Before diving into the list, here are a few reasons why using a credit card for fuel and utility bill payments is beneficial:
- Fuel Surcharge Waiver: Save up to 2.5% on fuel transactions.
- Cashback & Reward Points: Earn money back or points redeemable for vouchers.
- Bill Payment Reminders: Automate recurring utility payments to avoid late fees.
- Exclusive Offers: Access to discounts and partner benefits.
- Budget Management: Consolidate payments and track expenses via statements.
🥇 Top Credit Cards for Fuel & Utility Bill Payments in India (2025)
Here’s a comprehensive list of the best cards categorized by fuel and utility features:
| Credit Card | Best For | Annual Fee | Fuel Surcharge Waiver | Utility Benefits |
|---|---|---|---|---|
| HDFC Bharat Cashback Card | Fuel + Utility Cashback | ₹500 | 1% waiver at fuel stations | 5% cashback on utility bills via PayZapp/SmartPay |
| IndianOil HDFC Bank Credit Card | Fuel Savings | ₹500 | 1% waiver at all fuel pumps | Limited |
| SBI BPCL Credit Card | BPCL Fuel Spenders | ₹499 | 1% waiver at BPCL pumps | Reward points on bill payments |
| Axis ACE Credit Card | Utility Bills Cashback | ₹499 | 1% fuel surcharge waiver | 5% cashback on Google Pay bill payments |
| Standard Chartered Super Value Titanium | Fuel Cashback | ₹750 | 2.5% cashback (up to ₹200/month) | 5% cashback on utility bills |
| ICICI HPCL Super Saver Card | HPCL Users | ₹500 | 1% waiver at HPCL | Reward points on utilities |
| Amazon Pay ICICI Card | Zero Annual Fee + Utility | NIL | 1% fuel waiver | 1% cashback on utility bills |
🔍 Detailed Review of Each Card
1. HDFC Bharat Cashback Credit Card
Best For: All-round savings on fuel and utility bills
Annual Fee: ₹500 (Waived on annual spend of ₹50,000)
Key Benefits:
- 5% cashback on utility bill payments via PayZapp and SmartPay
- 5% cashback on fuel spends
- 1% fuel surcharge waiver (on transactions ₹400–₹5000)
Ideal For: Users who prefer an all-in-one card for daily fuel and bill payments.
2. IndianOil HDFC Credit Card
Best For: Frequent Indian Oil fuel buyers
Annual Fee: ₹500
Key Benefits:
- Earn up to 50 litres of free fuel annually
- 5% fuel points on IndianOil transactions
- 1% fuel surcharge waiver
Utility Benefits: Limited rewards on utility bills, but can be used via SmartPay.
3. SBI BPCL Credit Card
Best For: BPCL fuel customers
Annual Fee: ₹499 (Reversed on spend of ₹50,000/year)
Key Benefits:
- 4.25% value back (13X reward points) on BPCL fuel
- 1% fuel surcharge waiver
- 5X points on groceries and department stores
- Acceptable rewards for bill payments
Drawback: Points are redeemable only for BPCL fuel.
4. Axis Bank ACE Credit Card
Best For: Utility bill cashback via UPI
Annual Fee: ₹499 (Waived on ₹2 lakh annual spend)
Key Benefits:
- 5% cashback on Google Pay utility payments
- 2% flat cashback on other spends
- 1% fuel surcharge waiver (up to ₹500/month)
USP: One of the best cards for bill payments through UPI.
5. Standard Chartered Super Value Titanium
Best For: High cashback on fuel and bills
Annual Fee: ₹750 (Waived on ₹60,000 annual spend)
Key Benefits:
- 5% cashback on utility bills
- 5% cashback on fuel (at select fuel stations)
- 1 reward point per ₹150 on other spends
Conditions: Cashback is capped monthly, so best for moderate users.
6. ICICI HPCL Super Saver Credit Card
Best For: HPCL fuel station users
Annual Fee: ₹500
Key Benefits:
- 4% cashback on HPCL fuel
- 1% fuel surcharge waiver on transactions above ₹400
- 2 reward points per ₹100 on utility bill payments
Note: Use the ICICI HP Pay app for maximum benefits.
