Every litre of petrol or diesel in India comes with a hidden 1% surcharge. The right fuel credit card cancels that fee and even adds cashback on top. In 2025, banks like SBI, ICICI, HDFC, and Axis are offering lifetime-free cards that make fuel cheaper for everyday drivers.
India Snapshot
- Fuel Surcharge: Standard 1% at pumps, waived by fuel cards.
- Rewards: Up to 5% cashback or 25x reward points on fuel spends.
- Payments: All major cards support UPI (RuPay), EMI, auto-debit.
- GST Invoice: Applicable on surcharge before waiver.
- Annual Fees: ₹0 – ₹1,499 (waived on spends).
Save on every litre in 2025:
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Best Fuel Credit Cards in India (2025)
1. SBI BPCL Octane Credit Card
- 7.25% value back on BPCL fuel.
- 1% surcharge waiver across all pumps.
- Free fuel worth ₹6,000/year possible.
Best for: Bharat Petroleum loyalists.
2. ICICI Bank HPCL Super Saver Card
- 5% cashback on HPCL fuel (via ICICI FASTag).
- 1% fuel surcharge waiver.
- Additional rewards on groceries & bill payments.
Best for: HPCL users.
3. HDFC Bharat Cashback Credit Card
- 5% cashback on fuel, groceries, bill payments.
- Accepted widely across pumps.
- Lifetime free for many customers.
Best for: Everyday fuel + utility spenders.
4. Axis Bank IndianOil RuPay Credit Card
- 4% value back on IndianOil fuel.
- Works on UPI (PhonePe, GPay, Paytm).
- 1% surcharge waiver.
Best for: UPI-linked card lovers.
5. Standard Chartered Super Value Titanium Card
- 5% cashback on fuel across all pumps.
- Additional cashback on utilities & phone bills.
- Low annual fee, often waived.
Best for: Mixed spends + fuel.
Other Notable Mentions
- BPCL SBI Card (entry-level variant) – free fuel up to ₹3,000/year.
- Kotak Royale Signature Card – surcharge waiver + lifestyle rewards.
- Citi IndianOil Card – 4 turbo points per ₹150 fuel spend.
Pros and Cons
Pros
- Full 1% fuel surcharge waiver.
- High cashback/rewards at partner pumps.
- UPI-linked RuPay variants available.
- Annual fee often waived.
Cons
- Some cards tied to one fuel company.
- Cashback caps may apply (₹250–₹500/month).
- Not ideal for non-drivers.
Quick Checklist for Buyers
- Pick a card tied to your regular pump brand (BPCL, HPCL, IndianOil).
- Ensure 1% surcharge waiver applies across pumps.
- Prefer RuPay cards for UPI-linked convenience.
- Check monthly cashback cap before applying.
- Apply online with Aadhaar + PAN for fast approval.
Stop losing 1% on every litre—apply today:
Get Fuel Cards on Paisabazaar
Find Fuel Credit Card Offers on BankBazaar
In 2025, fuel surcharge waivers are a must-have benefit. Cards like SBI BPCL Octane, ICICI HPCL Super Saver, and Axis IndianOil RuPay ensure you save every time you refuel. Pick one that matches your preferred pump brand, and enjoy real savings with lifetime-free or waived fees.
