Best Fuel Credit Cards in India 2026
Cards with accelerated fuel rewards, ranked on real earn value — surcharge waivers and caps called out. We compared 167 credit cards (including 62 lifetime free cards) on real net value after applying fees, reward caps, and exclusions.
IndianOil RBL Bank XTRA Credit Card
4.3% effective earn + 1% surcharge waiver
IndianOil RBL Bank XTRA Credit Card
Annual Fee
₹1,500
Headline Rate
8.5x on fuel
IndianOil Axis Bank Credit Card
Annual Fee
₹500
Headline Rate
4x on fuel
IndianOil Easy Axis Bank Credit Card
Annual Fee
Free
Headline Rate
4x on fuel
IndianOil Kotak Credit Card
Annual Fee
₹449
Headline Rate
4% on fuel
Super Value Titanium Credit Card
Annual Fee
₹750
Headline Rate
5% on fuel
Union UNI-CARBON Credit Card
Annual Fee
₹550
Headline Rate
16x on fuel
BPCL SBI Card
Annual Fee
₹499
Headline Rate
13x on fuel
IndianOil RBL Bank Credit Card
Annual Fee
₹500
Headline Rate
6x on fuel
IndianOil HDFC Bank Credit Card
Annual Fee
₹500
Headline Rate
5x on fuel
ICICI HPCL Coral Credit Card
Annual Fee
₹199
Headline Rate
0% on fuel
Kotak Cashback+ Prime Credit Card
Annual Fee
₹750
Headline Rate
5% on online
Bandhan Bank Lumina Credit Card
Annual Fee
₹9,999
Headline Rate
8 pts/₹100
IndusInd Jio-bp Mobility+ Credit Card
Annual Fee
Free
Headline Rate
12x on fuel
KVB Eternis Credit Card
Annual Fee
₹29,999
Headline Rate
6x on travel
ICICI Emeralde Credit Card
Annual Fee
₹12,000
Headline Rate
4x on travel
Tata Neu Infinity SBI Credit Card
Annual Fee
₹1,499
Headline Rate
5% on online
AU Altura+ Credit Card
Annual Fee
₹499
Headline Rate
1.5% on online
RBL Bank Insignia Preferred Banking Credit Card
Annual Fee
₹7,000
Headline Rate
10x on travel
BOBCARD Easy
Annual Fee
Free
Headline Rate
1x on other
BOBCARD Select
Annual Fee
Free
Headline Rate
5x on online
Bandhan Bank Flare Credit Card
Annual Fee
₹2,499
Headline Rate
5 pts/₹100
ESAF Bank INORI RuPay Platinum Credit Card
Annual Fee
Free
Headline Rate
1.25% cashback
ICICI Emeralde Private Metal Credit Card
Annual Fee
₹12,499
Headline Rate
3x on groceries
IndianOil Axis Bank Premium Credit Card
Annual Fee
₹1,000
Headline Rate
6x on fuel
IndusInd Pioneer Private Credit Card
Annual Fee
₹25,000
Headline Rate
3x on other
Air India SBI Signature Card
Annual Fee
₹4,999
Headline Rate
10x on travel
Tata Neu Plus SBI Credit Card
Annual Fee
₹499
Headline Rate
2% on online
Paytm SBI Card
Annual Fee
₹499
Headline Rate
3% on travel
Paytm SBI Card SELECT
Annual Fee
₹1,499
Headline Rate
5% on travel
MakeMyTrip ICICI Bank Platinum Credit Card
Annual Fee
Free
Headline Rate
1 pts/₹100
ICICI HPCL Super Saver Credit Card
Annual Fee
₹500
Headline Rate
0% on fuel
AU Spont Credit Card
Annual Fee
₹299
Headline Rate
1% on other
AU Altura Credit Card
Annual Fee
₹199
Headline Rate
2% on groceries
IDFC FIRST LIC Select Credit Card
Annual Fee
Free
Headline Rate
8x on insurance
RBL Bank Signature Banking Credit Card
Annual Fee
₹2,500
Headline Rate
1% on travel
RBL Bank LUMIÈRE Credit Card
Annual Fee
₹50,000
Headline Rate
4x on travel
UNI Credit Card
Annual Fee
₹499
Headline Rate
1% on other
UNI Rupay Credit Card
Annual Fee
Free
Headline Rate
1% on other
IndusInd Samman Credit Card
Annual Fee
₹199
Headline Rate
