🕒 Last updated on: November 3, 2025
Best Credit Cards for Fuel Spends | Max Rewards
Fuel is one of the most essential yet expensive everyday expenses, especially for those who commute long distances or rely on their vehicles for daily activities. But did you know that your credit card can help you earn valuable rewards every time you fuel up? If you’re looking to make the most of your fuel expenses, you’re in the right place! In this post, we’ll take a look at the top 3 best credit cards for fuel spends that offer the maximum rewards as of November 2025.
Whether you’re looking for cashback, points, or miles, these credit cards will help you maximize your rewards every time you fuel up. Let’s dive in!
Disclaimer: This blog may include partnered links, but this does not affect our rankings or reviews. Our goal is to provide unbiased information to help you make an informed decision.
Top 3 Best Credit Cards for Fuel Spends
In this blog, we review 3 best credit cards for Fuel Spends: Indian Oil RBL Bank XTRA Credit Card, IDFC First Power Plus Credit Card and SBI BPCL Octane Credit Card. Based on our analysis of value back, its cost and overall benefits, here’s our detailed recommendation:
1. Indian Oil RBL Bank XTRA Credit Card
- Joining & Annual Fees: Rs 1,500 + GST
- 7.5% Value back on IOCL Fuel Spends*
- 1% Value back on Other Spends
- Welcome Benefit: 3000 Fuel Points (worth Rs 1,500)**
- Milestone Benefits: 1000 Fuel Points on Spending Rs 75,000 Quarterly
- Annual Fee Waived on annual spends of Rs 2,75,000
- Payment Network: RuPay or MasterCard
- *7.5% Valueback or 15 Fuel Points on every 100 spent on IOCL Fuel Stations up to 2000 Reward Points (Rs 1,000 Valueback/month)
- **Spend 500 or more within 30 days and get 3000 Fuel Points (worth Rs 1500)
- Does not offer Airport/Railway Lounge Benefits
- Reward Type: Fuel Points, 2 Fuel Points = 1Rs
- 1% Fuel Surcharge Waiver up to Rs 200/month
- Offline UPI Transactions under 2,000 at small merchants won’t be considered for Reward Points, Voucher Benefits, Milestones Benefits or other benefits, unless stated otherwise.
2. IDFC First Power Plus Credit Card
- Joining & Annual Fees: Rs 499+ GST
- 6.5% Value back on HPCL Fuel Spends*
- 0.5% Value back on Other Spends
- Welcome Benefit: Rs 750 worth of Gift Cards**
- Domestic Airport Lounge: 1 per Quarter***
- Annual Fee Waived on annual spends of Rs 1,50,000
- Payment Network: RuPay
- *6.5% Valueback as Reward Points on HPCL Fuel Spends up to 650/month (Inclusive of 1.5% Happy Coins on payment through HP Pay)
- **Rs 250 worth of Shoppers Stop Gift Card and Rs 500 worth Gift Card on HPCL Fuel Purchase of Rs 500/more
- ***Offers Airport Lounge Benefits on monthly spends of ₹20,000 or more
- 25% Discount on movies up to Rs 100 per month
- 5% cashback on Grocery Spends up to 100/month
- 5% savings on fastag recharge up to Rs 50/month
- Travel Spends: 53 RPs every 150 spent on hotel and 33 RPs every 150 spent on flights. Bonus RPs max 8000 a month.
- Reward Type: Reward Points, 4 Reward Points = 1Rs
- 1% Fuel Surcharge Waiver up to Rs 200/month
3. SBI BPCL Octane Credit Card
- Joining & Annual Fees: Rs 1,499+ GST
- 6.25% Value back on BPCL Fuel Spends*
- 2.5% Value back on Grocery, Dining, Movies & more**
- Welcome Benefit: 6000 RPs (worth 1,500)***
- Milestone Benefits: Gift Vouchers worth Rs 2,000 on annual spends of Rs 3,00,000
- Annual Fee Waived on spends of Rs 2,00,000
- Domestic Airport Lounge: 1 per Quarter
- *6.25% Valueback or 25 Reward Points or RPs on every 100 spent on BPCL Fuel Stations up to 2500 Reward Points (Rs 625 Valueback/month)
- **2.5% Value back on Grocery, Dining, Departmental Store or Movies Spends up to 7500 RPs per month
- ***Get 6000 bonus reward points equivalent to INR 1500 on payment of annual fees
- Offers Airport Lounge Benefits: Once per Quarter without spend criteria
- Reward Type: Reward Points, 4 Reward Points = 1Rs
- 1% Fuel Surcharge Waiver up to Rs 200/month
- Gift Vouchers worth Rs 2,000 from Aditya Birla Fashion Or Yatra Or Bata/Hush Puppies on annual spends of INR 3 Lakhs
- RuPay Card UPI option not available
Benefits: Best Credit Cards for Fuel Spends
- Tailored Rewards: Value Back on your regular Fuel Spends at the partnered Fuel Stations.
- Exclusive Discounts: Access to special discounts & cashback on Grocery, Travel and Movie Spends.
- Membership Benefits: Enjoy perks like Fuel Station points or loyalty points.
- Flexible Redemption Options: Use points for future purchases, vouchers or travel rewards.
- Airport Lounge Access: Quarterly Access to Domestic Airport Lounge Access.
- Milestone Benefits: Get additional benefits on your daily spends as milestone benefits.
Credit Cult Conclusion
If you’re looking to get the most value out of your fuel spends, these 3 best credit cards for fuel spends stand out with excellent reward-to-cost ratios. We’ve ranked them based on how much value they return per rupee spent on fuel — particularly at their partnered fuel stations.
1. Indian Oil RBL Bank XTRA Credit Card
Despite its higher annual fee, this card offers an impressive 7.5% value back on fuel purchases at Indian Oil outlets. It’s a top pick for frequent IOCL users, especially those who can also take advantage of milestone benefits to further boost savings.
2. IDFC FIRST Power Plus Credit Card
With a modest annual fee of just ₹499, this card delivers strong value — 6.5% value back at HPCL fuel stations. It also offers additional perks on categories like travel, groceries, and movies, plus quarterly domestic lounge access, making it a well-rounded option.
3. SBI BPCL Octane Credit Card
This card offers a 6.25% value back on fuel spends at BPCL outlets and includes lounge access. However, compared to the IDFC FIRST Power Plus Card, it provides slightly less value while charging a higher annual fee — making it less favorable in terms of overall reward-to-cost efficiency.
Which of These 3 Best Credit Cards for Fuel Should You Choose?
Each card brings unique strengths depending on your preferred fuel station and lifestyle needs. If you’re loyal to a particular fuel brand, aligning your credit card accordingly can help you unlock the highest savings. Evaluate the reward rates, annual charges, and added perks — and choose the one that fuels your journey the best.
Drive smart. Spend smarter.
Hey Readers,
We hope you found Credit Cult’s recommendations helpful in selecting the best credit card for your fuel needs. For additional insights, don’t miss our exclusive post where we reveal the best credit card for UPI Spends in India.
Happy reading, and enjoy your journey with the right credit card!
– Saurabh, Credit Cult
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