Fuel Credit Cards in India (2024)
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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.
- Get up to 4 free railway lounge entries each quarter.
- 4 complimentery golf rounds and 12 complimentery golf lessons per calender year.
WELCOME OFFERS
- Earn an initial bonus of ₹500 when you make purchases totalling ₹15,000 or more within your card's first 90 days 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
1.99% *Applicable Taxes
FRAUD LIABILITY
Cover worth 50,000
FEATURES
- Earn INR 1,000 shopping vouchers quarterly on INR 2 lakh retail spend.
- 5 reward points on spending INR 100 on merchant categories.
- Receive 2500 reward points on a birthday retail transaction.
WELCOME OFFERS
- Enjoy a choice of 1,000 INR worth of vouchers with your first POS retail purchase.
- Spend INR 1 lakh within 60 days of card activation to earn 10,000 additional reward points.
- Fuel and cash-linked transactions will not be considered when calculating bonus reward points.
FOREIGN TRANSACTION FEE
1.99% *Applicable Taxes
FRAUD LIABILITY
Zero lost card liability
FEATURES
- Benefit from the MMTBLACK loyalty program.
- Get multiple joining benefits, including 1500 MyCash.
- Enjoy airport lounge access globally
WELCOME OFFERS
- New cardholders receive INR 1,500 My Cash, which is 100% usable MakeMyTrip cash in My Wallet.
- Enjoy a MakeMyTrip Holiday Voucher worth INR 2,500.
- Benefit from a complimentary MMTBLACK Exclusive membership.
FOREIGN TRANSACTION FEE
3.5% *Applicable Taxes
FRAUD LIABILITY
N/A
FEATURES
- Enjoy 5% cashback on partner websites like Amazon, BookMyShow, Zomato, Uber, and others.
- Enjoy a 1% fuel surcharge waiver on your fuel spending with a capping of INR 250 per statement cycle.
- Enjoy access to domestic lounges with a maximum capping of 2 per quarter.
WELCOME OFFERS
- pay the joining fees and get the benefit of gaining a gift voucher of the same amount, which is INR 1000.
FOREIGN TRANSACTION FEE
2% *Applicable Taxes
FRAUD LIABILITY
No
FEATURES
- Earn 6X reward points on online shopping for amounts up to ₹20,000 per month.
- Enjoy 3X reward points on offline purchases for amounts up to ₹20,000 per month.
- Enjoy the benefit of 4 complimentary railway lounge access every quarter.
WELCOME OFFERS
- Receive a welcome bonus of ₹500 when you spend ₹15,000 or more within the first 90 days of your card's activation.
- Enjoy a 5% cashback, capped at ₹1,000, on the value of your first EMI transaction completed within 30 days of activating your card.
FOREIGN TRANSACTION FEE
3.5% *Applicable Taxes
FRAUD LIABILITY
Lost Card Liability Cover of Rs. 25000
FEATURES
- Get 2 reward points on weekend spends of INR 100.
- Unmatched priority pass membership.
- 4000 bonus Points on ₹6L+ spend in issuance yea
WELCOME OFFERS
- There is a multitude of benefits to choose from.
- Movies: BOGO with upto 3 complimentary tickets monthly
FOREIGN TRANSACTION FEE
1.8% *Applicable Taxes
FRAUD LIABILITY
N/A
FEATURES
- Gain 1 reward point for every INR 100 spent.
- A great BOGO offer on movie tickets.
- Discount vouchers from prime brands.
WELCOME OFFERS
- Get the benefit of the welcome coupons from multiple brand choices like Charles and Keith, Hush Puppies, Raymond, Bata, and Pantaloons.
- Movie: BOGO offer from BookMyShow, once every month.
FOREIGN TRANSACTION FEE
3.5% *Applicable Taxes
FRAUD LIABILITY
N/A
FEATURES
- Earn 1 reward point for every INR 125 spent on non-fuel retail purchases, which also includes railway ticket bookings on www.irctc.co.in and the IRCTC Mobile App (Android only).
- Benefit from a 1% discount on transaction charges for railway ticket reservations made on www.irctc.co.in.
- Avail 4 complimentary railway lounge accesses annually at select lounges in India, with a maximum of 1 access per quarter.
WELCOME OFFERS
- Receive a bonus of 350 reward points by making a single transaction of INR 500 or above within the first 45 days of receiving the card.
- Note that this offer doesn't apply to fuel and cash transactions.
FOREIGN TRANSACTION FEE
3.5% *Applicable Taxes
FRAUD LIABILITY
N/A
FEATURES
- INR 1500 vouchers on spending INR 1.5 Lakhs quarterly.
- INR 5000 flight ticket on spending INR 7.5 Lakhs.
- 4 Reward Points on every INR 150 spent, 5X on select purchases.
WELCOME OFFERS
- On spending over INR 1 Lakh within 90 days of issuing the card, you'll receive a free MMT Black Elite and Club Vistara Silver Tier membership.
- Get a gift voucher worth INR 2500.
FOREIGN TRANSACTION FEE
2% *Applicable Taxes
FRAUD LIABILITY
Credit liability cover of up to Rs. 9 Lakh
FEATURES
- Get up to 2 reward points on INR 100 spending.
- Enjoy INR 3000 off annually at 100+ eateries.
- Worldwide access to 850+ airport lounges.
