Best Fuel Credit Cards in India 2019

There are many different credit cards in India that are geared toward fuel consumers. From cashback to points, fuel vouchers and fuel surcharge waivers, we've combed through the market to find the best ones out there for you.

Best Fuel Credit Cards
CashbackSC Super Value Titanium5% on fuel, 5% utilities, phone bill, 0.16% other spend
PointsSC Ultimate3.33% on all spends, Rs. 10,000 on MakeMyTrip
HPCLICICI HPCL Coral Amex4% on HPCL, 0.50% other retail spend; lounge access
MilesSBI Air India Signature20,000 point (Rs. 9,000) welcome bonus
PromotionsYES First Preferred Card20,000 Reward Points, 15,000 point signup bonus
No FeeTATA STAR Titanium1% on retail & fuel, 3% groceries & shopping
SecuredBOB Financial Prime1% cashback on all spend, Rs. 15,000 deposit
No RequirementsICICI HPCL Coral2.5% on HPCL, 0.5% retail purchases
ICICI HPCL Platinum2.5% on HPCL, 0.5% retail purchases
BPCL SBI Credit Card3.5% on BPCL, 1.25% groceries, dining, shopping & more
IndianOil Citi Card2.67% on IndianOil, 1.33% groceries, 0.67% other spend

Best Fuel Cashback Card: Standard Chartered Super Value Titanium Credit Card

Consider this if would prefer excellent cashback on fuel and don't want to be limited to a specific fuel outlet

Age Requirement 21-65
Annual Income Requirement None listed by issuer

Standard Charter's Super Value Titanium Credit Card is the best merchant-agnostic fuel card in regards to cashback on all spends. While it doesn't provide any welcome or renewal bonuses, this card gives an excellent 5% net cashback on all fuel spend, subject to Rs. 750 minimum transaction, with max Rs. 100 cashback per transaction and Rs. 200 per month. Not only that, you'll also earn excellent 5% cashback on utility and phone bill spend (again, be mindful of the earning restrictions). All other categories will get you a lower 0.67% value back, so this is certainly a card for those who are focused on fuel/utilities/phone spend.

Notably, SC Premium Banking customers can avoid the annual fee charge, and will also get a free monthly visit to Priority Pass airport lounges.

  • Annual Fee: Rs. 750 (no charge if SC Premium client)
  • Fuel: 5% cashback (net of surcharge), min transaction Rs. 750, max Rs. 100 cashback/transaction & Rs. 200/month
  • Utilities: 5% cashback, minimum transaction of Rs. 750, max Rs. 100 cashback/month
  • Phone bill: 5% cashback, min transaction of Rs. 750, max Rs. 100 cashback per transaction & Rs. 200 per month
  • Other: 1 point per Rs. 150 spent (Premium Banking: 5x overseas spend)
  • Point Value: 100 points = 53 JPMiles = Rs. 24
  • SC Good Life Program; Premium Banking - Priority Pass (1 free lounge visit per month)
  • Annual Fee: Rs. 750 (waived for SC Premium clients)
  • Fuel: 5% cashback (net of surcharge), min transaction Rs. 750, max Rs. 100 cashback/transaction & Rs. 200/month
  • Utilities: 5% cashback, min transaction Rs. 750, max Rs. 100 cashback/month
  • Phone bill: 5% cashback, min transaction Rs. 750, max Rs. 100 cashback/transaction & Rs. 200/month
  • All other: 1 point/Rs. 150 spent (Premium Banking: 5x overseas spend)
  • Point Value: 100 points = 53 JPMiles = Rs. 24
  • Perks: SC Good Life Program; Premium Banking - Priority Pass (1 free lounge visit/month)

Best Fuel Points Card: Standard Chartered Ultimate Credit Card

Consider this if Consider this if you are looking for a card that will deliver a high point value on all your spends

Age Requirement 21-65
Annual Income Requirement None listed by issuer
Bonuses & Promotions
  • Renewal benefit of 5,000 points
  • Up to ₹ 10,000 cashback on MakeMyTrip if booked within 90 days

The Standard Chartered Ultimate Card is a great overall earnings card with a value back of 3.33% on all spending categories, including fuel (5 points per Rs. 150 spent; 1 point = Rs. 1). This ranks within the top 3 fuel rewards rate among any of the cards in our review. For individuals looking to acquire an overall primary points card, this card is among the highest rewards rate cards for all spending categories. The Standard Chartered Ultimate Card also comes with valuable perks, such as a Rs. 10,000 cashback on bookings via MakeMyTrip and up to 25% discount at 250 restaurants nationwide.