1% on other
CRED IndusInd Bank RuPay Credit Card
Annual Fee
Free
Headline Rate
5x on online
PNB RuPay Metal LUXURA Credit Card
Annual Fee
₹7,500
Headline Rate
12x on travel
PNB Visa Metal LUXURA Credit Card
Annual Fee
₹1,999
Headline Rate
12x on travel
Union RuPay Select Credit Card
Annual Fee
₹550
Headline Rate
4 pts/₹100
Union VISA Signature Credit Card
Annual Fee
₹1,999
Headline Rate
4 pts/₹100
Union Sparsh Credit Card
Annual Fee
₹550
Headline Rate
4 pts/₹100
IOB VISA Platinum Credit Card
Annual Fee
₹250
Headline Rate
1% on other
OneCard Metal Credit Card
Annual Fee
Free
Headline Rate
1x on other
CUB CSK Master World Credit Card
Annual Fee
₹4,000
Headline Rate
2x on travel
CUB SRH Master World Credit Card
Annual Fee
₹4,000
Headline Rate
2x on travel
IDBI Bank LIC CSL Eclat Select Credit Card
Annual Fee
Free
Headline Rate
4 pts/₹100
Utkarsh SmartGen Credit Card
Annual Fee
₹199
Headline Rate
1% cashback
MobiKwik First Suryoday SFB RuPay Platinum Credit Card
Annual Fee
Free
Headline Rate
1% cashback
IDFC FIRST Power Credit Card
Annual Fee
₹199
Headline Rate
3.5x on fuel
IndusInd Avios Visa Infinite Credit Card
Annual Fee
₹10,000
Headline Rate
3x on travel
IDBI Bank Euphoria World Credit Card
Annual Fee
₹1,499
Headline Rate
6x on travel
IDBI Bank Royale Signature Credit Card
Annual Fee
Free
Headline Rate
3 pts/₹100
IDBI Bank LIC CSL Lumine Platinum Credit Card
Annual Fee
Free
Headline Rate
3 pts/₹100
PNB Premium Metal Credit Card LUXURA (Army Officer)
Annual Fee
₹1,999
Headline Rate
2.67 pts/₹100
Kotak Solitaire Business Credit Card
Annual Fee
Free
Headline Rate
7x on travel
CUB CSK Master Platinum Credit Card
Annual Fee
₹1,000
Headline Rate
1.6x on dining
CUB SRH Master Platinum Credit Card
Annual Fee
₹1,000
Headline Rate
1.6x on dining
SBI Card MILES
Annual Fee
₹1,499
Headline Rate
1x on travel
Air India SBI Platinum Card
Annual Fee
₹1,499
Headline Rate
5x on travel
Shaurya Select SBI Card
Annual Fee
₹1,499
Headline Rate
5x on dining
AU CA Metal Credit Card
Annual Fee
Free
Headline Rate
8x on dining
AU CS Credit Card
Annual Fee
Free
Headline Rate
8x on dining
Paytm AU Credit Card
Annual Fee
Free
Headline Rate
1x on other
RBL Bank World Safari Credit Card
Annual Fee
₹3,000
Headline Rate
5x on travel
RBL Bank Icon Credit Card
Annual Fee
₹5,000
Headline Rate
20x on travel
RBL Bank Platinum Delight Credit Card
Annual Fee
₹1,000
Headline Rate
4x on other
IRCTC RBL Bank Credit Card
Annual Fee
₹500
Headline Rate
2.5x on travel
Klick Credit Card
Annual Fee
Free
Headline Rate
2x on other
POP-CLUB Credit Card
Annual Fee
₹399
Headline Rate
10x on online
Bandhan Bank Ignite Credit Card
Annual Fee
₹999
Headline Rate
4x on groceries
PNB Prakram Credit Card
Annual Fee
Free
Headline Rate
2 pts/₹100
Canara Rupay Classic Credit Card
Annual Fee
Free
Headline Rate
2 pts/₹100
Canara MasterCard Standard Credit Card
Annual Fee
Free
Headline Rate
2 pts/₹100
Canara VISA Classic Credit Card
Annual Fee
Free
Headline Rate
2 pts/₹100
Canara Mastercard Gold Credit Card
Annual Fee
Free
Headline Rate
2 pts/₹100
Canara VISA Gold Credit Card
Annual Fee
Free
Headline Rate
2 pts/₹100
Canara Mastercard Gold Secured Credit Card
Annual Fee
Free
Headline Rate
2 pts/₹100
