fee with spend-based waiver at Rs. 20,000
  • 5% cashback on fuel, grocery, IRCTC, bill payments
  • 5% cashback on PayZapp, SmartBuy and EasyEMI
  • Rs. 50 Lakhs accidental death insurance cover
  • 1% fuel surcharge waiver at all fuel stations
  • Zero lost card liability protection

Cons

  • Cashback capped at Rs. 150 per category per month (Rs. 300 total)
  • No lounge access or dining benefits
  • High forex markup of 3.5%
  • Reward redemption capped at 3,000 points/month
  • New applications stopped by HDFC Bank
Read full review
Best for: Self-employed professionals and SME owners with annual ITR above Rs.12 lakh who spend on GST, income tax, Google/Meta ads, business software, and travel bookings.
HDFC Biz Power

HDFC Biz Power

3.7 CardNitty rating
APPLY NOW on HDFC Bank's website Rates & Fees

Annual fee

₹2,500

#61

Rewards rate

₹1.33 - ₹9.16/₹100

#7

Joining fee

₹2,500

#59

Interest rate

43.20%

#19
Card details
Forex Markup
2.00% #7
Domestic Lounge
8/year #19
Min Credit Score
750+ #50
Categories Business, Fuel, Lounge Access, Rewards
View full details
CardNitty's take

Pros

  • Earn 5X reward points on business-essential spends like tax, GST, ads, and software
  • Up to 16 domestic + 6 international lounge visits per year
  • Strong quarterly milestone benefits (Rs.2,500 vouchers)
  • Best redemption value of Rs.0.65 per point on Business Catalogue
  • Up to 40% off on business software via SmartBuy BizDeals

Cons

  • No complimentary insurance - business insurance is paid (from Rs.3,785/year)
  • 1% surcharge on rent, fuel (>Rs.30K), and utility (>Rs.75K) transactions
  • Fuel, wallet, rent, education, and EMI spends excluded from rewards
  • No concierge or priority customer care
Read full review
Best for: Budget-conscious users wanting a lifetime free card with air miles conversion and fuel benefits
HSBC Visa Platinum

HSBC Visa Platinum

4.1 CardNitty rating
APPLY NOW on HSBC Bank's website

Annual fee

FREE

Rewards rate

₹4.00/₹100

#50

Joining fee

FREE

Interest rate

45.00%

#37
Card details
Forex Markup
3.50% #27
Min Credit Score
750+ #50
Categories Entry Level, Fuel, Lifetime Free, Rewards
View full details
CardNitty's take

Pros

  • Lifetime free - zero joining and annual fees
  • Air miles conversion to 14+ airline partners
  • Rs.250 fuel cashback per quarter on contactless payments
  • Visa Signature perks including Times Prime membership
  • 3-year reward point validity

Cons

  • No airport lounge access
  • High 3.5% forex markup
  • Many reward exclusion categories
  • Average base reward rate of 0.67%
Read full review
Best for: Frequent Indian Railways travelers who book via IRCTC and want to maximize savings on train tickets with value back rewards and railway lounge access.
IRCTC SBI Card Premier

IRCTC SBI Card Premier

3.1 CardNitty rating
APPLY NOW on SBI Cards's website

Annual fee

₹1,499

#54

Rewards rate

₹0.80 - ₹2.40/₹100

#14

Joining fee

₹1,499

#52

Interest rate

42.00%

#14
Card details
Forex Markup
3.50% #27
Min Credit Score
750+ #50
Categories Co-Branded, Fuel, Lounge Access, Rewards, Travel
View full details
CardNitty's take

Pros

  • Up to 10% value back on IRCTC railway bookings
  • 1 Reward Point = Rs 1 (excellent point value)
  • Welcome bonus offsets joining fee entirely
  • 8 complimentary railway lounge visits per year
  • Milestone rewards up to Rs 7,500 annually
  • 1% fuel surcharge waiver
  • Annual fee waiver on Rs 2L spend

Cons

  • Low base reward rate of 0.8% on general spends
  • High forex markup of 3.5%
  • No airport lounge access
  • Air accident and rail accident insurance discontinued from July 2025
  • Reward Points tied to IRCTC loyalty account
  • No concierge or premium lifestyle benefits
Read full review
Best for: Frequent BPCL fuel users seeking 4.25% value back, everyday spenders on grocery and dining, budget-conscious users wanting low-fee fuel card with easy annual fee waiver.
BPCL SBI Card

BPCL SBI Card

3.5 CardNitty rating
APPLY NOW on SBI Cards's website

Annual fee

₹499

#9

Rewards rate

₹0.25 - ₹3.25/₹100

#56

Joining fee

₹499

#10

Interest rate

45.00%

#37
Card details
Forex Markup
3.50% #27
Min Credit Score
700+ #3
Categories Co-Branded, Entry Level, Fuel, Rewards
View full details
CardNitty's take

Pros

  • Strong 4.25% value back on BPCL fuel
  • 5X rewards on dining, grocery, departmental stores and movies
  • Low annual fee of Rs. 499 with easy waiver at Rs. 50K spend
  • Instant reward redemption at 1200+ BPCL outlets
  • Welcome bonus covers the joining fee

Cons

  • No airport lounge access
  • No insurance or travel benefits
  • Low 0.25% reward rate on non-category spends
  • Benefits limited to BPCL fuel stations only
  • High forex markup of 3.5%
Read full review
Best for: Regular HPCL fuel users looking for a low-fee fuel card with savings on everyday expenses including grocery, utility, and FASTag recharges.
IDFC FIRST Power

IDFC FIRST Power

3.6 CardNitty rating
APPLY NOW on IDFC First Bank's website

Annual fee

₹199

#2

Rewards rate

₹0.33 - ₹3.02/₹100

#23

Joining fee

₹199

#3

Interest rate

46.20%

#87
Card details
Forex Markup
3.50% #27
Min Credit Score
750+ #50
Categories Co-Branded, Entry Level, Fuel, Rewards
View full details
CardNitty's take

Pros

  • Up to 5% savings on HPCL fuel with HP Pay App
  • Low annual fee of Rs.199 with easy waiver at Rs.50K spend
  • Never-expiring reward points
  • 2.5% savings on grocery, utility and FASTag
  • Interest-free ATM cash withdrawal for up to 45 days
  • Comprehensive insurance coverage including personal accident

Cons

  • No airport lounge access on base variant
  • Fuel savings limited to HPCL stations only
  • High forex markup of 3.5%
  • Reward caps on fuel, grocery and utility categories
Read full review

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