With rising fuel prices in India, every liter at the pump adds up. For frequent commuters and car owners, finding ways to save on fuel is more important than ever. That’s where fuel cashback credit cards come in. In 2025, several Indian banks and fintech companies are offering credit cards that provide excellent rewards, cashback, and surcharge waivers on fuel purchases.
This comprehensive guide highlights the best credit cards for fuel cashback in India (2025), their features, fees, and how to choose the right one based on your needs.
Why Choose a Fuel Cashback Credit Card?
A fuel cashback credit card is specifically designed to help you save money on petrol or diesel. These cards offer:
- Cashback or reward points on fuel spends
- Fuel surcharge waivers
- Bonus rewards for transactions at specific fuel stations like IndianOil, Bharat Petroleum (BPCL), or HPCL
- Additional benefits like dining discounts, travel perks, and more
Benefits at a Glance
| Feature | Benefit |
|---|---|
| Cashback | Direct saving of 1% to 6% on fuel transactions |
| Fuel Surcharge Waiver | 1% waiver typically on transactions between ₹400–₹5,000 |
| Partner Station Rewards | Bonus points or cashback at specific fuel brands |
| Additional Perks | Lounge access, EMI options, co-branded benefits |
Top 7 Best Credit Cards for Fuel Cashback in India – 2025 Edition
Here’s a detailed breakdown of India’s best credit cards that offer fuel-related cashback and benefits in 2025:
| Credit Card | Fuel Cashback | Fuel Surcharge Waiver | Annual Fee | Ideal For |
|---|---|---|---|---|
| IndianOil Axis Bank Credit Card | 4% (IndianOil fuel) | 1% | ₹500 | IndianOil customers, daily commuters |
| BPCL SBI Card Octane | 7.25% (BPCL fuel) | 1% | ₹1,499 | High fuel spenders at BPCL |
| ICICI HPCL Super Saver Credit Card | 5% (HPCL fuel) | 1% | ₹500 | HPCL users, moderate fuel usage |
| HDFC Bharat Cashback Credit Card | 5% (fuel & bill) | 1% | ₹500 | Budget-savvy fuel users |
| Standard Chartered Super Value Titanium | 5% (fuel) | 1% | ₹750 | Fuel + utility + telecom users |
| Axis Bank Freecharge Plus Card | 2% (fuel) | 1% | ₹350 | Beginners, low spenders |
| AU Small Finance Bank Altura Plus | 1.5% (fuel) | 1% | ₹499 | All-round cashback seekers |
1. IndianOil Axis Bank Credit Card
Key Features:
- Earn 4% value back (20 reward points per ₹100) on IndianOil fuel purchases
- Redeem points for free fuel at IndianOil outlets
- 1% fuel surcharge waiver across IndianOil pumps
- Bonus welcome benefit of 100% cashback on first fuel transaction (up to ₹250)
Charges:
- Annual Fee: ₹500 (waived on ₹50,000 annual spend)
- Interest Rate: 3.4% per month
Why It’s Great:
One of the best co-branded fuel credit cards in partnership with IndianOil. Ideal for daily or monthly refillers loyal to IndianOil pumps.
2. BPCL SBI Card Octane
Key Features:
- Get 13X reward points (6.25%) + 1% fuel surcharge waiver on BPCL fuel
- Welcome e-gift voucher worth ₹1,500
- Complimentary lounge access (4 per year)
- 25 reward points per ₹100 on BPCL spends
Charges:
- Annual Fee: ₹1,499 (renewable annually)
- Renewal Fee Waiver: On ₹2,00,000 annual spend
Why It’s Great:
This card gives the highest reward rate (7.25%) on fuel in India. Best for people who spend ₹8,000–₹15,000 monthly on BPCL fuel.
3. ICICI HPCL Super Saver Credit Card
Key Features:
- 5% cashback on HPCL fuel spends
- Extra benefits on utility bills and groceries
- Redeem reward points for fuel at HPCL outlets using Payback
- ICICI PayLater integration for EMI conversion
Charges:
- Annual Fee: ₹500 (waived on ₹1,50,000 spend)
- Interest Rate: 3.5% per month
Why It’s Great:
A well-rounded card for those who spend frequently on fuel, groceries, and utilities. HPCL-exclusive, so best used where HPCL pumps are easily accessible.
