Fuel Credit Cards in India (2024)
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FEATURES
- Get up to 6 Etihad Guest Miles on spending Rs.100.
- Enjoy a maximum 10% discount on booking tickets via Etihad Airways' direct booking portal.
- Enjoy access to over 1000 lounges globally.
WELCOME OFFERS
- Get 5000 Etihad Guest Miles and EYG Miles within 15 days of annual fee payment.
FOREIGN TRANSACTION FEE
3.5% *Applicable Taxes
FRAUD LIABILITY
Lost Liability Cover of Rs. 1 Lakh
FEATURES
- For every INR 100 spent on travel, eating, and overseas purchases, you can earn 2 reward points.
- Earn one reward point for every INR 100 on purchases from all merchant categories.
- The lowest cross-currency foreign mark-up costs are charged on all international transactions, at 0.99%.
WELCOME OFFERS
- Opportunity to select from a range of luxury brand vouchers or even reward points worth INR 5000 on the card activation
- Movies: Upto 4 BOGO tickets every quarter via BookMyShow.
FOREIGN TRANSACTION FEE
0.99% *Applicable Taxes
FRAUD LIABILITY
Lost Card Liability Cover
FEATURES
- ₹1000 discount on zoom car rentals.
- ₹250 cashback on 1st HPCL fuel transaction of ₹250 or above.
- Enjoy 2.5% rewards on your monthly grocery and utility expenditures, applicable to amounts up to ₹4,000.
WELCOME OFFERS
- Get welcome benefits worth ₹2250
FOREIGN TRANSACTION FEE
3.5% *Applicable Taxes
FRAUD LIABILITY
Lost Card Liability Cover of Rs. 25000
FEATURES
- Enjoy 1000 reward points on activating cards in just 30 days.
- Get the benefit of Amazon Prime membership for a year by spending Rs. 1 lakh within 90 days of card issuance.
- Get the benefit of 8 complimentary lounge access.
WELCOME OFFERS
- Get the FitPass Pro membership of Rs. 15000 free for 6 months
FOREIGN TRANSACTION FEE
3.5% *Applicable Taxes
FRAUD LIABILITY
Zero Lost Card Liability Cover
FEATURES
- Enjoy 5 reward points on spending Rs. 100 every time.
- Get the fuel surcharge waiver.
- Benefit from the no annual charges for the card.
WELCOME OFFERS
- Enjoy 5 reward points on spending Rs. 100 every time.
- Get the fuel surcharge waiver.
- Benefit from the no annual charges for the card.
FOREIGN TRANSACTION FEE
-1% *Applicable Taxes
FRAUD LIABILITY
Lost Card Liability Cover
FEATURES
- Every INR 100 spent at grocery and department stores earns you 5X or 10 reward Points.
- 1 Reward Point for every INR 100 spent on all the other categories.
- Free access to eight airport lounges each year (two per quarter).
WELCOME OFFERS
- A free 6-month pro membership to FITPASS, valued at INR 15,000, is provided.
- On card activation within 30 days, receive 1000 reward points.
- On purchases of at least 1 lakh rupees within 90 days after issuance, receive a 12-month Amazon Prime membership.
FOREIGN TRANSACTION FEE
-1% *Applicable Taxes
FRAUD LIABILITY
Lost Card Liability Cover
FEATURES
- Receive 5 bonus points for every ₹ 100 expenditure on Groceries, Retail outlets, and movie visits.
- Collect 1 point for each ₹ 100 used in other sectors.
- Annual card charges are waived when you spend ₹25,000 within a year.
WELCOME OFFERS
- N/A
FOREIGN TRANSACTION FEE
3.5% *Applicable Taxes
FRAUD LIABILITY
Zero Lost Card Liability Cover
FEATURES
- Receive 10 bonus points for every ₹ 150 expenditure on groceries, utilities, and departmental stores.
- Collect 2 reward points for each ₹ 150 used in other sectors.