WELCOME OFFERS
- There is a multitude of benefits to choose from
FOREIGN TRANSACTION FEE
1.8% *Applicable Taxes
FRAUD LIABILITY
Zero Lost Card Liability Cover
FEATURES
- Get 5X rewards on spending Rs.100.
- Enjoy the 1% fuel surcharge waiver.
- Up to 3 add-on cards are available.
WELCOME OFFERS
- Free TataCliQ, Cult.fit Live, BookMyShow, and Ola taxis gift cards for monthly purchases exceeding Rs. 80,000
- Fee Reversal on Spending Rs. 7500 in 60 days
- Dining: 5X Rewards on online spends
FOREIGN TRANSACTION FEE
2% *Applicable Taxes
FRAUD LIABILITY
Cover Up to Rs.9 Lakh
FEATURES
- For every INR 150 spent on online purchases, you will receive 15 reward points
- 1% of fuel is waived at all fuel stations across the country.
- Upon spending INR 5 lakh annually, you will receive 20,000 bonus reward points.
WELCOME OFFERS
- Complimentary 6-month Fitpass Membership
FOREIGN TRANSACTION FEE
2% *Applicable Taxes
FRAUD LIABILITY
Zero card lost liability protection
FEATURES
- 10 reward points on utility bill payment of INR 100
- Spend INR 50000 or above to get Complimentary Zomato Pro membership
- 1000 reward points on 1 retail transaction on birthday
WELCOME OFFERS
- New cardholders receive INR 2000 in vouchers for minimum retail spending of INR 30,000 within the first 60 days.
- Choose from a selection of premium brands.
FOREIGN TRANSACTION FEE
2.99% *Applicable Taxes
FRAUD LIABILITY
Zero lost card liability
FEATURES
- Get 5X rewards on spending INR 100.
- Enjoy the 1% fuel surcharge waiver.
- Up to 3 add-on cards are available.
WELCOME OFFERS
- Fee reversal on spending INR 7500 in 60 days
- Dining: 5X rewards on online spends
FOREIGN TRANSACTION FEE
3.5% *Applicable Taxes
FRAUD LIABILITY
Zero card lost liability protection
FEATURES
- For every INR 100 spent on travel, dining, and international purchases, you will receive 5x reward points
- 1% fuel surcharge waiver at all fuel stations across the country between transactions of INR 400 and INR 5,000.
- Airport lounges visit once a quarter in a calendar year.
WELCOME OFFERS
- Get a fee reversal for spending INR 10,000 within the first 60 days of card setup.
FOREIGN TRANSACTION FEE
3.5% *Applicable Taxes
FRAUD LIABILITY
Zero card lost liability protection
FEATURES
- Spend INR 100 or more on groceries or at a department store and earn 5 times extra reward points.
- When you make purchases in other categories, you can earn one reward point for every INR 100 spent.
- Get 1% off on fuel surcharge for transactions between ₹400 - ₹5,000 at all fuel stations in India, up to ₹250 per billing cycle.
WELCOME OFFERS
- Free one-year subscriptions to Amazon Prime, Zomato Pro, and Fitpass (available with the Varunah Plus and Varunah Premium Credit Cards), as well as 1,000 additional Reward Points with the Varunah Premium Card.
FOREIGN TRANSACTION FEE
3.5% *Applicable Taxes
FRAUD LIABILITY
Zero card lost liability protection
FEATURES
- Lifetime free credit card
- 5X reward points on bill payments
- Receive complimentary access to domestic lounges annually.
WELCOME OFFERS
- Upon card activation within the first 30 days of issuance, you are entitled to a complimentary 6-month FitPass Pro membership and 1,000 bonus Reward Points.
FOREIGN TRANSACTION FEE
2% *Applicable Taxes
FRAUD LIABILITY
Zero card lost liability protection
FEATURES
- Accumulate 10X reward points on Apollo 24x7/BookMyShow/ Cleartrip/ Dominos/ Eazydiner/ Myntra/ Netmeds/ Yatra.
- For all other online expenses, get 5X reward points.
- Starting from the second year, delight in the annual membership fee being waived.
WELCOME OFFERS
- Pay the joining fees and get an Amazon voucher worth INR 500 for free.
FOREIGN TRANSACTION FEE
3.5% *Applicable Taxes
FRAUD LIABILITY
N/A
FEATURES
- INR 1,000 off on domestic flight bookings with a minimum transaction of INR 5,000.
- 20% off on domestic hotels with a minimum transaction of INR 3,000 and a maximum discount of INR 2,000.
- Earn 6 reward points for every INR 100 spent on international spends with up to 5,000 reward points per month.
WELCOME OFFERS
- Pay the joining fees and get an yatra.com voucher worth INR 8250 for free.
FOREIGN TRANSACTION FEE
3.5% *Applicable Taxes
FRAUD LIABILITY
NA
FEATURES
- Earn 5 Points for each INR 100 you spend within the country.
- Accumulate 10 Points for every INR 100 used on transactions abroad.
- Enjoy a full waiver on the 1% fuel surcharge for all transactions ranging from INR 500 to INR 4000.
WELCOME OFFERS
- N/AMovies: Enjoy a flat INR 500 discount on booking movie tickets via BookMyShow every month.
FOREIGN TRANSACTION FEE
3.5% *Applicable Taxes
FRAUD LIABILITY
N/A
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.
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