Fuel Credit Cards in India (2024)
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FEATURES
- INR 100 cashback on the first HPPay purchase.
- 5% cashback on utilities, groceries, and stores.
- Complimentary 24x7 Road Assistance Service (RAS).
WELCOME OFFERS
- Earn 2,000 Reward Points upon card activation and fee payment. This is available when you spend INR 5000 within 2 months of joining the card.
- Get INR 100 added to the HP Pay app wallet as cashback as the joining benefit.
FOREIGN TRANSACTION FEE
3.5% *Applicable Taxes
FRAUD LIABILITY
N/A
FEATURES
- 1% surcharge waiver on fuel purchases.
- 2 Reward Points for every INR 100 spent.
- 2.5% cashback on fuel purchases of a minimum of INR 500.
WELCOME OFFERS
- Offers from the ICICI Bank Culinary Treats program.
- Lifestyle: 25% off BookMyShow movie tickets & dining discounts.
FOREIGN TRANSACTION FEE
1.99% *Applicable Taxes
FRAUD LIABILITY
N/A
FEATURES
- Earn up to ₹27,000 White Pass value annually in spending of INR 12 lakh.
- Access VIP lounges in 148 countries worldwide.
- Get 4 complimentary international lounge passes every year.
WELCOME OFFERS
- Earn a White Pass value worth ₹1500 by spending ₹30,000 within 60 days.
FOREIGN TRANSACTION FEE
3.5% *Applicable Taxes
FRAUD LIABILITY
N/A
FEATURES
- 12 Reward points per INR 150 on grocery and dining.
- 24 Reward points per INR 150 at IndianOil outlets.
- 3 Reward points per INR 150 on other spends.
WELCOME OFFERS
- Spend INR 500 or more within 30 days of issuance to earn 1000 Reward Points.
FOREIGN TRANSACTION FEE
3.5% *Applicable Taxes
FRAUD LIABILITY
N/A
FEATURES
- Receive 8 reward points for every INR 200 spent on travel and dining.
- Enjoy a 1% surcharge waiver for transactions ranging from INR 400 to INR 5,000.
- Benefit from a preferential foreign currency markup rate of only 2.75%.
WELCOME OFFERS
- Get the Amazon gift voucher worth Rs.500 on spending Rs.1000 within 30 days of card setup (valid for online applied cards only)
FOREIGN TRANSACTION FEE
2.75% *Applicable Taxes
FRAUD LIABILITY
Lost Card Liability Cover of Rs. 3 lakh
FEATURES
- Enjoy all the benefits of this card which is available for free for first 4 years.
- For every spend of INR 100 get 1 reward point.
- Get 1% fuel surcharge waiver on your fuel transactions.
WELCOME OFFERS
- N/A
FOREIGN TRANSACTION FEE
3.5% *Applicable Taxes
FRAUD LIABILITY
NA
FEATURES
- Enjoy 5% savings on Indian Oil Fuel bills
- Get 1000 reward points as a welcome benefit
- Save 2% on dining and grocery bills.
WELCOME OFFERS
- 1000 reward points on spending of INR 500 within first 30 days
FOREIGN TRANSACTION FEE
3.5% *Applicable Taxes
FRAUD LIABILITY
Lost Card Liability Cover
FEATURES
- Receive 2% back in the form of NeuCoins when spending on Tata Neu and associated Tata Brands. Check the complete list of qualifying brands.
- Get a 1% reward in NeuCoins for purchases made outside of Tata brands and for Merchant EMI transactions.
- After downloading the Tata Neu App and registering for Tata NeuPass, gain an extra 5% in NeuCoins for specific categories on the Tata Neu App/Website.
WELCOME OFFERS
- Unlock INR 1499 Neu coins with your credit card as the reversal of your 1st year membership fee.
- The reward will be given on completing 1 transaction within first 30 days of card issuance.
- It will be available in Tata New App within 60 days of any such transaction.
FOREIGN TRANSACTION FEE
2% *Applicable Taxes
FRAUD LIABILITY
Up to ₹9 lakhs
FEATURES
- Collect 10 Axis EDGE points for each spend of INR 200.
- Get 2X reward points for every INR 200 on retail shopping.
- Enjoy upto 12 complimentary international airport lounge access with the help of Priority Pass membership.
WELCOME OFFERS
- Earn 10,000 EDGE REWARD Points equivalent to Rs.2000 on your initial card transaction.
- Ensure the transaction is completed within the first 30 days after card issuance.
- The points will be added to your EDGE REWARDS account within T+12 business days, where T represents the date of the transaction.
FOREIGN TRANSACTION FEE
3.5% *Applicable Taxes
FRAUD LIABILITY
Lost Card Liability Cover
FEATURES
- Fuel Benefits: Earn reward points at a rate of 13 times the normal rate when you make fuel purchases at BPCL petrol pumps.
- Reward Points: Get rewarded with 5 times the regular reward points for every ₹ 100 spent on groceries, departmental stores, movies, and dining.
WELCOME OFFERS
- You will receive a bonus of 2,000 reward points worth Rs. 500 upon card activation
FOREIGN TRANSACTION FEE
3.5% *Applicable Taxes
FRAUD LIABILITY
No
FEATURES
- Enjoy 1% value on shopping in the form of 5 reward points for every INR 100 spent.
- Get 4% value back on fuel transactions in 20 reward points for every INR 100 spent at the IOCL outlet.
- Discount of up to 15% at partner restaurants in India.
