Best Credit Cards for Fuel Savings in India – 2025
If you're spending ₹3,000+ per month on fuel, you’re losing out on serious cashback. Here's how to change that.
Fuel prices in India aren't getting cheaper—but your expenses can. With the right credit card, you can save big every time you refuel your car or bike. Whether you're a daily commuter, a weekend traveler, or a logistics driver, a fuel credit card helps you earn cashback, waive fuel surcharges, and access other perks like lounge entry and dining offers.
🔥 Why Use a Fuel Credit Card?
- ✅ Flat cashback or reward points on fuel transactions
- ✅ Fuel surcharge waiver (usually 1%)
- ✅ Bonus perks like dining, OTT, and travel offers
- ✅ Save ₹200–₹1,200/month if used smartly
🚗 Best Fuel Credit Cards in India – 2025
1. IndianOil HDFC Credit Card
- Annual Fee: ₹500
- Up to 50 litres free fuel annually
- Earn 5% back at IndianOil outlets
- 1% fuel surcharge waiver
- Best For: IndianOil regular users
2. BPCL SBI Credit Card
- Annual Fee: ₹499
- 13X reward points on BPCL fuel spends
- ₹4,000 annual savings on fuel
- 1% surcharge waiver at all fuel stations
- Best For: Bharat Petroleum loyalists
3. ICICI HPCL Coral Credit Card
- Annual Fee: ₹199 (waived on ₹50,000 spend)
- 2.5% cashback at HPCL pumps
- 1% surcharge waiver
- Free domestic lounge access (1/qtr)
- Best For: Frequent HPCL users
4. AU LIT Credit Card
- Annual Fee: ₹0 (Lifetime Free)
- Customizable fuel benefit packs
- 1% fuel surcharge waiver
- Complimentary lounge access, OTT, cashback
- Best For: Young professionals & flexible spenders
📊 Comparison Table – Fuel Cards India 2025
| Card Name | Annual Fee | Fuel Benefit | Fuel Brand |
|---|---|---|---|
| IndianOil HDFC | ₹500 | 5% back + surcharge waiver | IndianOil |
| BPCL SBI | ₹499 | 13X points, 1% waiver | Bharat Petroleum |
| HPCL ICICI Coral | ₹199 | 2.5% cashback | HPCL |
| AU LIT | ₹0 | Fuel Pack + 1% waiver | Any Fuel Station |
✅ Eligibility Criteria
- Age: 21–60 years
- Income: ₹15,000–30,000 per month
- PAN and Aadhaar mandatory
- CIBIL Score 700+ preferred
🛠️ How to Apply
- Visit official bank site or use our Card Matcher Tool
- Fill in PAN, Aadhaar, and income
- Select a card suited for fuel
- Submit and await instant approval
📌 FAQs – Fuel Credit Cards in India
Which card offers the best fuel cashback in India?
The BPCL SBI and IndianOil HDFC cards are top picks for fuel cashback in 2025.
Can I use fuel cards at all petrol stations?
Brand-specific cards work best at partner stations. AU LIT offers flexibility for all stations.
Is there any lifetime free fuel card?
Yes, AU LIT is lifetime free with fuel perks via customizable packs.
Is 1% fuel surcharge waiver really useful?
Yes, it adds up over time—saving you ₹600–₹1,200/year depending on monthly fuel spend.
Still unsure? Use our Credit Card Matcher Tool and get matched in 60 seconds!
