Fuel Credit Cards in India (2024)
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FEATURES
- Enjoy the amazing 10% cashback on Zomato, Swiggy, and Bigbasket.
- Get 4 complimentary lounge visits per year.
- Eran 10% cashback on utility bill payments made via Airtel Thanks App.
WELCOME OFFERS
- Get an Amazon eVoucher of INR 500 on the first transaction made within 30 days.
FOREIGN TRANSACTION FEE
3.6% *Applicable Taxes
FRAUD LIABILITY
Lost Liability Cover
FEATURES
- Accumulate 4X reward points on spending ₹150.
- Enjoy the credit limit of a minimum of 100% of the FD value.
- Get 1% fuel surcharge waiver.
WELCOME OFFERS
- Movie: Get 50% on movie ticket booking via BookMyShow
FOREIGN TRANSACTION FEE
-1% *Applicable Taxes
FRAUD LIABILITY
Lost Card Liability Cover Rs. 25000
FEATURES
- Accumulate 3X reward points on other retail transactions.
- Reward yourself with 5% savings on utility and grocery expenses.
- Get a 1% fuel surcharge waiver on fuel purchases at Authorized HPCL Fuel stations.
WELCOME OFFERS
- Enjoy the welcome benefit of ₹2500.
- Get ₹500 cashback on your first fuel transaction of ₹500 or more at HPCL stations.
- Enjoy 5% cashback, capped at ₹1,000, on the amount of your first EMI conversion transaction.
- Receive a ₹150 discount on Swiggy orders over ₹500.
- Avail ₹1000 off on car rentals through ZoomCar.
- Benefit from discounts of up to 50% on both domestic and international car rentals with Eco Rent-A-Car and Europcar.
- Note: All these offers are valid within 30 days of setting up your card.
FOREIGN TRANSACTION FEE
3.5% *Applicable Taxes
FRAUD LIABILITY
Lost Card Liability Cover of Rs. 25000
FEATURES
- Get 2 reward points on weekends for spending Rs. 100.
- Get 2 complimentary lounge access quarterly.
- Earn 4 complimentary golf games monthly.
WELCOME OFFERS
- Gift voucher worth Rs. 5000 from Luxe Gift
- Movies: BOGO on booking with BookMyShow
FOREIGN TRANSACTION FEE
1.8% *Applicable Taxes
FRAUD LIABILITY
NA
FEATURES
- Receive a 1% fuel surcharge discount at all fuel stations across India.
- Get 6 Reward Points for every INR 200 spent on dining, films, departmental outlets, and groceries.
- Collect 2 Reward Points for every INR 200 charged on other categories.
WELCOME OFFERS
- 500 bonus reward points for spending ₹500 within 30 days of card issuance.
FOREIGN TRANSACTION FEE
3.5% *Applicable Taxes
FRAUD LIABILITY
Card Lost Liability Cover
FEATURES
- Personalized Design Card: On the face of the card, you will find a distinctive, hand-crafted illustration that captures the image of the cardholder uniquely.Higher Credit Limit: The card offers a minimum limit of Rs. 10 Lakh, and it also allows for an instant credit limit increase, enabling you to make larger purchases. However, please be aware that this feature is subject to the bank's sole discretion.Movies: Complimentary Movies Tickets
WELCOME OFFERS
- N/A
FOREIGN TRANSACTION FEE
2% *Applicable Taxes
FRAUD LIABILITY
NA
FEATURES
- Gain 4 reward points for spending every ₹150 on special categories- travel, hotel, restaurants, and international spending.
- Enjoy 2 complimentary lounge access each quarter in select Dream Folks lounge
- 2 reward points for every ₹150 spent on other categories.