  • Annual Fee: Rs. 5,000
  • Air Travel: Rs. 10,000 cashback on bookings on MakeMyTrip within 90 days of issuance as well as a complimentary membership to the Priority Pass program, which gives cardholders access to over 1000 VIP Airport lounges across the globe, 5% cashback on duty-free transactions
  • Railway: ₹ 25 or 2.5% of transaction (whichever is higher) on railway transactions
  • Restaurants: Up to 25% discount at 250 restaurants nationwide
  • Golf: Access 20 premier golf courses in India and 150 courses worldwide
  • Fuel: Waives Rs. 10 or 1% of transaction (whichever is higher) on fuel transactions
  • Alternative Payment Options: Transactions of over ₹ 5,000 can be converted to EMI, convert balance, up to ₹ 500,000, into EMIs with 0 processing fee, get loans of up to ₹ 500,000 flexible tenure from 12 to 60 months
  • Points Value: 1 point = Rs. 1
  • Annual Fee: Rs. 5,000
  • Fuel: Waives Rs. 10 or 1% of transaction (whichever is higher) on fuel transactions
  • Air Travel: Rs. 10,000 cashback on bookings on MakeMyTrip 90 days of issuance as well as a complimentary membership to the Priority Pass program, which gives cardholders access to over 1000 VIP Airport lounges across the globe, 5% cashback on duty free transactions
  • Railway: ₹ 25 or 2.5% of transaction (whichever is higher) on railway transactions
  • Restaurants: Up to 25% discount at 250 restaurants nationwide
  • Golf: Access 20 premier golf courses in India and 150 courses worldwide
  • Alternative Payment Options: Transactions of over ₹ 5,000 can be converted to EMI, convert balance, up to ₹ 500,000, into EMIs with 0 processing fee, get loans of up to ₹ 500,000 flexible tenure from 12 to 60 months
  • Points Value: 1 point = Rs. 1

Best HPCL Fuel Credit Card: ICICI Bank HPCL Coral American Express Credit Card

Consider this if you fuel at HPCL pumps and you need a card with no income/age requirements

Age Requirement None listed by issuer
Annual Income Requirement None listed by issuer

The ICICI HPCL Coral American Express Card is great for those of any age or income level, as long as you fuel at HPCL, as the card waives all fuel surcharge fees when used at HPCL pumps. Although this card has no bonuses, it still provides great rewards based on your general spend on the card. For example, fuel spend at HPCL pumps will net you an excellent 4% rupee value back (2.5% cashback + 6 points per Rs. 100, where each point is worth Rs. 1.50 in fuel vouchers).

For spends on all other retail categories, you will earn a below average 0.50% rupee value back. Lastly, the card offers American Express Lounge Program access.

  • Annual Fee: Rs. 199 (after 1st year, waived on annual spend of Rs. 50,000)
  • Reward Earn Rate: 6 PAYBACK Points per Rs. 100 spent and 2.5% cashback (Rs. 500 minimum transaction) at HPCL pumps; 2 points per Rs. 100 spent on all other retail categories
  • Point Value: 2,000 PAYBACK Points = Rs. 500 fuel vouchers (25% value)
  • Perks: American Express Lounge Program; movie & dining benefits
  • Fuel Surcharge Waiver: HPCL pumps, minimum transaction Rs. 500
  • Annual Fee: Rs. 199 (after 1st year, waived on annual spend of Rs. 50,000)
  • Reward Earn Rate: 6 PAYBACK Points per Rs. 100 spent and 2.5% cashback (Rs. 500 minimum transaction) at HPCL pumps; 2 points per Rs. 100 spent on all other retail categories
  • Point Value: 2,000 PAYBACK Points = Rs. 500 fuel vouchers (25% value)
  • Perks: American Express Lounge Program; movie & dining benefits
  • Fuel Surcharge Waiver: HPCL pumps, minimum transaction Rs. 500

