Automobiles are an integral part of modern day-to-day life, making fuel expenses unavoidable, but by smart use of your credit card you can not only earn cashback but also get a waiver in the surcharge bringing your expenses down to as much as 5%.

We have analyzed the top fuel credit cards available in the country to help you choose the right one for yourself.

INR 1,000 + 18% GST (waived off on spends of INR 30,000 or more).

4 turbo points on spending every INR 150 spent on.

1% fuel surcharge will not be charged in transactions from any IndianOil outlets.

INR 1,000 + 18% GST (waived off on spends of INR 30,000 or more).

4 turbo points on spending every INR 150 spent on.

1% fuel surcharge will not be charged in transactions from any IndianOil outlets.

CitiBank has introduced their own fuel credit card in collaboration with IndianOil and has many other benefits other than just fuel, CitiBank keeps on coming with various offers for their customers providing them with discounts and cashbacks on purchasing from various reputed brands like Amazon, Zomato, Samsung, among others. These offers are a great catch and are updated from time to time.

Currently on this card is offering the following discounts.

Get 250 Turbo Points on your first spend within 30 days of card issuance.

4 turbo points on spending every INR 150 spent on.

Upper Limit on Reward Points on Fuel

There is no upper limit.

Upper Limit of Surcharge Waiver

Reward Points on Other Than Fuel Purchase

2 turbo points on spending INR 150 on groceries and supermarkets.

1 turbo point on any other spend of INR each.

Upper Limit on Reward Points for Non-fuel Purchase

1 turbo point = INR 1 for free fuel (can be redeemed at the bank website).

These turbo points never expire.

Bank provides redeeming options like fuel, holidays, air miles, cash back, etc.

Customers can redeem points instantly with the help of an SMS and purchase things from partner brands.

• Users get 5% of their spends only at IndianOil outlets as fuel points. • In petrol pumps run by other companies it is going to be just 1 reward point on a spending INR 150.

1% fuel surcharge will not be charged in transactions from any company's fuel outlet in India.

• Users get 5% of their spends only at IndianOil outlets as fuel points. • In petrol pumps run by other companies it is going to be just 1 reward point on a spending INR 150.

1% fuel surcharge will not be charged in transactions from any company's fuel outlet in India.

The IndianOil HDFC Bank Credit Card has been launched as a result of collaboration between HDFC bank and IndianOil to facilitate the purchase of fuel. Though a reward based credit card one can convert to cash or purchase oil once again with the awarded fuel points. One can get petrol equivalent to 5% of the money spent on petrol, diesel, groceries and bill payments  by using this card.

Upper Limit on Reward Points on Fuel

In the first six months of subscription one can get 250 points in a month and post six months 150 points a month.

Upper Limit of Surcharge Waiver

To get this waver the minimum transaction should be of INR 400 and the maximum amount of money that a person can save in a month is INR 250.

Reward Points on Other Than Fuel Purchase

5% fuel points are also available on grocery purchase and payment of bills.

Upper Limit on Reward Points for Non-fuel Purchase

To the maximum of 100 points per month in each of the above categories.

One can get fuel in exchange for these reward points, as we have already mentioned the amount of fuel will be equivalent to the 5% of the amount spent. These reward points can only be used at Indian oil pumps. This is for accurate fuel points.

All the other numeric fuel points can also be exchanged in return of fuel:

• 5% cash back on purchasing fuel from HPCL petrol pumps. • Additional 1.5% cash back (in the form of cash points)on making payments through HP Pay app.

• 5% cash back on purchasing fuel from HPCL petrol pumps. • Additional 1.5% cash back (in the form of cash points)on making payments through HP Pay app.

ICICI Bank in partnership with HPCL has launched the ICICI Bank HPCL Super Saver Credit Card. There is no upper limit on getting cash back but there is no surcharge waiver, this deficit is balanced by giving an additional cash point worth 1.5% of the purchase on making payments through HP Pay app.

Cash back of INR 100 on using HP Pay app and 2000 Reward Points on activation.

Upper Limit on Reward Points on Fuel

There is no upper limit.

