Travelling has become an undetachable part of our daily lives. The maximum number of vehicles we find on the roads are filled with the people who are commuting to their work and undoubtedly they are the regular commuters. It is true that using our own vehicle help us to save the hassles that commuters face in a public transport. Though using private vehicles are much convenient but undeniable the fact that the skyrocketing fuel prices are getting heavier to our pockets.

There can be many reasons which cause a hike in fuel prices such as an increase in the price of crude oil or depreciating rupee value. The increased fuel prices have turned the fuel expense as one of the main expenditures of a household.  Whatever the reason may be, there is nothing much which we can do to decrease the price. The only way to cut down the fuel expense to some extent is by using the fuel credit cards. Fuel credit cards are the credit cards that come with special benefits while using in fuel stations.

 5 Best Fuel Credit Cards Available in India

IndianOil Citi Platinum Credit Card

What Makes This Card Worth Owning

  • Every Rs.150 spent at Indian Oil outlets, supermarkets, groceries, dining, and shopping are subject to get reward points which are called turbo points.
  • 1 Turbo Point equals Rs. 1.
  • You can get a special concierge service if you are an Indian Oil Citi Platinum Credit cardholder.
  • You earn a maximum of 71 liters of free fuel.
  • Save up to 15% on partner restaurants while paying with your Citi credit card.
  • EMI facility is available for 2,000+ consumer brands, electronics, and mobile phone outlets, leading retail chains and e-retailers.
  • You can redeem turbo points instantly for fuel at select IndianOil outlets.

Fee and Charges

First Year – 1,000 (waived for an annual spend of Rs.30,000)

Interest Rate -3.25% Interest per month

ICICI Bank HPCL Coral American Express Credit Card

Features of the ICICI Fuel Credit Card

  • You can save up to 5% on fuel with 2.5% cashback and 1% surcharge waiver at HPCL petrol pumps.
  • The 5% cashback benefit is applicable up to Rs.100 per month.
  • You can get a discount up to Rs. 100 on 2 movie tickets per month.
  • An ICICI cardholder can get 6 Payback points on fuel spend at HPCL pumps and 2 Payback points at all other retail spends.
  • At the redemption of 2000 payback points, you will get fuel worth Rs.500.
  • The usage of this card can save up to 15% at over 800 restaurants.

ICICI Bank HPCL Coral American Express Credit Card


Fee and Charges

Annual Fees – Rs.199 every year

Default Payment charges – 3.40% per month

Standard Chartered Titanium Credit Card

Why Should You Get This Credit Card

  • You can earn 5% cash back on fuel spends across all fuel stations up to a maximum of INR 200 per month (max of INR 100 per transaction).
  • You can earn 5% cashback on telephone bills and utility bills.
  • A cardholder can get 1 reward point for every INR 150 on all other expenses.
  • You can enjoy 5x rewards for overseas point-of-sales spends and a complimentary Priority Pass allowing access to 1000+ airport lounges worldwide with one free usage per month.
  • One can avail discounts and offers across dining, shopping, travel and many more by paying their bills through this credit card.

Standard Chartered Titanium Credit Card

Fee and Charges

Annual Fees – Rs.750 every year

A monthly interest rate is 3.49% pm

HDFC Bharat Cashback Credit Card

What Makes This Card a Great Choice

  • You can enjoy 5% cashback on fuel payment
  • You can enjoy the fuel surcharge waiver benefit
  • Not only in fuel, one can enjoy 5% cashback on IRCTC spend and all Bill Payment and recharge
  • In case of loss of card, there will be Zero Lost Card liability once reported
  • Minimum of four transactions every month give you a free accidental death insurance up to 50Lakhs

HDFC Bharat Cashback Credit Card

Fee and Charges

Annual Fees – Rs.500 every year

Default Payment charges – 3.49% per month

BPCL SBI Credit Card

Why is This Card Recommended

  • On every transaction up to Rs.4000 at Bharat Petroleum Corporation Limited petrol pumps  you can enjoy up to 25% + 1% Fuel surcharge waiver
  • You will be rewarded with 5X Reward Points on every Rs. 100 spent at Groceries, Departmental stores, Movies & Dining.
  • 1 Reward Point for every Rs. 100 spent on non-fuel retail purchases is given.
  • You can convert your transaction to easy EMI.
  • Maximum surcharge waiver of Rs.100 in a month.
  • A cardholder will get 2,000 Activation Bonus Reward Points worth Rs. 500 on payment of joining fee

BPCL SBI Credit Card

Fee and Charges

Annual Fees – Rs.499 every year

Default Payment charges – 3.35% per month

How to Find the Best Fuel Credit Card

There are a few points which one should keep in consideration while choosing a credit card to minimise the fuel expenses. Most of the fuel credit cards give you a benefit only at one fuel station. If you can find a card which gives you rewards on more than one petrol pump, you can earn more benefit.

Secondly, one has to check the annual fee. You are to find a credit card with the minimum annual fee.

Thirdly, the fuel cards give benefits beyond the fuel expenses. You are to find a card which covers more fields of expenditure.

Lastly, there should not be any hassle while redeeming the reward points.

The Last Lines

Being a consumer, we cannot much to give a halt to the slow but continuous increase in fuel prices. But unfortunately, we are to bear the burden of the price hikes. The use of a credit card in fuel expense can help you to get some relief provided you have chosen the right credit card for fuel.