Best Air Miles Card for Fuel Spending - Air India SBI Signature Card

Consider this if you are looking for a primary card that will be used for more than just fuel

Age Requirement 21-60
Annual Income Requirement None listed by issuer
Bonuses & Promotions
  • Signup bonus of 20,000 points - ₹ 9,000 when converted to cash (Covers fees for approximately two years).
  • By spending ₹ 2,000,000 cardholder receives 50,000 points, by spending ₹ 1,000,000 cardholder receives 30,000 and by spending ₹ 500,000 cardholder receives 20,000 points (Approximately ₹ 45,000 in total)
  • Renewal benefit of 5,000 reward points (₹ 2,250)

The Air India SBI Signature Card is a great card for individuals looking for a primary card with great earnings in all categories. The card is within the top 5 for highest earnings on fuel transactions with a 1.8% value back (4 points on Rs. 100 spends, 1 Reward Point = 1 Airline Mile = Rs. .45), this high rate also applies to transportation, and all other spending categories. Furthermore, the Air India SBI Signature Card will earn a 13.5% rewards rate (30 points per Rs. 100 spent) travel bookings via Air India, the highest within this category.

While the Air India SBI Signature Card has a relatively high annual fee of Rs. 4,999, the fee is offset by the largest sign-up bonus available, of 20,000 points (Rs. 9,000). Additionally, the Air India SBI Signature Card is a great fit for heavy spenders looking for more than just a fuel card as it allows cardholders to receive additional rewards points as they reach certain spending thresholds. For example, by spending Rs. 2,000,000 cardholders receive 50,000 points, by spending Rs. 1,000,000 cardholders receive an additional 30,000 and by spending Rs. 500,000 cardholders receive 20,000 more points. As a result, this card is primarily for heavy spenders that are looking for a primary card to spend on more than just fuel.

  • Annual Fee: Rs. 4,999
  • Reward Earn Rate: 4 points per Rs. 100 on all spends, 30 points per Rs. 100 spent on travel bookings
  • Air Travel: International Airport Luxury Lounge Access to over 600 airport lounges with the complimentary Priority Pass Program, complimentary Visa Lounge Access Program in India at major domestic airports, and 8 complimentary visits per year to Domestic VISA Lounges in India, maximum 2 visits per quarter
  • Fuel Surcharge Waiver: 1% fuel surcharge waiver with your Air India across all petrol pumps with transaction of Rs. 500 to Rs. 4,000 (max surcharge waiver of Rs. 250 per statement cycle)
  • Point Value: 1 reward point = 1 Air India Mile = Rs. 0.45
  • Alternative Payment Options: Convert transactions over Rs. 2,500 to monthly installments within 30 days of purchase through flexipay
  • Annual Fee: Rs. 4,999
  • Reward Earn Rate: 4 points per Rs. 100 on all spends (including grocery & dining), 30 points per Rs. 100 spent on travel bookings
  • Air Travel: International Airport Luxury Lounge Access to over 600 airport lounges with the complimentary Priority Pass Program, complimentary Visa Lounge Access Program in India at major domestic airports, and 8 complimentary visits per year to Domestic VISA Lounges in India, maximum 2 visits per quarter
  • Fuel Surcharge Waiver: 1% fuel surcharge waiver with your Air India across all petrol pumps with transaction of Rs. 500 to Rs. 4,000 (max surcharge waiver of Rs. 250 per statement cycle)
  • Point Value: 1 reward point = 1 Air India Mile = Rs. 0.45
  • Alternative Payment Options: Convert transactions over Rs. 2,500 to monthly installments within 30 days of purchase through flexipay

