Fuel Credit Cards in India (2024)
'%3e%3cpath%20stroke='%23000'%20stroke-linecap='round'%20stroke-linejoin='round'%20stroke-width='1.5'%20d='M13.5%202.00005S9.0811%208%207.5%208c-1.5812%200-6-6-6-6'/%3e%3c/g%3e%3cdefs%3e%3cclipPath%20id='a'%3e%3cpath%20fill='%23fff'%20d='M14.5.5v9H.5v-9z'/%3e%3c/clipPath%3e%3c/defs%3e%3c/svg%3e){kind=small}
FEATURES
- Accumulate 10 reward points for every Rs 150 expenditure on dining, movies, groceries, and departmental stores.
- For all other expenses, get 1 reward point on every Rs 150 spent.
- Starting from the second year, delight in the annual membership fee being waived.
WELCOME OFFERS
- Get 2000 reward points by spending INR 2,000 or more in just the first 60 days of card issuance.
FOREIGN TRANSACTION FEE
3.5% *Applicable Taxes
FRAUD LIABILITY
N/A
FEATURES
- 2.5 Mojo points on every Rs. 100 spent online.
- 1 mojo point for all the others spent worth Rs. 100 (excluding cash withdrawal and fuel).
- 8 complimentary annual domestic airport lounge visits.
WELCOME OFFERS
- Spend Rs.30000 within 90 days of card issuance and get the joining fee waived.
- Movies: Redeem your earned points for BookMyShow Vouchers.
FOREIGN TRANSACTION FEE
3.5% *Applicable Taxes
FRAUD LIABILITY
Zero card lost liability protection
FEATURES
- Collect 5 points for each INR 100 you spend on online shopping transactions.
- Receive a welcome voucher of INR 1,000, redeemable at various popular brands, as an initial sign-up bonus.
- Hit spending milestones of INR 200,000 and INR 500,000 within an anniversary year to earn vouchers valued at INR 1,000 and INR 5,000, respectively.
WELCOME OFFERS
- Start your Cookies Credit Card experience with an INR 1,000 welcome voucher. Choose from a range of brands including Croma, Amazon, Myntra, Flipkart, and Shoppers Stop. Note: Complete a transaction within the first 30 days to unlock this benefit.
FOREIGN TRANSACTION FEE
3.5% *Applicable Taxes
FRAUD LIABILITY
Lost Card Liability Cover
FEATURES
- For every INR 100 spent on any purchase, earn 1 reward point. (can be used on RBL environment only)
- Get 12 reward points for every INR 100 spent online. (can be used on RBL environment only)
- Enjoy the benefit of a fuel surcharge waiver with a maximum capping of INR 100 per month.
WELCOME OFFERS
- N/A
FOREIGN TRANSACTION FEE
3.5% *Applicable Taxes
FRAUD LIABILITY
Lost Card Liability Cover
FEATURES
- Enjoy 1 membership reward on every INR 50 spent via this card except on a few categories.
- Dine at selected restaurants and get a 20% discount.
- Enjoy the contactless payment feature as well.
WELCOME OFFERS
- Benefit: Earn 4,000 Membership Rewards Points on spending INR 15,000 within 90 days of card membership activation.
FOREIGN TRANSACTION FEE
3.5% *Applicable Taxes
FRAUD LIABILITY
Lost Card Liability Cover
FEATURES
- No annual fees for the card's lifetime.
- Get 6 points on spending every INR 150.
- Earn 2 points for every INR 150 spent (excluding fuel and wallets).
WELCOME OFFERS
- Receive a Shoppers Stop voucher worth ₹500 that can be redeemed when you shop for ₹3000 or more.
FOREIGN TRANSACTION FEE
1% *Applicable Taxes
FRAUD LIABILITY
NA
FEATURES
- 8 reward points for every Rs. 150 spent
- Fuel surcharge waiver upto Rs. 3500/- annually
- Spend Rs. 1,25,000 every 6 months to get 4 PVR tickets or 10000 reward points.
WELCOME OFFERS
- Receive 5000 reward points worth Rs. 500 after the joining fee has been processed.
- This is allowed for league joining fee type only.
- Receive a movie voucher worth Rs. 500 as a joining gift
FOREIGN TRANSACTION FEE
3.5% *Applicable Taxes
FRAUD LIABILITY
Zero card lost liability protection
FEATURES
- Earn 4 reward points for every INR 150 spent on retail purchases.
- 12 complimentary access per calendar year within India (both at domestic and international terminals) using the HDFC Bank Regalia Credit Card
- Experience exceptional dining perks through the Good Food Trail program.