Upper Limit of Surcharge Waiver

Reward Points on Other Than Fuel Purchase

Upper Limit on Reward Points for Non-fuel Purchase

There is no upper limit.

13X Reward Points on fuel purchases at BPCL petrol pumps. Cashback of 4.25%.

1% Fuel surcharge waiver at any petrol pump in India.

13X Reward Points on fuel purchases at BPCL petrol pumps. Cashback of 4.25%.

1% Fuel surcharge waiver at any petrol pump in India.

SBI in collaboration with Bharat Petroleum launched the BPCL SBI Credit Card, which concentrates on fuel as its core. It offers up to 4.25% saving on the purchase of fuel. It is comparatively easy to use as it has a standard value of a Reward Point. There’s nothing additional other than the core offering on fuel but still the Reward Points on fuel are competent.

2,000 activation bonus Reward Points worth INR 500 credited after 20 days of paying the joining fee and will not be given if the fee has been remitted.

Upper Limit on Reward Points on Fuel

Maximum 1300 Reward Points per billing cycle.

Upper Limit of Surcharge Waiver

Surcharge waiver will only be applicable to a purchase of INR 4,000 in a billing cycle, after which it will be the standard 1%.

Reward Points on Other Than Fuel Purchase

5X Reward Points on spending INR 100 on groceries, departmental stores, movies and dining

Upper Limit on Reward Points for Non-fuel Purchase

One can earn a maximum of 5,000 Reward Points in a billing cycle.

Reward Points on any Other Retail Sale

Get 1 Reward Point on spending INR 100 spent on any other retail purchase.

5% cashback on fuel purchase from any petrol pump on all transactions below INR 2,000.

5% cashback on fuel purchase from any petrol pump on all transactions below INR 2,000.

Standard Chartered has not partnered with any company to launch this card and the Standard Chartered Super Value Titanium Credit Card can be used to purchase fuel from any company. There is no fuel surcharge waiver available on the purchase of this fuel.

Upper Limit on Reward Points on Fuel

Upper Limit of Surcharge Waiver

Reward Points on Other Than Fuel Purchase

5% cashback on paying for your utility bills.

Upper Limit on Reward Points for Non-fuel Purchase

One can redeem the reward points to get vouchers, discounts and other incredible offers from the catalog provided by the company.

INR 500 + 18% GST (waived off on spending INR 50,000 with the help of this card in a year)

20 reward points on spending every INR 100 at any IndianOil petrol pump.

1% fuel surcharge waiver at any petrol pump in India.

INR 500 + 18% GST (waived off on spending INR 50,000 with the help of this card in a year)

20 reward points on spending every INR 100 at any IndianOil petrol pump.

1% fuel surcharge waiver at any petrol pump in India.

The IndianOil Axis Bank Credit Card is a result of the partnership between IndianOil and Axis Bank. It provides reward points equivalent to roughly 4% of the fuel purchase.

In the first 30 days of activating the card one can get a cashback on the purchase of oil to the maximum of INR 250.

Upper Limit on Reward Points on Fuel

There will be no reward points on transactions above INR 5000 and below INR 100 in a month.

Upper Limit of Surcharge Waiver

Surcharge waiver will only be applicable to the purchase of oil costing to the minimum of INR 200 and to the maximum of INR 5,000 to the maximum amount of INR 50 in a billing cycle.

Reward Points on Other Than Fuel Purchase

1 EDGE reward point per INR 100 spent on any other purchase with this credit card.

There will be a wawer of the annual fee on spending INR 50,000 with the help of this card in a year.

Upper Limit on Reward Points for Non-fuel Purchase

There is no upper limit to it.

EDGE reward points can be redeemed by buying merchandise from Myntra, Flipkart, and EDGE website. These points can also be used for booking hotels etc.

We have rated the fuel credit cards on the basis of  following five factors:

Armaan is the India Lead Editor for Forbes Advisor. He has more than a decade’s experience working with media and publishing companies to help them build expert-led content and establish editorial teams. At Forbes Advisor, he is determined to help readers declutter complex financial jargons and do his bit for India's financial literacy.