Top 10 Fuel Credit Cards In India 2021

Fuel credit cards are the credit cards that offer benefits on fuel purchases. Nowadays when the value of fuel is rising day by day, these cards can help us to save some money from our fuel expenses. Most of the card providers now offer fuel credit cards to their users, the main benefits of a fuel card are – Fuel surcharge waiver, Discount on fuel purchase, Reward benefits, Dining and Movie Benefits, etc. Of course, every credit card does not offer all those benefits, therefore while choosing a credit card one needs to be very selective to find out the card that fits perfectly with his lifestyle.  It is very important to choose a card that fits your lifestyle unless the card will not beneficial for you.

However, we have picked the top 10 fuel credit cards in India 2021 for you, by comparing their benefits and offers you can get your desired credit card. 

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  BPCL SBI Card

• Fee:
  • Joining Fee: ₹499 + GST
  • Annual Fee: ₹ 499 + GST
• Card Type:
  • It is powered by Visa.
• Benefits:
  • With this card you will get 4.25% cashback on fuel purchase, T&C applies.
  • You can win big reward points on Other spends too.
  • With the issuance of the card you will get 200 reward points as a welcome gift, T&C applies.

BPCL SBI credit card is best for fuel purchase, this card also comes with a lower annual fee and a number of other benefits.

• ICICI Bank HPCL Credit Card

• Fee:
  • Joining Fee: ₹ 199 + GST.
  • Annual Fee: ₹ 199 + GST.
• Card Type:
  • It is powered by Visa as well as MasterCard.
• Benefits:
  • This card offers a 2.5% discount on fuel purchases at HPCL fuel stations, T&C applies.
  • With this card, you can also earn reward points from every purchase. T&C apply.
  • You can also get ₹100 off on movie tickets, conditions apply.

This card offers a big discount on fuel purchase and a number of other benefits too, if you are looking for a card that can earn you benefits on fuel purchase, then this card will be perfect for you. 

• Axis Bank IndianOil Credit Card

• Fee:
  • Joining Fee: ₹ 500 + GST
  • Annual Fee: ₹ 500 + GST (Can be waived off)
• Card Type:
  • It is a Visa Credit card.
• Benefits:
  • As a welcome gift, you will get 100% cashback on all fuel purchases made within the first 30 days, conditions apply.
  • You can get up to a 30% discount on hotel bookings.
  • You can also get a 5% discount on your flight booking.

This card offers some categories, also it comes with a lower annual fee. You can use this card as a primary credit card

• Standard Chartered Super Value Titanium Credit Card

• Fee:
  • Joining Fee: ₹ 750 + GST
  • Annual Fee: ₹ 750 + GST
• Card Type:
  • It is powered by MasterCard.
• Benefits:
  • With this card you can earn up to a 5% discount on fuel purchases, conditions apply.
  • You can also win a big discount on utility bill payments.
  •  You can also win reward points from every purchase.

This card is best suited for fuel purchase and bill payment if properly used this card can earn you a big reward at the end of the month.

• American Express Platinum Travel Credit Card

• Fee:
  • Joining Fee: ₹3,500 + GST
  • Annual Fee: ₹5,000 + GST
• Card Type:
  • It is powered by American Express.
• Benefits:
  • With this card, you can enjoy a 0% surcharge on fuel purchases, T&C Apply.
  • With this card, you can get a travel voucher for ₹ 4 lakh.
  • You can get access to most of the premium airport lounges.

American Express Platinum Travel Credit Card, offers many benefits to its customers, although the annual & joining fee of the card is a little higher, the benefits offered by the card easily justify it. This card should be used as a primary card.

• RBL Platinum Travel Easy Super Card

• Fee:
  • Joining Fee: ₹999 + GST
  • Annual Fee: ₹ 999 + GST
• Card Type:
  • It is powered by  MasterCard.
• Benefits:
  • With this card you will get a 10% discount on fuel purchases, conditions apply.
  • On online cab booking, you will get up to 10% discount with this card.
  • With this card, you don’t need to pay any additional cost on fuel purchase.

