The best credit card for fuel is the one that matches the petrol pump you use most often. For Indian commuters, bike riders, car owners, frequent travellers, and families with regular fuel spends, the right card can reduce petrol or diesel costs through cashback, Reward Points, fuel points, or surcharge waivers.
There is no single best fuel card for everyone. Most fuel cards are linked to one fuel brand, such as IndianOil, BPCL, HPCL, or Jio-bp. The highest value usually comes when you use the card at the right partner outlet and stay within the card’s monthly limits.
This guide compares popular fuel credit cards in India and also explains where the UPI credit card by Kiwi fits in your overall credit card setup for everyday UPI merchant payments.
Best Fuel Credit Cards in India: Quick Comparison
| Credit card | Best for | Fuel or payment use case | Approx. value | Annual fee | Good fit |
| IndianOil RBL Bank XTRA Credit Card | High IndianOil spends | IndianOil fuel | Up to 8.5% value-back | ₹1,500 + taxes | IndianOil loyalists with higher fuel spends |
| BPCL SBI Card Octane | BPCL fuel plus everyday categories | BPCL fuel, groceries, dining, movies | Up to 7.25% value-back | ₹1,499 + taxes | BPCL users who can use premium benefits |
| HPCL IDFC FIRST Power+ Credit Card | HPCL plus household spends | HPCL fuel, groceries, utilities, FASTag | Up to 6.5% savings | Check current issuer terms | HPCL users who want wider category value |
| ICICI Bank HPCL Super Saver Credit Card | HPCL cashback | HPCL fuel, HP Pay, groceries, utilities | Up to 5% fuel savings | ₹500 + taxes | HPCL users who prefer cashback-led savings |
| IndianOil HDFC Bank Credit Card | IndianOil with bills and groceries | IndianOil fuel, groceries, bill payments | 5% Fuel Points on eligible spends | ₹500 + taxes | Moderate IndianOil users |
| IndianOil Axis Bank Credit Card | Simple IndianOil rewards | IndianOil fuel, online shopping | 4% value-back plus waiver | ₹500 + taxes | IndianOil users who want a mid-fee card |
| IndianOil Kotak Credit Card | Lower-fee IndianOil option | IndianOil fuel, groceries, dining | 4% Reward Points plus waiver | ₹449 | IndianOil users who want lower fees |
| IndusInd Bank Jio-bp Mobility+ Credit Card | Jio-bp users | Jio-bp fuel and Smiles ecosystem | Check current issuer terms | Check current issuer terms | Users near Jio-bp outlets |
| BPCL SBI Card | Lower-fee BPCL option | BPCL fuel | Up to 4.25% value-back | ₹499 + taxes | Moderate BPCL users |
| ICICI Bank HPCL Coral Credit Card | Entry-level HPCL option | HPCL fuel | Up to 3.5% savings | ₹199 + taxes | Beginners with moderate HPCL spends |
Fuel-card fees, reward rates, caps, and eligibility can change. Check the latest issuer terms before applying.
1. UPI Credit Card by Kiwi App
The UPI credit card by Kiwi is not a dedicated fuel credit card. It is better seen as an everyday RuPay credit card on UPI for eligible merchant payments. That makes it useful alongside a fuel card, not as a direct replacement for one.
The card issued through the Kiwi app is a partner-bank RuPay credit card, such as PNB Kiwi Credit Card, Yes Bank Klick RuPay card, or AU Bank Kosmo card, depending on credit score and partner-bank requirements.
Use the UPI credit card by Kiwi to scan and pay for transactions at eligible merchant QR codes, such as grocery stores, food outlets, pharmacies, local shops, utility bill counters, and other everyday merchant spends. Kiwi guidance supports a lifetime free card and minimum 1.5% cashback on QR payments, subject to eligibility and applicable terms.
Best for: Users who want UPI on credit for everyday merchant payments.
2. IndianOil RBL Bank XTRA Credit Card
IndianOil RBL Bank XTRA Credit Card is a high-value option for people who regularly refuel at IndianOil outlets. It is built mainly around fuel savings, so it suits users whose card choice is driven by petrol or diesel spends.
Key benefits include Fuel Points on IndianOil spends, a 1% fuel surcharge waiver on eligible transactions, and welcome or milestone Fuel Points when spend conditions are met. The value can be attractive for users with high monthly IndianOil spends.
