Published on:
2025-01-25T25-01-2025+05:30
With rising fuel prices, managing your monthly expenses can become increasingly difficult. Fuel credit cards offer a smart way to reduce some of these costs by providing fuel surcharge waivers and rewards programs.
Whether you’re filling up your tank or making everyday purchases, the right fuel credit card can help you save money and earn rewards.
In this article, we’ll explore some of the top fuel credit cards available Fuel Savings. that offer fuel surcharge waivers and their associated benefits.
What is a Fuel Credit Card?
A fuel credit card is designed to help users save money on fuel purchases, whether through cashback, rewards points, or a complete waiver on fuel surcharges. Fuel surcharges are additional fees that are often added to fuel transactions, but with the right credit card, these surcharges can be eliminated or minimized. Fuel credit cards typically offer rewards points, fuel-specific discounts, cashback, and value-back offers. These cards are a great choice for people who frequently refuel their vehicles.
Key Benefits of Fuel Credit Cards
- Fuel Surcharge Waivers: These cards offer a complete waiver or reduction on the surcharge that is added to fuel purchases at various petrol stations.
- Reward Points: Earn valuable reward points on fuel transactions and other everyday spends like groceries, dining, and entertainment.
- Cashback Offers: Some fuel credit cards offer cashback on fuel transactions, helping you save more money.
- Other Perks: Some cards come with added perks such as roadside assistance, discounts on auto repair services, and more.
5 Best Credit Cards Offering Fuel Surcharge Waiver Benefits in India
1. IndianOil Kotak Credit Card
The IndianOil Kotak Credit Card is one of the most popular choices among fuel enthusiasts. It offers up to 5% value-back on co-branded purchases, making it an attractive option for regular fuel buyers. Additionally, the card provides a fuel surcharge waiver for fuel transactions up to ₹4,000 at all IndianOil petrol stations.
On top of fuel savings, users can also enjoy reward points on all purchases, making it an ideal card for both fuel and everyday expenses.
- Fuel Surcharge Waiver: 1% on fuel purchases up to ₹4,000.
- Reward Points: 2 points for every ₹150 spent.
- Additional Benefits: 5% value-back on co-branded spends.
2. BPCL SBI Card
The BPCL SBI Card is another excellent option for those who frequently refuel at Bharat Petroleum (BPCL) stations. The card offers 4.25% value-back on fuel purchases, along with 5X reward points for shopping at department stores, restaurants, movies, and grocery stores. This combination of benefits helps you save on fuel costs while earning reward points for your regular purchases.
- Fuel Surcharge Waiver: Waiver on fuel surcharge on transactions up to ₹4,000 at BPCL stations.
- Reward Points: 5X points on retail spends like grocery, dining, and entertainment.
- Additional Benefits: Free access to airport lounges and concierge services.
3. HPCL SBI Card
The HPCL SBI Card offers a 1% fuel surcharge waiver on transactions up to ₹4,000 at HPCL fuel stations. This card is ideal for those who prefer refueling at HPCL outlets. Additionally, cardholders can enjoy rewards on non-fuel spends, making it an all-around great option for savings across various categories.
- Fuel Surcharge Waiver: 1% on fuel purchases at HPCL stations.
- Reward Points: Earn up to 4 reward points for every ₹100 spent.
- Additional Benefits: 1% fuel surcharge waiver across all HPCL petrol pumps.
4. ICICI HPCL Super Saver Credit Card
The ICICI HPCL Super Saver Credit Card stands out with its generous reward system. You earn 5% cashback in fuel points on fuel purchases at HPCL outlets. Additionally, cardholders get 5% in fuel points on bill payments and grocery purchases. With a minimal fuel surcharge, this card helps you maximize savings with every refuel.
- Fuel Surcharge Waiver: No fuel surcharge for transactions up to ₹4,000.
- Reward Points: 5% cashback in fuel points for fuel, bill payments, and groceries.
- Additional Benefits: 1 fuel point per ₹150 spent on all other purchases.
5. HDFC Bank Bharat Gas Credit Card
The HDFC Bank Bharat Gas Credit Card is a great choice for customers who regularly fill up at Bharat Gas stations. This card offers 5% value-back on fuel transactions, ensuring substantial savings on every refuel. Additionally, the card provides cashback rewards on a variety of other spends, including groceries, dining, and bill payments.
- Fuel Surcharge Waiver: Waiver on fuel surcharge at Bharat Gas stations.
- Reward Points: 1 reward point for every ₹150 spent.
- Additional Benefits: 5% value-back on fuel purchases and exclusive offers on dining and shopping.
How to Choose the Best Fuel Credit Card
When selecting the best fuel credit card, consider the following factors:
- Fuel Surcharge Waiver: Look for cards offering the highest percentage of fuel surcharge waiver or cashback on fuel purchases.
- Reward Programs: Choose a card that gives you good rewards on both fuel and non-fuel categories (such as groceries, dining, etc.).
- Additional Perks: Consider cards that offer value-added services like free lounge access, concierge services, and discounts on auto services.
- Annual Fee: While many fuel cards offer excellent benefits, be sure to check the annual fee and ensure the savings outweigh the cost.
Fuel surcharge waiver credit cards are a great way to save money on your regular refueling expenses. Cards like the IndianOil Kotak Credit Card, BPCL SBI Card, and HPCL SBI Card provide excellent fuel surcharge waivers and rewards, making them perfect choices for frequent fuel buyers.
These cards not only help you avoid fuel surcharges but also reward you with valuable points and cashback on everyday purchases.
Before applying for any credit card, make sure to carefully review the terms and conditions, as some cards have specific limits on surcharge waivers or other restrictions. With the right card, you can enjoy a hassle-free refueling experience while saving money on every fill-up.