 RBL Platinum Travel Easy Super Card is perfect for fuel purchase and other travel-related expenses, this card also comes with a number of other helpful features and benefits. You can use it as your secondary card for travel-related expenses.

• HSBC Premier MasterCard Credit Card

• Fee:
  • Joining Fee: None
  • Annual Fee: None
• Card Type:
  • It is powered by MasterCard.
• Benefits:
  • You can get a 2.5% waiver on fuel surcharges,
  • You can get access to most of the MasterCard lounges, T&C applies.
  • You can also earn a big Cash-Back on movie tickets, conditions apply.

With HSBC Premier MasterCard Credit Card you can earn big benefits both on fuel and other categories, you can earn more benefits from this card if you use it as your primary credit card.

• RBL Platinum ValuePlus SuperCard

• Fee:
  • Joining Fee: ₹499 + GST
  • Annual Fee: ₹499 + GST
• Card Type:
  • It is powered by MasterCard.
• Benefits:
  • With this card you can win up to 10% cashback on fuel purchases, conditions apply.
  • You can win a ₹1,000 gift voucher yearly, T&C apply.
  • You will get a ₹500 gift voucher as a Welcome gift, conditions apply.

This card mainly offers benefits on fuel purchase, therefore you will be most benefited if you use it as your secondary credit card.

• Kotak Mahindra Royale Signature Credit Card

• Fee:
  • Joining Fee: ₹1499 + GST
  • Annual Fee: ₹999 + GST
• Card Type:
  • It is a visa-powered Signature credit card.
• Benefits:
  • You can earn up to ₹3,500 waved off on fuel surcharges, conditions apply.
  • You can win 30,000 reward points on ₹8lakh spend in a year, T&C apply.
  • You can get access to visa lounges, conditions apply.

Kotak Mahindra Royale Signature Credit Card offers benefits mainly on fuel purchase, there are many other benefits too. This card is perfect for a secondary credit card.

• BOB Prime Credit Card

• Fee:
  • Joining Fee: None
  • Annual Fee: None
• Card Type:
  • It is powered by MasterCard.
• Benefits:
  • With this card you can save up to ₹250 on fuel surcharges, Conditions apply.
  • With this card you can earn reward points from each transaction, conditions apply.
  • This card offers 1% cashback on each transaction, T&C applies.

This card comes with several offers and benefits, also it comes with no joining and annual fee, if you use this card as your secondary credit card, you can get the best benefit. 

 From the above list you can find out the fuel card that suits your lifestyle, there are various types of benefits that a fuel card offers, like cashback, reward points, discount on fuel surcharges, etc. So before choosing a credit card, determine what kind of benefit you want to earn from your card, it will help you to pick out a few cards from the list. The next step is to compare those cards according to their charges and the benefit you can earn from that card. by comparing those cards you can get your desired credit card.

Before choosing a fuel credit card there are some factors that you should keep in mind: 

1. Participating company – Some credit cards offer benefits on a particular brand, so before you choose a card make sure if the benefits apply to a particular company or not.
2. Savings – before choosing a card calculate the maximum savings that you can make with this card.
3. Surcharges – Fuel purchase with credit cards costs extra charges, so make sure that the card you choose, offers a waiver on fuel surcharges.
4. A fee waiver – Some credit card offers annual fee waiver, where on spending a certain amount you can get a 100% discount on your annual fees. If your chosen card has that feature, then it can be more beneficial for you.
5. Sometimes to earn benefits from a credit card, you have to spend a certain amount. While choosing a card, make sure that that amount is not very high, because it will be difficult for you to get the benefits.

Nowadays, choosing a credit card has become much difficult, but if you can choose the right credit card, it can earn you huge benefits. Benefits also depend on card usage, a properly used credit card can prove to be a very helpful financial tool, so select the right card and use it properly to get the best out of it.