Best for: IndianOil loyalists with regular fuel expenses.
3. BPCL SBI Card Octane
BPCL SBI Card Octane is useful for people who mostly refuel at BPCL and also spend on groceries, dining, movies, and departmental stores. It has a higher annual fee, but the wider reward structure can work well for regular BPCL users.
Key benefits include accelerated Reward Points on eligible BPCL fuel, lubricants, and Bharat Gas spends, a 1% fuel surcharge waiver, and rewards on selected everyday categories.
Best for: BPCL users with steady monthly fuel spends and enough everyday spends to use the wider benefits.
4. HPCL IDFC FIRST Power+ Credit Card
HPCL IDFC FIRST Power+ Credit Card is a practical option for HPCL users who also want benefits on household categories. It may offer value on HPCL fuel, groceries, utilities, FASTag, travel bookings, and selected UPI-led retail transactions.
This card is useful because it is not limited only to the fuel pump. If you use HPCL regularly and want a card that can support common monthly spends, it is worth comparing.
Best for: HPCL users who want fuel value plus household-spend utility.
5. ICICI Bank HPCL Super Saver Credit Card
ICICI Bank HPCL Super Saver Credit Card is designed for HPCL users who prefer cashback-style savings. It can offer fuel savings at HPCL and value on groceries, utilities, and departmental stores.
The annual fee is moderate, so it can suit users who want HPCL value without choosing a premium-fee card.
Best for: HPCL users who want simple cashback-led savings.
6. IndianOil HDFC Bank Credit Card
IndianOil HDFC Bank Credit Card is a mid-fee option for users who refuel at IndianOil and also spend on groceries and bill payments. It gives Fuel Points on eligible IndianOil spends and selected household categories.
This can be useful for users whose fuel spends are moderate but consistent. Grocery and bill-payment rewards can help improve the card’s overall value.
Best for: IndianOil users who want a balanced fuel, grocery, and bill-payment card.
7. IndianOil Axis Bank Credit Card
IndianOil Axis Bank Credit Card is a straightforward option for IndianOil fuel rewards. It offers value-back on eligible IndianOil transactions, fuel surcharge waiver, and some value on eligible online shopping.
Best for: IndianOil users who want a simple mid-fee fuel card.
8. IndianOil Kotak Credit Card
IndianOil Kotak Credit Card is a lower-fee IndianOil-focused card. It offers Reward Points on eligible IndianOil fuel spends and selected value on grocery and dining spends.
Best for: IndianOil users who want fuel value without a premium annual fee.
9. IndusInd Bank Jio-bp Mobility+ Credit Card
IndusInd Bank Jio-bp Mobility+ Credit Card is relevant for users who regularly refuel at Jio-bp outlets. It rewards eligible Jio-bp transactions through the Smiles ecosystem and may also offer value on selected lifestyle categories.
Best for: Users who have convenient access to Jio-bp outlets.
10. BPCL SBI Card
BPCL SBI Card is a lower-fee alternative to BPCL SBI Card Octane. It can work for moderate BPCL users who want fuel value but do not need Octane’s premium fee and benefit structure.
Best for: BPCL users with moderate monthly fuel spends.
11. ICICI Bank HPCL Coral Credit Card
ICICI Bank HPCL Coral Credit Card is an entry-level HPCL option with a low annual fee. It can suit beginners or users with moderate HPCL fuel spends.
Best for: First-time fuel-card users who prefer HPCL.
How Fuel Credit Cards Save Money
Fuel cards usually save money in three ways:
- Fuel rewards or cashback: You earn cashback, Reward Points, Fuel Points, or brand loyalty points on eligible fuel transactions.
- Fuel surcharge waiver: Many cards waive 1% surcharge on eligible fuel spends, usually within transaction and monthly limits.
- Partner fuel benefits: Co-branded cards give their best value at partner fuel outlets, such as IndianOil, BPCL, HPCL, or Jio-bp.
The headline percentage is not enough. Check the monthly cap, transaction range, redemption value, redemption fee, and eligible outlet rules.
How to Choose the Best Credit Card for Fuel
Start with your regular fuel station. If you use IndianOil most often, compare IndianOil cards first. If you use BPCL, shortlist BPCL cards. If HPCL is more convenient, compare HPCL cards. If Jio-bp is on your usual route, check it.