Best Fuel Card for Promotions- YES First Preferred Credit Card

Consider this if you are looking for a strong fuel card with great promotions

Age Requirement 21-60
Annual Income Requirement Rs. 150,000
Bonuses & Promotions
  • 15,000 points after first swipe within 90 days of card issuance
  • Earn 20,000 Reward Points on achieving annual spends of ₹ 7.5 Lakhs or more in each anniversary year.
  • Renewal benefit of 10,000 points

This card provides an elevated reward rate of 1% (4 points per Rs. 100 on all spends, 1 reward points = Rs. 0.25) on fuel with attractive promotions. The YES First Preferred Card offers a sign-up bonus of 15,000 bonus points for first swipe within the first 90 days of issuance. On top of this, the YES First Preferred Card offers 20,000 reward points if the cardholder achieves annual spends of 7.5 lakhs within a year. Furthermore, the card offers an anniversary renewal benefit of 10,000 points and an additional 1,000 reward points on each Yes PayNow registration (Yes PayNow is a form of autopay for your bills). This is an ideal card for those looking to take advantage of great promotions and earn above average rewards on fuel spends.

  • Annual Fee: Rs. 2,500
  • Reward Earn Rate: 4 points per Rs. 100 on all spends, 8 points per Rs. 100 on dining & travel bookings (travel agencies, tour operators, airline spending)
  • Air Travel: complimentary Priority Pass Membership and 4 complimentary Visits in a calendar year (for Primary Cardmember only), guest visits and visits beyond 4 complimentary visits for Primary Cardmember will be charged, Domestic Lounge access (limited to 3 visits per quarter) for Primary Cardmembers across over 25 Lounges in India
  • Movies: Receive a 25% discount on movie tickets booked on BookMyShow
  • Insurance: Life Insurance Cover of Rs. 1 Cr for death due to flight accidents, medical Insurance coverage of Rs. 25 lakhs for hospital related emergencies when travelling overseas, credit shield coverage in case of accidental death of Primary Cardmember
  • Fuel Surcharge Waiver: 1% fuel surcharge waiver with your Air India across all petrol pumps with transaction of Rs. 500 to Rs. 4,000 (max surcharge waiver of Rs. 250 per statement cycle)
  • Annual Fee: Rs. 2,500
  • Reward Earn Rate: 4 points per Rs. 100 on all spends, 8 points per Rs. 100 on dining & travel bookings (travel agencies, tour operators, airline spending)
  • Air Travel: complimentary Priority Pass Membership and 4 complimentary Visits in a calendar year (for Primary Cardmember only), guest visits and visits beyond 4 complimentary visits for Primary Cardmember will be charged, Domestic Lounge access (limited to 3 visits per quarter) for Primary Cardmembers across over 25 Lounges in India
  • Movies: Receive a 25% discount on movie tickets booked on BookMyShow
  • Insurance: Life Insurance Cover of Rs. 1 Cr for death due to flight accidents, medical Insurance coverage of Rs. 25 lakhs for hospital related emergencies when travelling overseas, credit shield coverage in case of accidental death of Primary Cardmember
  • Fuel Surcharge Waiver: 1% fuel surcharge waiver with your Air India across all petrol pumps with transaction of Rs. 500 to Rs. 4,000 (max surcharge waiver of Rs. 250 per statement cycle)

Best No Annual Fee Credit Card with Fuel Rewards: TATA STAR Titanium Credit Card

Consider this if you spend at least Rs. 100,000 on your credit card annually

Age Requirement None listed by issuer
Annual Income Requirement None listed by issuer
Bonuses
  • Welcome Gift: ₹ 1,000 STAR e-voucher

There are other fuel cards with effectively no annual fee (based on manageable annual spend minimums), but if you don't want to be restricted by fuel outlet, the TATA STAR Titanium card is your best option for fuel rewards. As long as you spend Rs. 100,000 on the card annually, your fee will be waived. You'll also earn a good 1% rupee value back on retail spend, with no explicit fuel exclusion, as many cards have (1 point per Rs. 100 spent, redeemable 1 to 1 for TATA vouchers). This card also provides 3% back on groceries and shopping.