WELCOME OFFERS
- N/A
FOREIGN TRANSACTION FEE
3.5% *Applicable Taxes
FRAUD LIABILITY
Lost Card Liability Cover
FEATURES
- Earn 5 points for each Rs. 100 spent on items like groceries, cinema tickets, and shopping at department stores
- Receive 1 point for every Rs. 100 spent in various other categories
- Benefit from a 1% reduction on fuel surcharges at all fuel locations across India for transactions ranging from ₹ 400 to ₹ 5,000 (up to a maximum of ₹ 250 per billing cycle
WELCOME OFFERS
- Get the benefit of 3 months subscription to Disney+ Hotstar.
- Enjoy all premium benefits with lifetime free credit card
FOREIGN TRANSACTION FEE
3% *Applicable Taxes
FRAUD LIABILITY
Lost Liability Cover
FEATURES
- Accumulate 5 reward points for every ₹100 spent.
- Enjoy 12 free access passes to airport lounges (3 each quarter).
- Lower Forex markup of 2% on international transactions.
WELCOME OFFERS
- Get the FitPass Pro membership of Rs. 15000 free for 6 months
FOREIGN TRANSACTION FEE
2% *Applicable Taxes
FRAUD LIABILITY
Zero Lost Card Liability Cover
FEATURES
- Enjoy up to 16 reward points on your spending of Rs. 200.
- Get 20000 reward points on annual spending of Rs. 12 lakhs or more.
- Access to 2 complimentary domestic lounge access quarterly.
WELCOME OFFERS
- Spend Rs. 20,000 within 30 days of the card set-up date for a first-year membership fee waiver.
- Spend Rs. 1000 in 30 days and get an Amazon voucher for Rs.500. This applies only to online applications.
FOREIGN TRANSACTION FEE
1.75% *Applicable Taxes
FRAUD LIABILITY
Lost Liability Cover
FEATURES
- Use PLAY Credit Card on BookMyShow for up to INR 100 off on food and drinks.
- Waive fuel surcharge up to INR 100 monthly for transactions between INR 500-4,000.
- Spend INR 5,000 monthly for 2 free tickets worth INR 250 each for movies/events.
WELCOME OFFERS
- Get the discount of INR 500 on doing bookings from BookMyShow app/website.
- For the discount, make a purchase within 30 days of card issuance.
FOREIGN TRANSACTION FEE
3.5% *Applicable Taxes
FRAUD LIABILITY
NA
FEATURES
- Gain up to 40 reward points for every Rs.100 on booking tickets on IRCTC.
- Get 4 reward points on spending Rs. 100 at grocery and retail stores.
- Enjoy a 1% fuel surcharge waiver with a maximum capping of Rs.100 per statement cycle.
WELCOME OFFERS
- Receive 1000 bonus Reward Points when you make a transaction of Rs. 1000 or more using your card within the first 45 days of card issuance.
FOREIGN TRANSACTION FEE
-1% *Applicable Taxes
FRAUD LIABILITY
Card Lost Liability Cover
FEATURES
- Enjoy up to 10 reward points on shopping INR 100 at grocery or departmental stores.
- Get a 1% fuel surcharge waiver across all fuel stations in India.
- Easily convert high-value transactions into EMIs of 6-36 months.
WELCOME OFFERS
- Enjoy the card with multiple benefits for a lifetime free.
- Get a free FITPASS Pro membership for half a year, valued at ₹15,000.
- Earn 1,000 bonus points when you activate your card within the first month.
- Enjoy a one-year Amazon Prime membership when you spend a minimum of ₹100,000 within the first three months.
FOREIGN TRANSACTION FEE
3.5% *Applicable Taxes
FRAUD LIABILITY
Zero Lost Card Liability Cover
FEATURES
- Gain 5 reward points for every Rs.100 at grocery and retail stores.
- Enjoy a 1% fuel surcharge waiver with a maximum capping of Rs.250 per statement cycle.
- Lifetime free card with maximum benefits
WELCOME OFFERS
- Lifetime free card with multiple benefits
- Movies: 5 reward points on tickets of Rs. 100
FOREIGN TRANSACTION FEE
3.5% *Applicable Taxes
FRAUD LIABILITY
Zero Lost Card Liability Cover
FEATURES
- Earn upto 10X reward on purchases from DBS Delight.