WELCOME OFFERS
- Pay the joining fees and get 2500 reward points credited.
- Assured Flat 25% Off at 2000+ premium restaurants
FOREIGN TRANSACTION FEE
2% *Applicable Taxes
FRAUD LIABILITY
Lost Card Liability of Rs. 9 Lakh
FEATURES
- Quarterly Rs. 500 Gift Voucher on 50,000 spending.
- 1% fuel surcharge waived, up to Rs. 500/month.
- 4 Reward Points on Rs. 150 spent online.
- Get up to 20% savings off on all your restaurant bill payment
WELCOME OFFERS
- The card offers you 500 Cash Points as a welcome benefit (applicable only on payment of membership fee).
FOREIGN TRANSACTION FEE
3.5% *Applicable Taxes
FRAUD LIABILITY
Zero lost card liability
FEATURES
- Receive up to 50 litres of free fuel annually.
- Every INR 150 spent on any purchases entitles you to 1 Fuel Point.
- Save 2.5% on dining expenses.
WELCOME OFFERS
- Get a complimentary IndianOil XTRAREWARDSTM Program (IXRP) membership
FOREIGN TRANSACTION FEE
2.5% *Applicable Taxes
FRAUD LIABILITY
Zero lost card liability
FEATURES
- Get a 1% fuel surcharge waiver on INR 400-5000 spending.
- Upto 10X reward on online and offline spending.
- Premium membership to OTT and Cult.fit.
WELCOME OFFERS
- Customised based on the card selected
- Movies: 3 months complimentary membership to OTT
FOREIGN TRANSACTION FEE
3.49% *Applicable Taxes
FRAUD LIABILITY
Zero
FEATURES
- Earn 5% cashback on purchases at Flipkart.
- Enjoy 4 complimentary domestic airport lounges yearly.
- Up to 15% dining discounts at partner restaurants in India.
WELCOME OFFERS
- Get a welcome voucher from multiple brands.
- Receive INR 500 Flipkart vouchers with the first use of your Flipkart Axis Bank credit card. Check terms for details.
- Get a 50% off, capped at INR 100, for your first Swiggy order. Use the code "AXISFKNEW". See terms for more info.
- Movie: 4% accelerated cashback at PVR cinemas.
FOREIGN TRANSACTION FEE
3.5% *Applicable Taxes
FRAUD LIABILITY
Zero Lost Card Liability Cover
FEATURES
- Get 5 travel points on spending INR 100 on travel.
- Enjoy the fuel surcharge waiver of maximum INR 250 per month.
- Enjoy the 2 complimentary domestic lounge access every quarter.
WELCOME OFFERS
- Get MakeMyTrip voucher of amount INR 3,000 on swiping your card once in the 30 days of card issuance.
FOREIGN TRANSACTION FEE
-1% *Applicable Taxes
FRAUD LIABILITY
Yes
FEATURES
- 500 bonus reward points on INR 20000 monthly spend.
- 1.5% cashback on POS transactions at retail outlets.
- 2X reward on all online transactions.
WELCOME OFFERS
- Kickstart your journey with vouchers worth ₹ 500 on minimum retail spends of ₹ 10,000 within 60 days of card setup.
- Select vouchers from the top brands of your choice from the list.
- Lounges: 2 Complimentary railway lounge access quarterly
FOREIGN TRANSACTION FEE
3.49% *Applicable Taxes
FRAUD LIABILITY
Lost Card Liability Cover
FEATURES
- Earn 2 reward points for each INR 100 you spend.
- Accumulate 10 Points for every INR 100 used on dining, utility bill payments, entertainment, and international purchases.
- Enjoy a full waiver on the 1% fuel surcharge for all transactions.
WELCOME OFFERS
- Start your journey with an amazing 8000 welcome reward points, valid on making a purchase within 30 days of card issuance.
- Movies: Receive a free movie ticket (up to INR 100) every month on BookMyShow when buying 2 or more tickets.
FOREIGN TRANSACTION FEE
3.5% *Applicable Taxes
FRAUD LIABILITY
NA
FEATURES
- Enjoy a 15% discount under Dining Delight offerings of a maximum of upto INR 500.
- Get INR 150 on Myntra purchases of a minimum of INR 999 on selected styles.
- Earn 5% off on paying utility bills through Amazon Pay.
- Get 100% cashback of upto INR 300 on the first utility bill paid within 30 days of card issuance.
- Movie: 10% off maximum upto INR 100 monthly on BookMyShow.