Then calculate your monthly fuel spend. A premium fuel card can be useful if you spend enough to recover the annual fee. For lower monthly fuel spends, a low-fee card may be better.
Finally, look at non-fuel value. If a fuel card also rewards groceries, utilities, FASTag, dining, or bill payments, it may be easier to use throughout the year.
Best Card by Use Case
| User type | Cards to compare | Quick note |
| IndianOil users | IndianOil RBL Bank XTRA, IndianOil HDFC Bank Credit Card, IndianOil Axis Bank Credit Card, and IndianOil Kotak Credit Card | Best suited if IndianOil is your regular fuel station. |
| BPCL users | BPCL SBI Card Octane and BPCL SBI Card | Octane suits premium users; BPCL SBI Card works for moderate spends. |
| HPCL users | HPCL IDFC FIRST Power+, ICICI Bank HPCL Super Saver, and ICICI Bank HPCL Coral | Good options if you regularly refuel at HPCL. |
| Jio-bp users | IndusInd Bank Jio-bp Mobility+ Credit Card | Relevant if Jio-bp outlets are convenient for you. |
For everyday UPI merchant payments: Use the UPI Credit Card by Kiwi for eligible merchant QR spends, including groceries, food, pharmacy spends, utility bills, and local store payments.
For a two-card setup: Use a fuel credit card at the pump where it gives the best value, and use the Kiwi card for everyday UPI merchant payments.
Can You Use a Credit Card for Fuel Through UPI?
RuPay credit cards can be linked to UPI apps for eligible merchant payments. However, fuel rewards on co-branded fuel cards may follow separate rules. Some issuers may require specific partner apps, authorised outlets, merchant IDs, or POS transactions for fuel rewards.
If fuel rewards are your priority, check the issuer’s latest terms for the exact payment mode. Do not assume every UPI payment at a fuel station earns the same value as a card swipe or partner-app transaction.
Final Recommendation
The best credit card for fuel depends on your preferred fuel brand, monthly fuel spend, and ability to track caps. IndianOil users should compare IndianOil RBL Bank XTRA, IndianOil HDFC, IndianOil Axis, and IndianOil Kotak. BPCL users should compare BPCL SBI Card Octane and BPCL SBI Card. HPCL users should compare HPCL IDFC FIRST Power+, ICICI HPCL Super Saver, and ICICI HPCL Coral. Jio-bp users should consider IndusInd Bank Jio-bp Mobility+.
The UPI credit card via Kiwi app belongs in the same wallet for a different reason. Keep your fuel card focused on petrol or diesel spends, and use Kiwi for eligible UPI merchant payments where RuPay credit card on UPI is accepted.
Download the Kiwi app, complete your application in minutes, and get quick access to your digital card upon approval. The card issued depends on your credit score and partner bank requirements.
Frequently Asked Questions
Which is the best credit card for fuel in India?
There is no single best card for every user. IndianOil RBL Bank XTRA can suit IndianOil loyalists, BPCL SBI Card Octane can suit BPCL users, and HPCL IDFC FIRST Power+ or ICICI HPCL Super Saver can suit HPCL users.
Are fuel credit cards worth it?
Fuel credit cards can be worth it if you refuel regularly at the partner fuel brand and your annual savings exceed the card fee.
Can the UPI credit card via Kiwi app replace a fuel credit card?
The UPI credit card via Kiwi should not be treated as a dedicated fuel credit card. It is better for eligible merchant UPI payments, while a fuel credit card is better for petrol or diesel spends at partner outlets.
What is a fuel surcharge waiver?
A fuel surcharge waiver reverses or waives the surcharge charged on eligible credit card fuel transactions, usually up to a monthly cap.
What should I check before applying for a fuel credit card?
Check the fuel partner, annual fee, fee waiver condition, monthly reward cap, surcharge waiver cap, transaction range, redemption value, and eligible outlet rules.
Disclaimer: Credit card features, rewards, caps, and fees are subject to change by respective issuers. The UPI credit card via Kiwi is a partner-bank RuPay card for everyday merchant payments (P2M) and does not guarantee external fuel card rewards or partner pump benefits. Users should verify current terms, accepted payment modes, and authorized merchant rules with their specific issuer before transacting. Kiwi is operated by Gokiwi Tech Private Limited.