WELCOME OFFERS
- 100% cashback on your first fuel transaction completed in the first 30 days of card issuance.
- Movie: 10% off on BookMyShow.
FOREIGN TRANSACTION FEE
3.5% *Applicable Taxes
FRAUD LIABILITY
NA
FEATURES
- Receive 2% back in the form of NeuCoins when spending on Tata Neu and associated Tata Brands. Check the complete list of qualifying brands.
- Get a 1% reward in NeuCoins for purchases made outside of Tata brands and for Merchant EMI transactions.
- After downloading the Tata Neu App and registering for Tata NeuPass, gain an extra 5% in NeuCoins for specific categories on the Tata Neu App/Website. Learn more about the Tata NeuPass.
WELCOME OFFERS
- Unlock 499 NeuCoins on Tata neu app as the reversal of 1st year membership fee.
- The coins are gained on completing a transaction within the first 30 days of the card issuance.
- The coins are available for claim only for the 60 days of any such transaction in the tata New App.
FOREIGN TRANSACTION FEE
3.5% *Applicable Taxes
FRAUD LIABILITY
Zero lost card liability
FEATURES
- Earn 5 times the usual reward points on healthcare products, travel reservations, and international expenditures.
- Accumulate quintuple points for all purchases made on National Doctor's Day, which falls on July 1st.
- Enjoy up to 8 free visits each year to domestic airport lounges in India, with a maximum of two visits allowed every quarter.
WELCOME OFFERS
- Receive an E-Gift Voucher for INR 1500 from Yatra.com.
- You should expect a message containing your digital voucher information within two weeks following your membership fee transaction.
- This code can be applied during online checkout when making a purchase.
FOREIGN TRANSACTION FEE
3.5% *Applicable Taxes
FRAUD LIABILITY
Zero Liability Protection
FEATURES
- Eat out and enjoy INR 1000 off every time you pay via PayEazy.
- Get 2 complimentary lounge access every quarter.
- Enjoy a 1% fuel surcharge waiver on fuel transactions.
WELCOME OFFERS
- Benefit from a 12-month EazyDiner Prime membership valued at INR 2,495.
- Secure a 25% to 50% discount at over 2000 premium eateries & lounges.
- Avail exclusive Prime advantages such as tripling your EazyPoints and use them for complimentary stays in luxury hotels or meals without any charge.
- Receive a welcoming bonus of 2000 EazyPoints.
- Get an exclusive voucher for The Postcard Hotel valued at INR 5,000. Immerse yourself in a luxurious getaway at captivating locations within India and globally.
FOREIGN TRANSACTION FEE
3.5% *Applicable Taxes
FRAUD LIABILITY
Not Cover By Bank
FEATURES
- Gain 5% cashback on all online spending.
- Get 1% cashback on all offline spending.
- Enjoy a 1% fuel surcharge waiver across all petrol pumps in India.
WELCOME OFFERS
- N/A
FOREIGN TRANSACTION FEE
3.5% *Applicable Taxes
FRAUD LIABILITY
Zero Lost Card Liability Cover
FEATURES
- Reward Points: Get 5 reward points for every Rs. 100 spent at partner stores like Lifestyle, Home Centre, and more.
- Fuel Surcharge Waiver: During transactions of Rs. 500 to Rs. 3,000, you will receive a 1% fuel surcharge waiver. The maximum waiver per statement cycle is Rs. 100.
WELCOME OFFERS
- Get 2,000 bonus reward points, equivalent to Rs. 500.
FOREIGN TRANSACTION FEE
3.5% *Applicable Taxes
FRAUD LIABILITY
NA
FEATURES
- Rewards: Faster rewards on Big Bazaar, Food Bazaar, and standalone FBB stores.
- Discount: Get 10% Flat discounts on FBB and Big Bazaar shops.
- Get an Anniversary gift of 2,000 Bonus Reward Points Every Year
WELCOME OFFERS
- With the fbb SBI STYLEUP Credit Card, you'll receive a gift voucher worth Rs.500 as a welcome gift. This voucher can be redeemed at any Fbb or Big Bazaar store.
FOREIGN TRANSACTION FEE
3.5% *Applicable Taxes
FRAUD LIABILITY
Covered Up to 1 Lakh
FEATURES
- 4 free video doctor consultations/month on Practo.
- 2 EDGE Points for every INR 200 spent.
- Annual discount of up to INR 500 on health check-ups.
WELCOME OFFERS
- INR 750 Decathlon OMNI Gift Card voucher as a welcome offer.
- The voucher will be valid for 60 days from card issuance.
FOREIGN TRANSACTION FEE
3.5% *Applicable Taxes
FRAUD LIABILITY
YES
FEATURES
- Complimentary SonyLIV Subscription
- Earn 4 Reward Points on every ₹200 spent
- Instant Discount on Food Orders
WELCOME OFFERS
- N/AMovies: Buy 1 Get 1 on movie tickets
FOREIGN TRANSACTION FEE
3.5% *Applicable Taxes
FRAUD LIABILITY
Zero Lost Card Liability Cover
FEATURES
- Get to earn 2 times more reward points, 4 reward points, for every ₹150 spent online.
- Pay all your vendors and supplier bills with a Business MoneyBack credit card and enjoy a 50-day interest-free period.
- If you spend INR 1.8 Lakh in a year, you will receive a bonus of 2,500 reward points for every anniversary year.
WELCOME OFFERS
- N/A
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.
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