4. HDFC Bharat Cashback Credit Card
Key Features:
- Flat 5% cashback on fuel, bill payments, and mobile recharges
- Accepted at all fuel stations
- Cashback is auto-credited
- UPI-linked card via HDFC mobile app
Charges:
- Annual Fee: ₹500 (waived on ₹50,000 spend)
- Cashback Cap: ₹150 per month
Why It’s Great:
Perfect for users looking for straightforward cashback without brand loyalty to a particular fuel provider.
5. Standard Chartered Super Value Titanium Credit Card
Key Features:
- 5% cashback on fuel spends at all stations
- Cashback also applicable on utility and telecom bills
- 1 reward point per ₹150 on other spends
- Free add-on cards
Charges:
- Annual Fee: ₹750 (waived on ₹60,000 annual spend)
- Cashback Limit: ₹200 per month on fuel
Why It’s Great:
A multi-purpose cashback card, not just limited to fuel. Great if your expenses also include heavy utility or mobile bills.
6. Axis Bank Freecharge Plus Credit Card
Key Features:
- Earn 2% cashback on fuel purchases
- Up to 5% cashback on Freecharge transactions
- Monthly cashback cap: ₹250
- Ideal for digital-first users
Charges:
- Annual Fee: ₹350
- Zero fee on ₹50,000 annual spend
Why It’s Great:
This entry-level credit card is suitable for young adults, college students, or first-time credit card users with low to moderate fuel usage.
7. AU Small Finance Bank Altura Plus
Key Features:
- Flat 1.5% cashback on fuel, groceries, and dining
- Additional 5% cashback on online spends
- UPI-compatible credit card
- Complimentary lounge access
Charges:
- Annual Fee: ₹499
- Renewal waived on ₹1,00,000 spend
Why It’s Great:
A modern cashback card for those who love cash value across multiple categories including fuel.
How to Choose the Right Fuel Cashback Credit Card in 2025
1. Your Fuel Brand Loyalty
If you mostly use one brand like BPCL, IndianOil, or HPCL, choose a co-branded card for higher benefits.
2. Monthly Fuel Spend
High spenders (₹10,000–₹20,000/month) benefit from premium cards like BPCL Octane. Moderate users may do better with cards like HDFC Bharat Cashback or ICICI HPCL.
3. Other Spending Needs
Some cards combine fuel cashback with rewards for groceries, dining, or utility bills. Choose multi-benefit cards like AU Altura Plus or StanChart Titanium if your spends are diverse.
4. Fee vs Reward Value
Look at annual fees and check if they are waived off based on usage. A high-fee card may still be worth it if you spend enough to earn substantial cashback.
Quick Comparison: Fuel Cashback Potential (₹10,000 Monthly Fuel Spend)
| Card Name | Cashback Rate | Monthly Cashback | Annual Cashback | Fee Waiver? |
|---|---|---|---|---|
| BPCL SBI Octane | 7.25% | ₹725 | ₹8,700 | Yes (₹2L spend) |
| IndianOil Axis | 4% | ₹400 | ₹4,800 | Yes (₹50K spend) |
| HDFC Bharat Cashback | 5% | ₹150 (capped) | ₹1,800 | Yes (₹50K spend) |
| ICICI HPCL Super Saver | 5% | ₹500 | ₹6,000 | Yes (₹1.5L spend) |
| StanChart Titanium | 5% | ₹200 (capped) | ₹2,400 | Yes (₹60K spend) |
FAQs – Fuel Cashback Credit Cards India 2025
Q1: Are fuel surcharge waivers the same as cashback?
No. Cashback reduces your final bill, while surcharge waivers refund the extra charge (usually 1%) levied at the pump.
Q2: Can I use these cards at any petrol pump?
Some are co-branded (e.g., BPCL, IndianOil), and offer benefits only at partner stations. Others like HDFC Bharat or StanChart Titanium are brand-agnostic.
Q3: Do these cards work for diesel as well?
Yes. Cashback and surcharge waivers apply to both petrol and diesel purchases.
Q4: Is GST included in the fuel cashback?
Generally, cashback is not applicable on the GST component. It’s calculated on the transaction value excluding tax.
Final Verdict: Which is the Best Fuel Cashback Credit Card in 2025?
If you’re looking for:
- Maximum fuel savings → Go for BPCL SBI Octane Card
- Low annual fee and good returns → IndianOil Axis Bank Credit Card
- Flexible usage at any pump → HDFC Bharat Cashback Credit Card
- Multi-category cashback → Standard Chartered Super Value Titanium