WELCOME OFFERS
- Lifetime Free Card
- Get 40% Off on Zomato
- Get 5% Off on utility bill payments
- Get Rs.1200 discout on bookmyshow
FOREIGN TRANSACTION FEE
3.5% *Applicable Taxes
FRAUD LIABILITY
Zero lost card liability
FEATURES
- Enjoy 12 Axis EDGE REWARDS Points on INR 200 spending.
- Unlimited complimentary international lounge access.
- 40% discount on dining at over 4000 restaurants in India.
WELCOME OFFERS
- E-vouchers worth INR 12500 to select from either of the providers given below.
- You can select from a Luxe gift card, Yatra gift voucher, or The Postcard Hotels gift voucher.
- Eligible to translate within the first 30 days of card issuance.
FOREIGN TRANSACTION FEE
2% *Applicable Taxes
FRAUD LIABILITY
NA
FEATURES
- INR 50 cashback monthly on spending over INR 10,000.
- 2 free quarterly visits to railway lounges.
- 1% cashback on all other spends, max INR 50 monthly.
WELCOME OFFERS
- 5% Cashback on initial retail purchase of minimum INR 2500 with the 60 days of card issuance with a maximum of INR 150 during the statement cycle
- Movies: Buy one get one Free
FOREIGN TRANSACTION FEE
3.49% *Applicable Taxes
FRAUD LIABILITY
Zero lost card liability
FEATURES
- Accumulate 6X loyalty points on web-based shopping for expenditures not exceeding ₹20,000 per month.
- Collect 3X loyalty points for in-store buys up to a limit of ₹20,000 every month.
- Receive up to 4 free railway lounge entries each quarter.
WELCOME OFFERS
- Earn an initial bonus of ₹500 when you make purchases totalling ₹15,000 or more within your card's first three months of activation.
- Enjoy a 5% cash rebate on the first EMI payment you make within 30 days of card activation, up to a maximum of ₹1,000.
FOREIGN TRANSACTION FEE
3.5% *Applicable Taxes
FRAUD LIABILITY
Lost Card Liability Cover of Rs. 25000
FEATURES
- Enjoy 5% cashback on bill payments.
- Get 2% cashback on merchant transactions.
- 4 complimentary domestic lounge visits per year.
WELCOME OFFERS
- Fee reversal on spending INR 10000 in 45 days
FOREIGN TRANSACTION FEE
3.5% *Applicable Taxes
FRAUD LIABILITY
Zero lost card liability
What is a Fuel Credit Card?
Banks are offering a fuel credit card designed to help customers save money on their fuel purchases. This type of credit card is particularly beneficial for individuals who frequently buy fuel, as it allows them to considerably reduce their fuel expenses. In addition to fuel-related advantages, this card also provides users with various lifestyle benefits, making it a valuable financial tool for many consumers.
Why Choose a Fuel Credit Card?
When most credit cards in the market offer fuel benefits, the question arises as to why one should choose a Fuel Credit Card. The answer lies in the fact that Fuel Credit Cards are specifically designed to save money every time you refill your vehicle with fuel.
With the rising prices of petrol and diesel, a Fuel Credit Card can help you significantly cut down on the expenses incurred when buying fuel.
Benefits of Fuel Credit Cards include the following:
- Earn Reward Points:Every time you use your Fuel Credit card, you can accumulate reward points, which can be redeemed for various benefits such as fuel discounts, shopping vouchers, or airline miles.
- Redemption of Earned Points:These accumulated reward points can be redeemed for a wide range of exciting rewards, such as cashback, gift cards, or travel vouchers.
- Cashback Eligibility:Fuel Credit cardholders are eligible to receive cashback on their fuel purchases, which can significantly reduce their overall fuel expenses.
- Surcharge Waiver Eligibility:Many Fuel Credit cards offer a waiver on fuel surcharges, providing additional savings for cardholders.
- Dining Offers:Some Fuel Credit cards come with dining offers, allowing cardholders to enjoy discounts and privileges at participating restaurants and eateries.
- BookMyShow Offer:Cardholders may also receive special discounts or complimentary tickets for movies and events through tie-ups with entertainment platforms like BookMyShow.
- Turbo Points Eligibility:Some Fuel Credit cards offer Turbo Points programs, where cardholders earn accelerated rewards on their fuel and other spending categories.
- Annual Fee Waiver:Certain Fuel Credit cards offer a waiver on annual fees, providing cost savings for cardholders.
- Utility Bill Payments:Many Fuel Credit cards allow users to conveniently pay their utility bills, making it a versatile financial tool for managing monthly expenses.
- Telecom Benefits Eligibility:Some Fuel Credit cards provide benefits specific to telecom expenses, such as discounts on mobile bill payments or special offers from telecom service providers.