- Enjoy 1 complimentary access to domestic lounges every quarter.
WELCOME OFFERS
- On spending ₹5000 or more within the first 60 days of card issuance, get 2000 reward points.
- Movies: Enjoy 25% off on a minimum of 2 movie ticket bookings via PayTm movies with a maximum capping of INR 100.
FOREIGN TRANSACTION FEE
3.5% *Applicable Taxes
FRAUD LIABILITY
Zero Lost Card Liability Cover
FEATURES
- Buy from the Snapdeal website or application and get 20 reward points for spending INR100.
- Enjoy 10 reward points for INR 100 on online shopping, groceries, and departmental stores.
- Get a 1% fuel surcharge waiver on fuel spending between INR 400-5000.
WELCOME OFFERS
- Use your card within 30 days of issuance and get an amazing ₹500 voucher from Snapdeal.
FOREIGN TRANSACTION FEE
3.5% *Applicable Taxes
FRAUD LIABILITY
Zero Lost Card Liability Cover
FEATURES
- 1% surcharge waiver on fuel purchases.
- 2 Reward Points on every Rs. 100 spent.
- 2.5% cashback on fuel purchases of a minimum of Rs.500.
WELCOME OFFERS
- Get welcome vouchers worth Rs.9000 within 45 days of joining.
- Movie: Buy one and get Rs.500 off on the next.
FOREIGN TRANSACTION FEE
3.5% *Applicable Taxes
FRAUD LIABILITY
Lost Card Liability Cover
FEATURES
- Get 0.75% cashback on all retail purchases.
- Enjoy 5% cashback on groceries.
- Benefit from 5% cashback on YES PayNow utility bill payments.
WELCOME OFFERS
- A cashback of Rs. 250 when you spend Rs. 2500.
- Movies: 5% cashback on movie tickets
FOREIGN TRANSACTION FEE
3.4% *Applicable Taxes
FRAUD LIABILITY
Zero Lost Card Liability Cover
FEATURES
- Earn 4 reward points when you shop online.
- Earn 2 reward points for further purchases.
- Get 5% back on necessary business purchases.
WELCOME OFFERS
- Spend INR 500 within the first 90 days to earn 1000 bonus points.
- The additional gift voucher is only available to RIO Club members and is worth INR 500.
FOREIGN TRANSACTION FEE
3.5% *Applicable Taxes
FRAUD LIABILITY
Lost Card Liability Cover
FEATURES
- Extra discount of up to INR 1,500 or 15% off at Eazydiner with PayEazy.
- Up to 20% discount on online and offline shopping, wellness, and hotel stays.
- Earn 3 Reward Points for every INR 150 spent on retail.
WELCOME OFFERS
- Get a welcome voucher worth INR 5000 across various categories like apparel, dining, shopping, and others by activating your card in just 30 days.
FOREIGN TRANSACTION FEE
3.5% *Applicable Taxes
FRAUD LIABILITY
Zero Lost Card Liability Cover
FEATURES
- Earn 3% cashback on Paytm transactions (including Recharge, Utility, Movies, and Mini App) with a monthly cap of INR 500.
- Receive 2% cashback for selected other Paytm spends, capped monthly at INR 500.
- Get 1% cashback on all other retail purchases, with a monthly limit of INR 1000.
WELCOME OFFERS
- Get the Paytm First membership for a premium subscription, exclusive benefits, partnerships with top brands, and availability on a minimum transaction of INR 100.
- Receive an INR 250 gift voucher after card activation and completing 2 non-EMI transactions within the first 30 days. Qualified customers will be notified about how to avail their gift vouchers.
- Movies: 3% cashback on movie tickets with a capping of INR 500 per month.
FOREIGN TRANSACTION FEE
1% *Applicable Taxes
FRAUD LIABILITY
Lost Card Liability Cover
FEATURES
- Earn 5% cashback with a monthly cap of INR 1500 on Paytm transactions (including recharge, utilities, movies, and Mini app).