Since the rewards are redeemable for TATA vouchers you must spend enough at TATA outlets each year to be able to utilize the reward benefits fully. Additionally, you can get up to 5% value back on spend at select TATA outlets. Get this card for its flexibility on fuel spend, and especially if you're looking for more of a shopping/groceries credit card.

  • Annual Fee: Rs. 499 (waived on Rs. 100,000 annual spend)
  • Reward Earn Rate: 3 points/Rs. 100 spent on groceries and shopping; 1 point/Rs. 100 on other retail spend; up to 5% value back at select TATA outlets
  • Point Value: 1 point = Rs. 1 TATA vouchers
  • Fuel Surcharge Waiver: Transactions Rs. 500 – 3,000 (max Rs. 100/month)
  • Annual Fee: Rs. 499 (waived on Rs. 100,000 annual spend)
  • Reward Earn Rate: 3 points/Rs. 100 spent on groceries and shopping; 1 point/Rs. 100 on other retail spend; up to 5% value back at select TATA outlets
  • Point Value: 1 point = Rs. 1 TATA vouchers
  • Fuel Surcharge Waiver: Transactions Rs. 500 – 3,000 (max Rs. 100/month)

Best Credit Card Against Fixed Deposit for Fuel Rewards: BOB Financial Prime Credit Card

Consider this if you need a credit card against fixed deposit

Age Requirement None listed by issuer
Annual Income Requirement None listed by issuer

The BOB Financial Prime Credit Card is the best credit card choice against fixed deposit to earn fuel rewards. There is a Rs. 15,000 deposit requirement (which happens to be the lowest minimum of fixed deposit cards), and there are no annual fees or income/age restrictions. There is no welcome gift, but you'll get 1% rupee value back (4 points per Rs. 100 spent, 4 points = Rs. 1), a great rate for a fixed deposit card. You should apply for this card if you want modest cashback on all spend including fuel while you need a card against fixed deposit.

  • Minimum Fixed Deposit: Rs. 15,000
  • Earn Rate: 4 Rewards Points per Rs. 100 spent
  • Point Value: 4 Reward Points = Rs. 1
  • Fuel Surcharge Waiver: Transactions Rs. 400 – 5,000; max Rs. 250 waived per month
  • Minimum Fixed Deposit: Rs. 15,000
  • Earn Rate: 4 Rewards Points per Rs. 100 spent
  • Point Value: 4 Reward Points = Rs. 1
  • Fuel Surcharge Waiver: Transactions Rs. 400 – 5,000; max Rs. 250 waived per month

Best Fuel Credit Cards with No Income or Age Restrictions

ICICI HPCL Coral Visa/MasterCard or HPCL Platinum

Consider this if you fuel at HPCL pumps, need a card with no income or age requirements and prefer the Visa or MasterCard networks

Age Requirement None listed by issuer
Annual Income Requirement None listed by issuer

If you're interested in an HPCL card on the Visa or MasterCard networks, your two options are ICICI's HPCL Coral or HPCL Platinum cards. You won't have any age or income restrictions in obtaining these cards. There are no bonuses, so all of the monetary value comes from their excellent cashback of 2.5% at HPCL pumps and average 0.50% rupee value back on non-fuel retail purchases (2 points per Rs. 100 spent, redeemable for fuel vouchers). Get one of these cards as a great Visa/MasterCard option for an HPCL fuel card.

