Best Credit Card for Fuel in India 2026: Surcharge Waiver & Fuel Points

Best Credit Cards for Fuel

Fuel surcharge waivers and accelerated points at IndianOil, HPCL and BPCL pumps.

IDFCRuPay

Up to 6.5% savings at HPCL: 30X points (5%) on up to ₹12,000 a month plus 1.5% extra via HP Pay, and 5% on FASTag

Annual fee₹589View details

Unity Small Finance Bank LtdRuPay

Fuel can be picked as one of two monthly categories earning up to 20% cashback, capped at ₹2,500 a month

Annual feeLifetime freeView details

SBIVisa, RuPay

7.25% value back on BPCL fuel (25 points per ₹100, up to 2,500 points a cycle) plus 1% surcharge waiver at BPCL

Annual fee₹1,769View details

RBL BankRuPay, Mastercard

15 Fuel Points per ₹100 at IndianOil (up to 7.5% value back), 1,000 quarterly bonus points and ₹1,500 welcome points

Annual fee₹1,770View details

Bank of BarodaRuPay

24 points per ₹150 (4%) on HPCL fuel and LPG plus 1.5% extra Payback via HP Pay, with 4 lounge visits

Annual fee₹589View details

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