- Receive 3% cashback, with a monthly cap of INR 500, on purchases made on platforms and brands, including Swiggy, AJIO, Big Basket, and Uber.
- Get 1% cashback on any other retail purchases, up to INR 2,000 monthly.
WELCOME OFFERS
- Get a Paytm First subscription for a premium rate, special advantages, alliances with leading brands, and accessibility with a minimum transaction of INR 100.
- Activate your card, make 4 non-EMI purchases within the first 30 days, and receive a gift card worth INR 500. Qualified customers will be notified about how to avail their gift vouchers.
FOREIGN TRANSACTION FEE
1% *Applicable Taxes
FRAUD LIABILITY
Lost Card Liability Cover
FEATURES
- Earn 2% extra cashback when you use the Scan & Pay feature on the Paytm App with specific merchants, up to a monthly limit of INR 250.
- Get 2% cashback for specific categories: Swiggy and Uber, with a monthly cap of INR 250.
- Receive 1% cashback on all other shopping expenses, including those on Paytm, up to INR 500 per month.
WELCOME OFFERS
- Receive up to INR 150 cashback on your first two purchases. To benefit from this offer, each transaction should be a minimum of INR 250.
FOREIGN TRANSACTION FEE
3.6% *Applicable Taxes
FRAUD LIABILITY
Lost Card Liability Cover
FEATURES
- Enjoy 1.5 reward points for every INR 150 spent on this card.
- Get a 1% fuel waiver on purchasing fuel from any fuel station in India.
- Redeem your reward points for a range of benefits.
WELCOME OFFERS
- Get the voucher from any premium brands like Vero Moda, gift vouchers, Amazon vouchers, and others.
- Movies: Receive two complimentary movie tickets, valued at ₹200 each, every month at theaters.
FOREIGN TRANSACTION FEE
1.8% *Applicable Taxes
FRAUD LIABILITY
Lost Card Liability Cover
FEATURES
- Earn 5% cashback with a monthly cap of INR 1500 on Paytm transactions (including recharge, utilities, movies, and Mini app).
- Receive 3% cashback, with a monthly cap of INR 500, on purchases made on platforms and brands, including Swiggy, AJIO, Big Basket, and Uber.
- Get 1% cashback on any other retail purchases, up to INR 2,000 monthly.
WELCOME OFFERS
- Get a Paytm First subscription for a premium rate, special advantages, alliances with leading brands, and accessibility with a minimum transaction of INR 100.
- Movies: 5% cashback on movie tickets with a capping of INR 500 per month.
FOREIGN TRANSACTION FEE
3.5% *Applicable Taxes
FRAUD LIABILITY
Zero Lost Card Liability Cover
FEATURES
- Earn 4 points for every INR150 online spend, excluding EMI, fuel, and wallet loads.
- Get 2 points for INR150 POS spent, excluding EMI, fuel, and wallet loads.
- 5% cashback on utilities, telecom, IRCTC, and government payments, capped at INR250 monthly.
WELCOME OFFERS
- Activate as instructed to avoid the annual fee or spend INR 45,000 (non-EMI) within the first 90 days for a first-year fee waiver.
FOREIGN TRANSACTION FEE
3.5% *Applicable Taxes
FRAUD LIABILITY
Lost Card Liability Cover
FEATURES
- Get 4 points for every INR 150 on online and POS buys (EMI, fuel, and wallet loads excluded).
- 5% cashback on business costs like utilities and taxes (up to INR 250/month).
- Get 8 free domestic airport lounge visits yearly, max 2 per quarter.
WELCOME OFFERS
- Activate as instructed to avoid the annual fee or spend INR 75,000 (non-EMI) within the first 90 days for a first-year fee waiver.
FOREIGN TRANSACTION FEE
3.5% *Applicable Taxes
FRAUD LIABILITY
Lost Card 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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