  • Annual Fee: Rs. 199 (waived on annual spend of Rs. 50,000)
  • Reward Earn Rate: 2.5% cashback at HPCL; 2 points/Rs. 100 spent on retail purchases except fuel
  • Point Value: 2,000 points = Rs. 500 in fuel
  • Fuel Surcharge Waiver: HPCL (max Rs. 100 monthly on Platinum card)
  • Annual Fee: Rs. 199 (waived on annual spend of Rs. 50,000)
  • Reward Earn Rate: 2.5% cashback at HPCL; 2 points/Rs. 100 spent on retail purchases except fuel
  • Point Value: 2,000 points = Rs. 500 in fuel
  • Fuel Surcharge Waiver: HPCL (max Rs. 100 monthly on Platinum card)

BPCL SBI Credit Card

Consider this if you fuel at BPCL pumps and you need a card with no income/age requirements

Age Requirement None listed by issuer
Annual Income Requirement None listed by issuer
Bonuses
  • Welcome Gift: 2,000 points (worth ₹ 500)

Of the different fuel cards out there with no income or age restrictions, the BPCL SBI Credit Card is your pick if you fuel at BPCL. Most of the rewards are earned on everyday spend, with an excellent 3.25% rupee value back on fuel spend (13 points per Rs. 100 spent; 1 point = Rs. 0.25 fuel vouchers) and good 1.25% rupee value back on grocery, department store, movie, dining and utility spend. You'll get below average rupee value back of 0.25% on all other non-fuel retail spend.

Last, you'll get a nice welcome gift of 2,000 points worth Rs. 500 in fuel vouchers. Go for this card if you're looking for something with no income or age restrictions and you fuel at BPCL.

  • Annual Fee: Rs. 499
  • Reward Earn Rate: 13 points/Rs. 100 spent at BPCL; 5 points/Rs. 100 groceries, department stores, movies, dining, utilities; 1 point/Rs. 100 other non-fuel retail spend
  • Point Value: 4 Reward Points = Rs. 1 fuel vouchers
  • Fuel Surcharge Waiver: Transactions up to Rs. 4,000 at BPCL
  • Annual Fee: Rs. 499
  • Reward Earn Rate: 13 points/Rs. 100 spent at BPCL; 5 points/Rs. 100 groceries, department stores, movies, dining, utilities; 1 point/Rs. 100 other non-fuel retail spend
  • Point Value: 4 Reward Points = Rs. 1 fuel vouchers
  • Fuel Surcharge Waiver: Transactions up to Rs. 4,000 at BPCL

IndianOil Citi Titanium (or Platinum) Credit Card

Consider this if you fuel at IOC pumps and you need a card with no income/age requirements

Age Requirement None listed by issuer
Annual Income Requirement None listed by issuer
Bonuses
  • Welcome Gift: 250 points (worth ₹ 250 of fuel) valid through March 31, 2019

The two IndianOil Citi Credit Cards (Titanium or Platinum) are great choices if you're looking for no age or income restrictions and you fuel at IOC. There's a small welcome gift worth Rs. 250 of fuel, but most of the card's value comes from everyday spend. You'll earn great rupee value back of 2.67% on fuel at IndianOil (4 points per Rs. 150) and a 1.33% rebate (2 points per Rs. 150) on groceries. For all other spends, you can still earn 0.67% (1 point per Rs. 150), which is also above average for general spend rewards.

Points are most valuable when redeemed for fuel (1 point = Rs. 1 fuel voucher), but you can also redeem as cashback or airline miles (Air India/Jet Airways). Overall, go for this card primarily if you're an IOC customer and need a card without age or income restrictions.

  • Annual Fee: Rs. 1,000 (waived on annual spend of Rs. 30,000)
  • Reward Earn Rate: 4 points/Rs.150 IOC fuel (max Rs. 10,000/transaction); 2 points/Rs. 150 groceries; 1 point/Rs.150 all else
  • Point Value: 1 point = Rs. 1 IOC fuel or Rs. 0.35 cashback or 0.75 mile on Air India/Jet Airways (worth Rs. 38)
  • Annual Fee: Rs. 1,000 (waived on annual spend of Rs. 30,000)
  • Reward Earn Rate: 4 points/Rs.150 IOC fuel (max Rs. 10,000/transaction); 2 points/Rs. 150 groceries; 1 point/Rs.150 all else
  • Point Value: 1 point = Rs. 1 IOC fuel or Rs. 0.35 cashback or 0.75 mile on Air India/Jet Airways (worth Rs. 38)