Canara VISA Gold Secured Credit Card
Annual Fee
Free
Headline Rate
2 pts/₹100
Canara Rupay Platinum Credit Card
Annual Fee
Free
Headline Rate
2 pts/₹100
Canara Visa Platinum Credit Card
Annual Fee
Free
Headline Rate
2 pts/₹100
Canara Mastercard Platinum Credit Card
Annual Fee
Free
Headline Rate
2 pts/₹100
Canara Rupay Platinum Secured Credit Card
Annual Fee
Free
Headline Rate
2 pts/₹100
Canara Rupay Select Credit Card
Annual Fee
Free
Headline Rate
5x on utilities
Canara Rupay Select Secured Credit Card
Annual Fee
Free
Headline Rate
2 pts/₹100
Canara MasterCard World Credit Card
Annual Fee
Free
Headline Rate
2 pts/₹100
Canara Visa Signature Credit Card
Annual Fee
Free
Headline Rate
2 pts/₹100
Union DIVAA ICON Credit Card
Annual Fee
₹1,499
Headline Rate
2 pts/₹100
Union RuPay Platinum Credit Card
Annual Fee
₹350
Headline Rate
2 pts/₹100
Union VISA Platinum Credit Card
Annual Fee
₹450
Headline Rate
2 pts/₹100
Union JCB Health Credit Card
Annual Fee
₹499
Headline Rate
2 pts/₹100
UCO Bank SBI Card PRIME
Annual Fee
₹2,999
Headline Rate
2x on utilities
Karnataka Bank Prime SBI Credit Card
Annual Fee
₹2,999
Headline Rate
2x on utilities
KVB Honour Credit Card
Annual Fee
₹999
Headline Rate
5.33x on travel
IDBI Bank Winnings Credit Card
Annual Fee
₹899
Headline Rate
2 pts/₹100
Adani One ICICI Bank Signature Credit Card
Annual Fee
₹5,000
Headline Rate
1.5x on travel
Adani One ICICI Bank Platinum Credit Card
Annual Fee
₹750
Headline Rate
1x on travel
IndusInd Legend Credit Card
Annual Fee
Free
Headline Rate
2x on other
IndusInd Pinnacle Credit Card
Annual Fee
Free
Headline Rate
2.5x on online
IndusInd Tiger Credit Card
Annual Fee
Free
Headline Rate
6x on other
IndusInd Pioneer Heritage Credit Card
Annual Fee
₹25,000
Headline Rate
2.5x on travel
IndusInd Pioneer Legacy Credit Card
Annual Fee
Free
Headline Rate
2x on other
IndusInd Celesta Credit Card
Annual Fee
₹5,000
Headline Rate
3x on travel
IndusInd Crest Credit Card
Annual Fee
₹10,000
Headline Rate
2.5x on travel
IndusInd EazyDiner Platinum Credit Card
Annual Fee
Free
Headline Rate
2x on other
IndusInd Platinum Visa Credit Card
Annual Fee
Free
Headline Rate
1x on other
IndusInd Platinum Master Credit Card
Annual Fee
Free
Headline Rate
1x on other
CUB CSK RuPay Platinum Credit Card
Annual Fee
Free
Headline Rate
1.33x on other
CUB SRH RuPay Platinum Credit Card
Annual Fee
Free
Headline Rate
1.33x on other
HSBC Visa Platinum Credit Card
Annual Fee
Free
Headline Rate
8x on travel
HPCL Energie BOBCARD
Annual Fee
₹499
Headline Rate
1.33x on fuel
KVB Platinum Credit Card
Annual Fee
₹599
Headline Rate
2.67x on travel
IDBI Bank Aspire Platinum Credit Card
Annual Fee
Free
Headline Rate
1.33 pts/₹100
IDBI Bank Imperium Platinum Credit Card (Secured)
Annual Fee
₹499
Headline Rate
1.33 pts/₹100
BPCL SBI Card OCTANE
Annual Fee
₹1,499
Headline Rate
1x on fuel
Shaurya SBI Card
Annual Fee
₹250
Headline Rate
5x on dining
Doctor's SBI Card
Annual Fee
₹1,499
Headline Rate
5x on travel
ICICI Bank Parakram Credit Card
Annual Fee
Free
Headline Rate
1 pts/₹100
AU Ananta Credit Card
Annual Fee
₹2,000
Headline Rate
5x on other
AU Laksya Credit Card
Annual Fee
₹1,000
Headline Rate
5x on groceries
AU Tejas Credit Card
