Synopsis- This article analyses the best fuel credit cards in India for 2025. The report discusses the best fuel credit card options, including HDFC, Axis, SBI, ICICI and others. It includes analysis of card benefits, best brand for select users, spending profile variety and assessing how to select what is right and gain maximised monthly fuel savings.
Fuel prices remain high, resulting in hefty monthly bills for regular commuters, including cab drivers. Fuel credit cards have fuel cashback, rewards points, fuel surcharge waivers, and other benefits that help cut consumer fuel costs. In this article, we will discuss the top fuel cards in India for 2025, including the top three fuel credit cards from HDFC Bank, as well as some other options from Axis, SBI, ICICI and more. When using a standard credit card to purchase fuel, you typically receive low to no savings. A fuel credit card allows you to maximise the value of one of your biggest recurring expenses.
HDFC Fuel Credit Cards
1. IndianOil HDFC Bank Credit Card
The card is co-branded with IndianOil and can be used at more than 20,000 IOCL fuel stations in India. It is well suited to those who refill their tanks regularly at IndianOil pumps.
- Rewards Structure:
- 5% Fuel Points on all transactions at all IOCL fuel stations and on domestic grocery and utility bill payments.
- For the first 6 months, earn up to 250 Fuel Points/month and then earn 150 Fuel Points/month.
- Other categories earn 1 FP for every ₹150 spent.
- Fuel Surcharge Waiver
- 1% waiver on transactions traversing ₹400 and ₹5,000, up to a limit of ₹250, per billing cycle.
- Redemption & Value:
- Fuel Points are redeemed via the IndianOil XTRA REWARDS Program (IXRP).
- 1 FP is valued at approximately ₹0.96 when redeemed for free fuel.
- Other benefits
- Contactless payments allow for expedited payment and program security.
- Fuel Points are valid for 2 years.
- Annual fees ₹500 but waived on spend of ₹50,000 annually.
2. HDFC Bharat Cashback Credit Card
This card provides a flat 5% cashback on essential expenditure, including fuel, utilities and groceries, with no restrictions on brands.
- Key Benefits
- Available to use at any fuel company, i.e. IOCL, BPCL, HPCL, etc.
- Cashbacks are auto added and capped monthly.
- No points to track – simple and flat.
- Best For: The best card for low to moderate fuel spenders or users who are not loyal to a single fuel brand.
- Annual Fee: ₹500 per millennium and waived if annual spend is over ₹50,000.
| Card | Fuel Brand | Benefit | Annual Fee |
|---|---|---|---|
| IndianOil HDFC | IOCL | 5% Fuel Points | ₹500 |
| HDFC Bharat Cashback | All Brands | 5% Cashback | ₹500 |
Top Fuel Credit Cards from Other Banks
1. Axis IndianOil Credit Card
The Edge Cards – India Oil – offers a 4% value-back in EDGE Rewards on fuel transactions done with the card at Indian Oil petrol stations. Additionally, it works with the HP Pay application for the user’s comfort. Customers can redeem for Edge Rewards at more than 20,000 IOCL Pumps. Otherwise, it offers many of the benefits associated with HDFC’s IndianOil card.
- Rewards: 4% EDGE Points on Indian Oil Fuel
- Fuel App: HP Pay
- Annual Fee: ₹500
- Best For: People who use IndianOil frequently and are looking for a respectable alternative through HDFC
2. SBI BPCL Credit Card
This card is popular with BPCL customers who enjoy 13X reward points on BPCL fuel transactions, as well as a 1% fuel surcharge waiver. This makes it a very rewarding option for BPCL refueling if you do it often.
- Rewards: 13X points on BPCL fuel
- Surcharge Waiver: 1% on eligible fuel spending
- Annual Fee: ₹499 (waived on ₹50,000 spent)
- Variants: SBI BPCL Octane that offers higher perks and lounge access.
- Best For: frequent BPCL users who want fuel and premium perks
3. ICICI HPCL Super Saver Credit Card
₹5 cashback for every ₹100 spent on HPCL petroleum by using HP Pay, and an additional 1.5% in rewards on groceries and utilities. Altogether, this card can net a maximum value-back of up to 6.5% on fuel!
- Rewards: ₹5 cashback + 1.5% rewards on groceries and billing
- Usage Tip: Use the HP Pay app at HPCL sites
- Annual fee: ₹500
- Best for: HPCL customers, who also have more diverse spending patterns, bills and shopping
Also read: Best ICICI Lifetime Free Credit Cards in 2025 – Zero Charges, Maximum Rewards
4. IDFC HPCL Power+ Credit Card
An underrated, but value-packed card, IDFC’s Power+ card offers fuel savings of up to 6.5% at HPCL (Hindustan Petroleum Corporation Limited) retailers, as well as savings on FASTag, groceries, and utility bills.
- Rewards: 6.5% savings on fuel + lifestyle rewards
- Annual Fee: Typically, lifetime free/low fee
- Best For: Budget users looking for benefits across multiple categories
5. Kotak IndianOil Credit Card
With up to 4.2% back on IndianOil fuel, this card also rewards on grocery and dining—a good option for people looking for value in everyday categories.
- Rewards: 4.2% on IOCL + lifestyle rewards
- Annual Fee: ₹499 – ₹750
- Best For: IndianOil users who want more than just a fuel benefit
How to Choose the Right Fuel Credit Card
- Fuel Brand Loyalty: Choose a card co-branded with the fuel station you most frequently use: IOCL, HDFC, Axis, Kotak BPCL, SBI HPCL, ICICI, IDFC. If you are a user of multiple fuel brands, you may want to consider HDFC Bharat Cashback.
- Monthly Fuel Spend: Compare your average fuel spend to the card’s reward cap for a given month. Higher spenders: choose SBI Octane or Axis IOCL. Moderate spenders: HDFC Bharat Cashback may be a better choice.
- Annual Fee vs. Rewards: For most cards, the typical annual fee is ₹500/year but often waived if you spend more than ₹50,000 annually. Ensure fuel and bill payments help you reach that figure.
- Ease of Reward Redemption: Choose methods of redemption by what works best for you:
- Fuel Points: XTRAREWARDS, HP Pay
- Cashback: auto-credit to the bill statement
- Extra Perks: Try to find cards that offer rewards on groceries, utilities, or restaurants for additional benefits.
Conclusion
In 2025, fuel credit cards serve more than simple advantages; they’re intelligent financial instruments. HDFC is the frontrunner with a fuel credit card for ardent followers of IOCL fuel outlets as well as casual spenders. An equally sound and helpful option includes Axis, SBI and ICICI. The choice will depend on which fuel brand you prefer to use, how you spend, and how the redemption process occurs. Overall, you want to save meaningfully every month.
Written by N G Sai Rohith
