Best Fuel Credit Cards Review for 2025 – Top Options for Maximum Rewards

In 2025, choosing the best credit card for fuel payments can help maximize rewards and savings. This review compares top cards such as the Indian Oil RBL Bank XTRA, BPCL SBI Octane, Indian Oil Axis Bank, Indian Oil HDFC, IDFC FIRST Power+, and Indian Oil Axis Bank Premium credit cards. These cards offer attractive fuel rewards, fuel surcharge waivers, and other lifestyle benefits like dining discounts and complimentary lounge access. With varying fees, rewards structures, and spending caps, these cards cater to different spending patterns, making it easier for users to save on fuel and earn valuable rewards.

Indian Oil RBL Bank XTRA Credit Card

Fees:

• Joining Fee: ₹1,500
• Annual Fee: ₹1,500 (Waived on ₹2.75 lakh annual spends)

Rewards & Benefits:

• Fuel Rewards:
  • 15 Fuel Points per ₹100 spent on IOCL fuel (7.5% reward rate)
  • 1% fuel surcharge waiver, boosting the reward rate to 8.5%
  • Maximum reward: 2,000 Fuel Points per month.
  • Value: 1 Fuel Point = ₹0.50 (for IOCL redemption), allowing savings of up to ₹1,000/month.
• Other Categories: 2 Fuel Points per ₹100 spent.
• Welcome Bonus: 3,000 Fuel Points after a ₹500 spend within the first 30 days.
• Milestone Benefit: Earn 1,000 Fuel Points on ₹75,000 quarterly spends.

Other Benefits:

• 1% fuel surcharge waiver on ₹500-₹4,000 fuel spends, capped at ₹200/month.
• Fuel Points can be redeemed as XTRAREWARDS Points (1 FP = ₹0.30 via XRPs).
• Maximum fuel purchase from IOCL: ₹13,000 per year, based on the maximum reward cap.

BPCL SBI Octane Credit Card

Fees:

• Joining Fee: ₹1,499
• Annual Fee: ₹1,499 (Waived on ₹2 lakh annual spends)

Rewards & Benefits:

• Fuel Rewards:

  • 25 Reward Points per ₹100 spent on BPCL fuel/lubricants (6.25% reward rate)
  • Maximum reward: 2,500 Reward Points per month (₹10,000 fuel spend cap for max rewards).
  • Value: 1 Reward Point = ₹0.25 (statement credit).

• Other Categories:

  • 10 Reward Points per ₹100 on groceries, dining, movies (2.5% reward rate).
  • 1 Reward Point per ₹100 on other spends.

• Welcome Bonus: 6,000 Reward Points (₹1,500 value).

• Milestone Benefit: ₹2,000 e-voucher on ₹3 lakh annual spends.

Other Benefits:

• 1% fuel surcharge waiver on ₹500-₹4,000 fuel spends, capped at ₹100/month.
• 4 complimentary domestic VISA lounge visits per year.

Indian Oil Axis Bank Credit Card

Fees:

• Joining Fee: ₹500
• Annual Fee: ₹500 (Waived on ₹3.5 lakh annual spends)

Rewards & Benefits:

• Fuel Rewards:

  • 20 EDGE Points per ₹100 spent on IOCL fuel (4% reward rate).
  • Fuel Surcharge Waiver: ₹50/month on ₹400-₹4,000 spends.
  • Value: 1 EDGE Point = ₹0.20.

• Other Categories:

  • 1 EDGE Point per ₹100 spent on all other spends.

• Welcome Bonus: EDGE Points worth ₹250 after the first fuel transaction.

• Dining Benefit: 15% discount via EazyDiner.

Other Benefits:

• 10% off on BookMyShow (₹100/month cap).
• UPI payments enabled for RuPay variant.

Indian Oil HDFC Credit Card

Fees:

• Joining Fee: ₹500
• Annual Fee: ₹500 (Waived on ₹50,000 annual spends)

Rewards & Benefits:

• Fuel Rewards:

  • 5% back as Fuel Points on IOCL fuel (Max: 250 FP/month for the first 6 months, 150 FP/month thereafter).
  • Value: 1 FP = ₹0.96 (for IOCL redemption).

• Other Categories:

  • 5% back on groceries and bill payments (Max: 100 FP per category/month).

• Additional Benefits:

  • Complimentary XTRAREWARDS Membership.

Other Benefits:

• 1% fuel surcharge waiver (Max: ₹250/month).

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• SBI BPCL Credit Card Apply Link - Click Here
• Axis Credit Card Apply Link - Click Here
• HDFC Credit Cards Apply Link - Click Here
• IDFC Power Plus Credit Card Apply Link - Click Here
• Indian Oil RBL XTRA Credit Card Apply Link - Click Here

IDFC FIRST Power+ Credit Card

Fees:

• Joining Fee: ₹499
• Annual Fee: ₹499 (Waived on ₹1.5 lakh annual spends)

Rewards & Benefits:

• Fuel Rewards:

  • 5% savings via 30 Reward Points/₹150 on HPCL fuel (Max: ₹12,000/month fuel spend).
  • Additional 1.5% savings via HP Pay (Max: 600 Happy Coins/month).

• Other Categories:

  • 30 RP/₹150 on groceries, utilities, and FASTag (5% reward rate, capped).
  • 3 RP/₹150 on other purchases (uncapped).

Other Benefits:

• ₹500 cashback on 1st HPCL fuel transaction.
• Complimentary domestic lounge access (1/quarter on ₹20,000 monthly spends).
• Roadside Assistance (4x/year, worth ₹1,399).

Indian Oil Axis Bank Premium Credit Card

Overview: This card offers a total of 5% value-back on IOCL spends through 4% EDGE Miles and a 1% unlimited fuel surcharge waiver.

Fees:

• Joining Fee: ₹1,000
• Annual Fee: ₹1,000 (Waived on ₹1 lakh annual spends)

Rewards Program:

• Fuel Rewards:
  • 6 EDGE Miles per ₹150 spent on IOCL fuel outlets (up to ₹15,000 monthly fuel spends).
  • 2 EDGE Miles per ₹150 spent on groceries and supermarkets (up to ₹5,000 monthly spends).
  • 1 EDGE Mile per ₹150 spent on other spending categories.

Exclusions:

• No EDGE Miles for spends on utilities, rent, insurance, transportation, tolls, government institutions, and wallets.

Other Card Benefits:

• Fuel Surcharge Waiver: 1% unlimited waiver on IOCL fuel spends.
• Welcome Bonus: 500 EDGE Miles after the first card transaction within 30 days.
• Zomato Discount: 30% off, up to ₹150 per order twice a month, using code 'AXISIOCL'.
• Complimentary Lounge Access: Up to 8 domestic airport lounge visits per year (2 visits per quarter on ₹50,000 spends in the previous 3 months).
• Annual Fee Waiver: Waived on ₹1 lakh annual spends.
• Dining Benefit: 25% off, up to ₹800 per order twice a month via EazyDiner.

Here’s a detailed comparison table for the above-mentioned credit cards based on their key features:

This table allows for a quick comparison of the essential features, rewards, and benefits of each card, helping you choose the best option based on your fuel spending habits and additional preferences.

This detailed comparison can help you make an informed decision on the best credit card suited to your needs based on fuel spend and other lifestyle benefits!