Most credit cards earn nothing on fuel. Co-branded fuel cards change that, returning up to about 7% at partner pumps. We ranked them for a commuter who spends about ₹10,000 a month on fuel.
How we rank: estimated yearly value for a "daily commuter" spending ₹31,500 a month, after reward caps, annual fee (with GST) and forex costs. Rank cards with your own spends →
| Fee waiver | Lounge | Best for | Compare | ||||
|---|---|---|---|---|---|---|---|
BPCL SBI Card OCTANE SBI Card · Visa |
₹1,499 | ₹2,00,000 spend | Up to 7.25% | 3.5% | 4 domestic visits a year | Daily commuters who fuel at BPCL | |
BPCL SBI Card SBI Card · Visa / Mastercard |
₹499 | ₹1,00,000 spend | Up to 4.25% | 3.5% | None | Budget fuel savings at BPCL pumps for a ₹499 fee | |
IndianOil HDFC Bank HDFC Bank · Mastercard |
₹500 | ₹50,000 spend | Up to 5% | 3.5% | None | Low-cost fuel savings at IndianOil pumps |
BPCL SBI Card OCTANE returns about 7.25% at BPCL pumps, the ₹499 BPCL SBI Card about 4.25%, and IndianOil HDFC about 5% at IndianOil outlets, all with monthly caps.
Pumps charge a 1% surcharge on card payments. Many cards refund it on transactions within a set range, up to a monthly limit.