Top 10 Fuel Credit Cards (2026) Compared
Verified specs, published fees, and actual standout earn rates.
| Rank | Credit Card | Annual Fee | Key Standout / Rewards | Lounge Visits | Review |
|---|---|---|---|---|---|
| #1 | ₹1,500Waived at ₹2.8L | 4.3% effective earn + 1% surcharge waiver | None | Full Review | |
| #2 |  IndianOil Axis Bank Credit CardAxis Bank | ₹500 | 4.0% effective earn + 1% surcharge waiver | None | Full Review |
| #3 |  IndianOil Easy Axis Bank Credit CardAxis Bank | Lifetime Free | 4.0% effective earn + 1% surcharge waiver | None | Full Review |
| #4 |  IndianOil Kotak Credit CardKotak Mahindra Bank | ₹449Waived at ₹0.5L | 4.0% effective earn + 1% surcharge waiver | None | Full Review |
| #5 |  Super Value Titanium Credit CardStandard Chartered Bank | ₹750 | 5.0% effective earn | None | Full Review |
| #6 |  Union UNI-CARBON Credit CardUnion Bank of India | ₹550Waived at ₹1.0L | 4.0% effective earn + 1% surcharge waiver | None | Full Review |
| #7 |  BPCL SBI CardSBI Card | ₹499Waived at ₹1.0L | 3.3% effective earn + 1% surcharge waiver | None | Full Review |
| #8 |  IndianOil RBL Bank Credit CardRBL Bank | ₹500Waived at ₹1.8L | 3.0% effective earn + 1% surcharge waiver | None | Full Review |
| #9 |  IndianOil HDFC Bank Credit CardHDFC Bank | ₹500Waived at ₹0.5L | 2.5% effective earn + 1% surcharge waiver | None | Full Review |
| #10 |  ICICI HPCL Coral Credit CardICICI Bank | ₹199Waived at ₹0.5L | 2.0% effective earn + 1% surcharge waiver | None | Full Review |
Why These Top 10 Cards Won Our 2026 Evaluation
Data-driven reasons behind each card's placement, highlighting real net value after fees.
Annual fee waived on ₹2.8L annual spend. Offers 8.5 points per ₹100 on fuel.
1 points per ₹100 base reward rate.
Lifetime free with zero annual fee burden. Offers 4X reward acceleration on fuel.
Annual fee waived on ₹0.5L annual spend. Delivers 2% accelerated cashback on grocery shopping and dining & food delivery.
Delivers 5% accelerated cashback on fuel and utility bill payments.
Annual fee waived on ₹1.0L annual spend. Offers 8X reward acceleration on fuel.
Annual fee waived on ₹1.0L annual spend. Offers 13X reward acceleration on fuel and dining & food delivery.
Annual fee waived on ₹1.8L annual spend. Offers 12X reward acceleration on fuel.
Annual fee waived on ₹0.5L annual spend. Offers 5 points per ₹100 on fuel and grocery shopping.
Annual fee waived on ₹0.5L annual spend. Solid 2% flat cashback across all eligible spends.
How We Rank: Fuel Credit Cards Methodology
Zero Sponsored Placements
We do not accept commercial payments to rank one card above another. Every card is evaluated purely by audited math, official fees, and reward caps.
Honest Fee & Cap Deductions
Banks frequently market headline rates that are capped monthly. We apply these caps and deduct renewal fees to surface true net returns.
Verified MITC Policy Audits
Exclusion lists (fuel, rent, utility, insurance) and spend-gated requirements are audited directly from official Key Fact Statements (KFS).
Frequently Asked Questions: Fuel Credit Cards
Common questions answered objectively using official Reserve Bank of India (RBI) and issuer rules.
Which is the best fuel credit cards in India for 2026?
Based on verified data and net reward value, IndianOil RBL Bank XTRA Credit Card ranks #1 in our 2026 assessment, closely followed by IndianOil Axis Bank Credit Card. Rankings account for base rewards, category accelerators, annual fees, and hidden exclusion policies.
How does the 1% fuel surcharge waiver work in practice?
The 1% fuel surcharge waiver refunds the convenience surcharge levied by fuel pumps on transactions typically between ₹400 and ₹5,000. It does NOT waive the 18% GST on the surcharge, and most banks cap the waiver amount between ₹100 and ₹400 per billing cycle.
Do co-branded fuel cards earn accelerated rewards at all petrol bunks?
No. High earn rates (4% to 7.5%) are strictly locked to the partner network—such as IndianOil cards at IndianOil outlets, BPCL cards at BPCL stations, or HPCL cards on the HP Pay app. Refueling at rival stations earns only the base reward rate or zero rewards.
Do fuel spends count towards annual fee waiver spend milestones?
On standard rewards credit cards, fuel transactions are almost universally excluded from annual fee waiver milestone calculations. However, dedicated co-branded fuel cards generally count fuel spends toward their annual waiver threshold.
Explore All 188 Fuel Credit Cards
Filter and compare every eligible card by annual fee, bank, and reward features.
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 188 credit cards (including 63 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
Beyond Credit Card
Annual Fee
₹25,000
Headline Rate
2% cashback
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
RBL Bank iGlobe Credit Card
Annual Fee
₹3,000
Headline Rate
10x on travel
BOBCARD Premier
Annual Fee
₹1,000
Headline Rate
10x on dining
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
Axis Bank Olympus Credit Card
Annual Fee
₹20,000
Headline Rate
1 pts/₹100
Axis Bank Primus Credit Card
Annual Fee
₹3,00,000
Headline Rate
1 pts/₹100
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
BOBCARD Easy
Annual Fee
₹500
Headline Rate
1x on other
BOBCARD Select
Annual Fee
₹750
Headline Rate
5x on online
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
Indian Navy Varunah Premium BOBCARD
Annual Fee
₹2,499
Headline Rate
15x on travel
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
Axis Bank Platinum Credit Card
Annual Fee
₹200
Headline Rate
3 pts/₹100
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
Kotak NRI Royale Signature Credit Card
Annual Fee
₹1,000
Headline Rate
0.5 pts/₹100
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
Doctor's SBI Card (in association with IMA)
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
RBL Bank BankBazaar SaveMax Pro Credit Card
Annual Fee
₹1,499
Headline Rate
10x on groceries
BOBCARD Micro Enterprise
Annual Fee
₹500
Headline Rate
1x on other
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
Karur Vysya SBI Gold Card
Annual Fee
₹499
Headline Rate
2.5x on dining
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
Karur Vysya SBI Platinum Card
Annual Fee
₹2,999
Headline Rate
1.25x on dining
Karur Vysya SBI Signature Card
Annual Fee
₹4,999
Headline Rate
1.25x on dining
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
KrisFlyer SBI Card
Annual Fee
₹2,999
Headline Rate
2.5x on travel
KrisFlyer SBI Card Apex
Annual Fee
₹9,999
Headline Rate
4x on travel
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
₹250
Headline Rate
1x on other
YES BANK novio Credit Card
Annual Fee
Free
Headline Rate
5 pts/₹100
YES Bank novio RuPay Credit Card
Annual Fee
Free
Headline Rate
5x on travel
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
DCB novio Credit Card
Annual Fee
Free
Headline Rate
0 pts/₹100
Platinum Rewards Card
Annual Fee
Free
Headline Rate
3.33x on dining
Google Pay Flex SBI Card
Annual Fee
₹499
Headline Rate
0.4x on online
SBM novio Credit Card
Annual Fee
Free
Headline Rate
1x on fuel
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