Published on: 2025-04-21T21-04-2025+05:30

Top 5 Credit Cards for Fuel Savings in 2025: Earn Extra Rewards & Waivers

With the rising cost of fuel, managing your monthly expenses can be challenging. However, fuel credit cards offer a smart solution to reduce these costs by providing fuel surcharge waivers and attractive rewards programs.

Whether you're filling up your tank or making everyday purchases, choosing the right fuel credit card can help you save money and earn valuable rewards.

In this article, we will highlight some of the best fuel credit cards available in 2025, including options that offer fuel surcharge waivers and other perks.

We'll also explore options like a lifetime free fuel credit card, which provides significant savings without any annual fees. If you're looking for the best credit card for fuel in India, we've got you covered with top picks that maximize both savings and rewards.

Let’s dive in and explore how these cards can help you save on fuel while earning additional 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

  1. Fuel Surcharge Waivers: These cards offer a complete waiver or reduction on the surcharge that is added to fuel purchases at various petrol stations.
  2. Reward Points: Earn valuable reward points on fuel transactions and other everyday spends like groceries, dining, and entertainment.
  3. Cashback Offers: Some fuel credit cards offer cashback on fuel transactions, helping you save more money.
  4. Other Perks: Some cards come with added perks such as roadside assistance, discounts on auto repair services, and more.

List of 5 Credit Cards for Fuel Savings in 2025 for Earn Extra Rewards & Waivers

1. IndianOil Kotak Credit Card

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:

  1. Fuel Surcharge Waiver: Look for cards offering the highest percentage of fuel surcharge waiver or cashback on fuel purchases.
  2. Reward Programs: Choose a card that gives you good rewards on both fuel and non-fuel categories (such as groceries, dining, etc.).
  3. Additional Perks: Consider cards that offer value-added services like free lounge access, concierge services, and discounts on auto services.
  4. 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.

Top 10 FAQs for Best Credit Cards for Fuel Savings in 2025

 

1. What are the best credit cards for fuel savings in 2025?

The best credit cards for fuel savings in 2025 offer fuel surcharge waivers, cashback on fuel purchases, and rewards points. Some of the top options include cards like the HDFC Fuel Credit Card, SBI Card Prime, and ICICI HPCL Credit Card.

2. How do fuel credit cards help save money?

Fuel credit cards help save money by offering cashback, reward points, and fuel surcharge waivers. They are specifically designed to provide benefits on fuel purchases, reducing overall fuel expenses.

3. Can I earn rewards on all my fuel purchases?

Yes, most fuel credit cards allow you to earn rewards on all fuel purchases, including petrol, diesel, and even CNG. However, some cards may have specific limits or exclusions, so it's important to review the terms.

4. Are there credit cards with lifetime-free fuel benefits?

Yes, several credit cards offer lifetime-free fuel benefits, such as the Axis Bank My Zone Credit Card. These cards typically come with no annual or renewal fees and provide rewards and discounts on fuel purchases.

5. What is the best credit card for fuel in India?

The best credit card for fuel in India depends on your spending habits. Popular options include the SBI Card Prime, ICICI HPCL Credit Card, and the HDFC Regalia Credit Card. Each offers unique benefits such as cashback, fuel surcharge waivers, and reward points.

6. How do fuel surcharge waivers work on credit cards?

Fuel surcharge waivers are a common benefit with fuel credit cards. This means that you can avoid paying extra charges (typically 1-2%) when refueling at petrol stations. Waivers may be subject to certain conditions, such as a minimum transaction amount.

7. Can I use fuel credit cards for other purchases?

Yes, many fuel credit cards offer general rewards on other purchases, such as groceries, dining, and online shopping. However, the rewards for fuel purchases are usually higher than those for other expenses.

8. Do fuel credit cards charge high annual fees?

Some fuel credit cards may charge higher annual fees, but they are typically offset by the savings on fuel and the rewards you earn. It’s important to weigh the cost of the annual fee against the benefits you’ll receive.

9. How can I maximize rewards with my fuel credit card?

To maximize rewards, use your fuel credit card for all fuel purchases, pay attention to bonus categories, and ensure you’re meeting any spending requirements. Additionally, some cards offer higher rewards for specific brands or during promotional periods.

10. Are there any special perks with fuel credit cards?

Yes, many fuel credit cards come with additional perks such as complimentary access to airport lounges, fuel-related discounts, insurance benefits, and exclusive offers on dining, shopping, and entertainment.