Compare top cards for fuel spends – save on surcharge, earn rewards or cashback.
Fuel is one of the most frequent expenses for many Indians – whether you’re commuting daily or hitting the highways. The right credit card can help you save on every liter through cashback, surcharge waivers, or reward points.
We’ve handpicked the best fuel credit cards available in India in July 2025. Each comes with unique benefits depending on your usage, annual fee, and preferred fuel brand.
Which fuel card is right for you?
- 💼 Axis IOCL – Best if you refuel at Indian Oil pumps regularly.
- 💸 AU LIT – Best zero-fee option with fuel benefits.
- ✈️ Amex Plat Travel – Worth it if you want fuel + premium travel perks.
Which is the best credit card for fuel in India?
The best fuel credit card depends on where you refuel and how much you spend. If you frequently use Indian Oil, the Axis Bank IOCL Credit Card offers 4% value back and fuel surcharge waivers. For a zero-fee option, AU Bank LIT Credit Card allows you to customize benefits, including fuel rewards. Premium users can consider Amex Platinum Travel, which combines fuel perks with travel rewards.
Do credit cards waive the 1% fuel surcharge?
Yes, many fuel credit cards offer a 1% fuel surcharge waiver, but it’s usually capped monthly and limited to certain fuel stations (like IOCL, HPCL, BPCL). Always check the card’s terms to ensure the waiver applies to your preferred fuel brand and payment method (POS vs. app).
💳 Still not sure which fuel card to choose?