- Enjoy a 40% value back on the memberships.
- Enjoy 8 complimentary lounge access at the domestic airports in a year.
WELCOME OFFERS
- Enjoy the benefit of 20000 cash points as a welcome bonus.
- Valid on making the first transaction within 60 days of card issuance.
FOREIGN TRANSACTION FEE
3.5% *Applicable Taxes
FRAUD LIABILITY
Lost Card Liability Cover
FEATURES
- Lifetime free credit card
- Enjoy air miles conversion options for InterMiles, British Airways, and Singapore Airlines.
- Get 5 times rewards on subsequent purchases after crossing a spend amount of INR 400,000, with a maximum of 15,000 accelerated reward points in an anniversary year.
- Avail up to INR 3,000 in annual savings on fuel surcharges.
WELCOME OFFERS
- Obtain an Amazon voucher worth INR 500.
- Enjoy a Swiggy voucher worth INR 250.
- Choose between 3 complimentary airport lounge access at domestic and international lounges or 3 meal vouchers.
- Receive a 10% cashback when you make at least 5 eligible transactions with a total spend of Rs. 10,000 within the first 2 months of card issuance.
FOREIGN TRANSACTION FEE
3.5% *Applicable Taxes
FRAUD LIABILITY
Lost Liability Cover
FEATURES
- Zero joining/annual fee
- Enjoy a 10% cashback, with a maximum limit of INR 1,000.
- Earn 3 times rewards for online, dining, and telecom expenditures.
- Save up to INR 3,000 annually on fuel surcharges.
WELCOME OFFERS
- Receive an Amazon gift voucher valued at Rs. 500 along with a Swiggy voucher worth Rs. 250.
- Obtain a 10% cashback, with a maximum of Rs. 1,000, when you perform a minimum of 5 transactions totaling Rs. 5,000 or more in the initial 60 days after receiving the card.
FOREIGN TRANSACTION FEE
3.5% *Applicable Taxes
FRAUD LIABILITY
Lost Liability Cover
FEATURES
- Enjoy Reward Points with no expiration date.
- Access 26 complimentary airport lounge visits.
- Benefit from a competitive foreign markup fee of only 1.99%.
- Play 5 rounds of golf for free annually.
- Get a waiver on fuel surcharges.
- Receive online fraud protection and coverage for lost cards.
WELCOME OFFERS
- Receive a complimentary Epicure Membership along with a one-night stay at Taj Hotels.
FOREIGN TRANSACTION FEE
1.99% *Applicable Taxes
FRAUD LIABILITY
Card Lost Liability Cover
FEATURES
- On Every INR 200 Spend on travel and dining get 4 Rewards Points
- On Every 200 spent on other than travel and dining get 2 rewards points
- 10 Rewards points value = 1 InterMile/1 Club Vistara Point
WELCOME OFFERS
- N/A
FOREIGN TRANSACTION FEE
3.4% *Applicable Taxes
FRAUD LIABILITY
Card Lost Liability Cover
FEATURES
- Get 10 reward points on spending INR 100 at BookMyShow, Pizza Hut, or KFC.
- Enjoy the fuel surcharge waiver or a max of INR 100 per month.
- Get 1 reward point on spending INR 100.
WELCOME OFFERS
- Enjoy the cinema experience at your convenience with 4 movie tickets, each valued at INR 250, through BookMyShow.
- You can take advantage of this INR 1000 benefit by redeeming it in 2 separate transactions, each allowing a maximum of 2 tickets worth INR 500 in total.
- You can get this benefit when you do the first transaction within 30 days, and can be availed in 60 days.
FOREIGN TRANSACTION FEE
3.5% *Applicable Taxes
FRAUD LIABILITY
Zero Lost Liability Cover
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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