Annual Fee
₹500
Headline Rate
1x on other
AU Prathama Credit Card
Annual Fee
₹100
Headline Rate
2x on other
AU Xcite Ultra Credit Card
Annual Fee
₹749
Headline Rate
1 pts/₹100
AU Kosmo Credit Card
Annual Fee
Free
Headline Rate
1 pts/₹100
ixigo AU Credit Card
Annual Fee
Free
Headline Rate
1x on travel
AU Traverse Credit Card
Annual Fee
₹4,999
Headline Rate
1 pts/₹100
IDFC FIRST Power+ Credit Card
Annual Fee
₹499
Headline Rate
5x on fuel
RBL Bank Cookies Credit Card
Annual Fee
₹1,200
Headline Rate
5x on online
RBL Bank Play Credit Card
Annual Fee
₹500
Headline Rate
1 pts/₹100
RBL Bank Patanjali Vishisht Credit Card
Annual Fee
₹499
Headline Rate
10x on groceries
RBL Bank Patanjali Swarn Credit Card
Annual Fee
₹1,499
Headline Rate
10x on groceries
Zagg Credit Card
Annual Fee
Free
Headline Rate
1 pts/₹100
Bandhan Bank Sparks Credit Card
Annual Fee
₹499
Headline Rate
1 pts/₹100
Union VISA Gold Credit Card
Annual Fee
₹350
Headline Rate
1 pts/₹100
BOI Celestia Credit Card
Annual Fee
₹11,999
Headline Rate
5x on dining
IOB RuPay Platinum Credit Card
Annual Fee
₹250
Headline Rate
1 pts/₹100
IOB RuPay Select Credit Card
Annual Fee
₹500
Headline Rate
1 pts/₹100
Equitas PowerMiles Credit Card
Annual Fee
₹5,000
Headline Rate
1.5x on travel
Equitas Selfe Credit Card
Annual Fee
₹1,000
Headline Rate
3.5x on dining
Kwik Axis Bank Credit Card
Annual Fee
Free
Headline Rate
1 pts/₹100
AU Zenith+ Credit Card
Annual Fee
₹4,999
Headline Rate
2x on dining
IOB VISA Classic Credit Card
Annual Fee
Free
Headline Rate
1 pts/₹100
IOB VISA Gold Credit Card
Annual Fee
Free
Headline Rate
1 pts/₹100
IOB RuPay Classic Credit Card
Annual Fee
Free
Headline Rate
0.67 pts/₹100
UCO Bank SimplySAVE SBI Card
Annual Fee
₹499
Headline Rate
6.67x on dining
Karnataka Bank SimplySave SBI Credit Card
Annual Fee
₹499
Headline Rate
6.67x on dining
Apollo SBI Card
Annual Fee
₹499
Headline Rate
3x on other
Apollo SBI Card SELECT
Annual Fee
₹1,499
Headline Rate
10x on other
Equitas Tiga Credit Card
Annual Fee
₹500
Headline Rate
3x on other
Reliance SBI Card
Annual Fee
₹499
Headline Rate
10x on online
IDFC FIRST SWYP Credit Card
Annual Fee
₹499
Headline Rate
0.25 pts/₹100
SimplySAVE SBI Card
Annual Fee
₹499
Headline Rate
1.667x on dining
Emirates Skywards ICICI Bank Emeralde Credit Card
Annual Fee
₹10,000
Headline Rate
2x on travel
Emirates Skywards ICICI Bank Sapphiro Credit Card
Annual Fee
₹5,000
Headline Rate
1.5x on other
Nainital Bank Renaissance BOBCARD
Annual Fee
Free
Headline Rate
1x on other
Kotak Air+ Credit Card
Annual Fee
₹3,000
Headline Rate
2x on other
Canara VISA Corporate Credit Card
Annual Fee
Free
Headline Rate
0 pts/₹100
Indian Bank One Co-Branded Credit Card
Annual Fee
Free
Headline Rate
0 pts/₹100
IB-Rupeek Co-Branded Gold Backed Credit Card
Annual Fee
Free
Headline Rate
0 pts/₹100
IOB VISA Signature Credit Card
Annual Fee
₹750
Headline Rate
0 pts/₹100
IOB ZET Card
Annual Fee
Free
Headline Rate
0 pts/₹100
CUB Kavach RuPay Credit Card
Annual Fee
Free
Headline Rate
0 pts/₹100
CUB Kavach Master Credit Card
Annual Fee
Free
Headline Rate
0 pts/₹100
Platinum Rewards Card
Annual Fee
Free
Headline Rate
3.33x on dining
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