- Concierge Service:Cardholders may also have access to concierge services, offering assistance with travel bookings, dining reservations, and various lifestyle arrangements.
Tips for Choosing the Best Fuel Credit Card
Payment Pattern:When selecting the best fuel credit card, it is crucial to examine your payment pattern. Look for a card that not only provides fuel benefits but also offers the best interest rates. Understanding your payment habits will help you choose a card that aligns with your financial behavior.
Fuel Spending Analysis:It's essential to analyze your fuel spending habits before choosing a fuel credit card. Estimate your monthly budget dedicated to fuel expenses. This step is important because getting a fuel credit card without a clear understanding of your fuel expenditure won't be beneficial.
Fees and Charges:Evaluating the charges with the fuel credit card is also a critical step. High fees and charges can negate a fuel credit card's benefits and discounts. Ensure that the card’s fees do not outweigh its advantages.
Redemption Process:Examine the redemption process of the fuel credit cards you are considering. Always prefer cards that offer instant redemption of points. A straightforward and quick redemption process can enhance the overall benefits you receive from the card.
How to Compare Fuel Credit Cards?
Choosing the right fuel credit card can be challenging, with the variety of options available. To make an informed decision, consider the following five crucial points:
Rewards and Cashback:Evaluate if the card offers reward points or cashback specifically for fuel purchases. Reward points can often be redeemed for fuel or other products, providing flexibility. Cashback options offer direct savings by reducing your statement balance. Selecting a card with a robust rewards or cashback system can lead to significant cost reductions over time.
Fuel Surcharge Waiver:Some fuel credit cards offer a waiver on fuel surcharges, which typically range from 1% to 3% of the transaction value. This feature is particularly beneficial for high fuel spenders, potentially leading to substantial yearly savings. Assess the exact waiver conditions and ensure they align with your fuel expenditures.
Annual Fees:Annual fees can offset the benefits offered by fuel credit cards. While some cards provide exceptional rewards, high annual fees may diminish their attractiveness. Carefully analyze whether the benefits justify the costs involved, considering how frequently you will use the card's features.
Additional Perks:Look beyond fuel-related benefits to additional perks such as lounge access or roadside assistance. Cards offering travel insurance, dining benefits, or exclusive discounts can provide extra value. Select a card that offers perks matching your lifestyle and personal needs.
Fuel Credit Card Limit:Your fuel credit card limit dictates your maximum spending capacity. This limit is usually determined by your credit score and financial stability. Choose a card with a limit that suits your spending habits to avoid frequent limit overruns or under-utilization.
Read User Reviews:Before making a decision, read reviews from other cardholders to gain insights about real-world experiences. Reviews can reveal the applicability of perks, hidden terms, and the responsiveness of the card issuer. This information is invaluable for making an informed choice.
Weighing these factors carefully will ensure you choose a card that best meets your requirements.
A fuel credit card is tailored for individuals with substantial fuel expenditures, providing rewards and benefits like fuel surcharge waivers or cashback on fuel purchases.Over time, these cards can help you save significantly on fuel costs, making them ideal for frequent drivers or businesses with vehicle fleets.
The redemption process for rewards or benefits varies by card issuer.Typically, you can redeem your rewards via the card issuer's online portal or mobile application. Points can often be exchanged for fuel vouchers or utilized in other ways, depending on the issuer's options.
No, not every fuel credit card comes with an annual fee. While some cards may have such a fee, others do not. It is essential to compare the card’s benefits against any potential fees to determine which card offers the best value for your needs.
Yes, most fuel credit cards can be used for a variety of transactions beyond fuel purchases. However, the rewards or cashback rates for these non-fuel transactions generally tend to be lower compared to fuel-related spending.
Yes, usually, there is a cap on the amount of rewards or cashback one can accumulate within a specific timeframe, such as a month or a year. It is important to refer to the card’s terms and conditions for precise details regarding these limitations.
• Some of the leading fuel credit cards in India include:
• HPCL Bank of Baroda ENERGIE Credit Card
• ICICI HPCL Super Saver Credit Card
• IndianOil Axis Bank Credit Card
• Indian Oil Kotak Credit Card
• These cards provide a range of advantages, such as fuel surcharge waivers and substantial reward points for fuel expenses.
Fuel credit cards are specifically focused on benefits like fuel surcharge waivers and cashback on fuel-related spending. Unlike standard credit cards, they may also offer perks at international fuel stations, enhancing their value for international travelers.
© 2025 Buyhatke Internet Private Limited. All rights reserved.