7. Amazon Pay ICICI Credit Card
Best For: No-fee card with steady cashback
Annual Fee: NIL
Key Benefits:
- 1% cashback on utility payments
- 1% fuel surcharge waiver
- 5% cashback on Amazon (Prime), 3% (Non-Prime)
Perfect For: Online shoppers and budget-conscious users.
📱 Utility Bill Payments: Which Card Offers the Best Cashback?
| Credit Card | Utility Bill Cashback | Bill Payment Method |
|---|---|---|
| Axis ACE | 5% | Google Pay |
| HDFC Bharat | 5% | PayZapp/SmartPay |
| SC Super Value | 5% | Direct Bill Payment |
| Amazon Pay ICICI | 1% | Amazon Pay |
| ICICI HPCL | 0.5–1% (via points) | Direct/Auto Debit |
Verdict: For utility bills, Axis ACE and HDFC Bharat Cashback cards offer the highest returns.
⛽ Fuel Payments: Who Wins?
| Credit Card | Fuel Cashback/Rewards | Partner Pump |
|---|---|---|
| SBI BPCL | 13X points (~4.25% value) | BPCL only |
| IndianOil HDFC | 5% fuel points | IndianOil |
| ICICI HPCL | 4% cashback | HPCL |
| SC Titanium | 5% cashback | Select pumps |
| HDFC Bharat | 5% cashback | All pumps |
Verdict: If you use one fuel brand regularly, go for its partner card. For all-brand usability, HDFC Bharat Cashback is a winner.
🧠 How to Choose the Best Credit Card for Your Needs?
Here’s what to consider:
1. Fuel Brand Loyalty
- Use BPCL? → SBI BPCL Card
- Use IndianOil? → IndianOil HDFC
- Use HPCL? → ICICI HPCL Card
- Use All brands? → HDFC Bharat or SC Titanium
2. Bill Payment Channel
- Prefer UPI? → Axis ACE
- Prefer Auto Debit? → HDFC SmartPay
- Prefer Wallets like Amazon Pay? → Amazon ICICI Card
3. Annual Spend
Check if you can meet spend thresholds for annual fee waivers. Otherwise, a lifetime free card like Amazon Pay ICICI may be better.
4. Rewards vs Cashback
- Prefer cashback? → HDFC Bharat, Axis ACE, SC Titanium
- Prefer rewards system? → SBI BPCL, IndianOil HDFC
✅ Tips to Maximize Benefits
- Automate Payments: Link utility bills via bank portals like SmartPay or UPI apps.
- Track Fuel Spends: Stay within surcharge waiver limits (usually ₹400–₹5000).
- Use the Right Pump: Some benefits are exclusive to specific fuel stations.
- Redeem Points Wisely: Use points for fuel, gift vouchers, or statement credit.
- Avoid Cash Withdrawals: High interest + no rewards.
❓ FAQs – Fuel and Utility Credit Cards
Q1. Can I use credit cards to pay electricity and water bills?
Yes, most utility providers accept credit card payments online or via bank apps.
Q2. Is there a limit to fuel surcharge waiver?
Yes, usually up to ₹250–₹500/month and only on transactions within ₹400–₹5000.
Q3. Which card is best if I use Google Pay?
Axis ACE Credit Card – 5% cashback on utility bills via Google Pay.
Q4. Are fuel credit cards good for everyday shopping?
Some offer benefits on groceries and online spends, but check the reward structure.
🏁 Final Thoughts
The best credit card for fuel and utility bill payments depends on your usage pattern, fuel brand preference, and whether you prefer cashback or reward points. If you want an all-in-one solution:
- ✅ Best Overall: HDFC Bharat Cashback Credit Card
- 💡 Best for Bill Payments via UPI: Axis ACE Credit Card
- ⛽ Best for Fuel Savings: SBI BPCL Card or IndianOil HDFC
- 🆓 Best Zero-Fee Option: Amazon Pay ICICI Credit Card
By choosing the right card and using it smartly, you can save thousands annually on routine expenses.