A fuel credit card pays its best rate at one brand’s pumps, so the right card depends on where you fill up. This list shows what each fuel card pays back at its own brand, the monthly cap and the annual fee. Data as of October 2026.
Fuel credit cards by what they pay at their brand
| Card | Back | Where it applies | Monthly cap | Annual fee |
|---|---|---|---|---|
 RBL Bank IndianOil XTRA Credit Card | 7.5% | IndianOil (IOCL) fuel stations | ₹1,000 a month | ₹1,770 a year |
 SBI BPCL Octane Credit Card | 6.25% | Bharat Petroleum (BPCL) | ₹625 a month | ₹1,769 a year |
 RBL Bank IndianOil Credit Card | 5% | IndianOil (IOCL) fuel stations | ₹500 a month | ₹590 a year |
 IDFC FIRST HPCL Power+ Credit Card | 5% | Hindustan Petroleum (HPCL) | ₹600 a month | ₹589 a year |
 IndianOil HDFC Bank Credit Card | 4.8% | Indian Oil (IOCL) | ₹144 a month | ₹590 a year |
 IndianOil Axis Bank Premium Credit Card | 4% | Indian Oil (IOCL) | ₹600 a month | ₹1,180 a year |
 IndianOil Axis Bank Credit Card | 4% | Indian Oil (IOCL) | ₹200 a month | ₹590 a year |
 HPCL ENERGIE BOBCARD Credit Card | 4% | Eligible HPCL retail outlets on the HPCL/BOBCARD merchant (MID/TID) list, HPCL LPG and the HP Pay app | ₹250 a month | ₹589 a year |
 SBI BPCL Credit Card | 3.25% | Bharat Petroleum (BPCL) | ₹325 a month | ₹589 a year |
 IndusInd Bank Jio-bp Mobility+ Credit Card | 3% | Jio-bp | ₹300 a month | Lifetime free |
How to read it: the rate is each card’s stated value at its partner pumps (its points valued as the bank states), with the bank’s monthly cap. At other brands these cards pay their base rate. What a bank pays SkyloFin is never part of the order.
What to check before you pick one
- Your usual pump. A BPCL card pays little at an IndianOil pump. Pick the brand you can reach most often.
- The cap against your fuel bill. If your monthly fuel spend is above the point where the cap is reached, the extra spend earns the base rate.
- The fuel surcharge waiver. Most cards waive the 1% fuel surcharge only on bills within a range the bank sets, with a monthly limit. The card’s page states its range.
- GST on the fee. Fees above are as each bank states them; GST is added where the bank says so.
See every fuel card
All fuel cards, with fees and eligibility: fuel credit cards.
Questions people ask
Which is the best fuel credit card in India?
For its brand’s pumps, RBL Bank IndianOil XTRA Credit Card pays the most on our data (7.5%). The best card for you is the one for the brand you fill up at most.
Do fuel cards pay rewards at every petrol pump?
The high rate is only at the partner brand. At other pumps most cards pay their base rate, and the surcharge waiver may still apply.
Updated 18 Oct 2026.
