Get salary accounts for your team See benefits
Best RuPay Fuel Credit Card in India 2024 – November
Personal Loan vs Home Loan – Which One is Better?
September 27, 2024
Best Credit Card for Insurance Payment In India 2024
October 9, 2024
Are you tired of the hassle of carrying cash or juggling multiple cards for your daily fuel expenses? A fuel credit card can simplify your life and offer significant benefits.
In today’s fast-paced world, fuel expenses are a significant part of our daily lives. Whether you’re commuting to work, travelling, or simply running errands, having a reliable and efficient way to pay for fuel is essential. A fuel credit card can provide you with a convenient and rewarding solution.
In this blog post, we’ll explore the best RuPay fuel credit cards available in India for September 2024. We’ll delve into the benefits of using fuel credit cards, the factors to consider when choosing the right one, and the top contenders that offer the most value. Let’s get started.
Best Fuel RuPay Credit Card in India September 2024
1. The IDFC FIRST HPCL Power Credit Card
Joining Fees
₹199
Lifetime Free
No
Annual Fee Waiver Amount
₹50,000 or more in a year
Cashback on Fuel
Up to 5% cashback on fuel purchases
Fuel-Related Benefits
- Roadside Assistance: Complimentary roadside assistance worth ₹1,399
- Welcome Benefits: Welcome bonus of ₹250 on your first HPCL fuel transaction of ₹250 or more
Card Details & Other Benefits
Looking for a credit card that rewards your love for road trips? The IDFC FIRST HPCL Power Credit Card might be a good fit. This card lets you earn savings on fuel purchases at HPCL pumps, making it a tempting option for frequent drivers.
Other Benefits Offered:
- Rewards on Everyday Spends: 2.5% cashback on grocery and utility expenses
- Cashback on FASTag: 2.5% cashback on IDFC FIRST FASTag recharges
- Extra Reward Points: 2X rewards on other retail transactions
- Accident Cover: Personal accident cover of ₹2,00,000
- Lost Card Insurance: Lost card liability cover of ₹25,000
- EMI Payment Options: EMIfy your purchases and balances for convenient payment options
- Add-on Card: Add-on card facility for your pillion rider to boost your savings
- Refer-a-friend program to earn up to 10,000 rewards
2. IDFC FIRST HPCL Power+ Credit Card
Joining Fees
₹199
Lifetime Free
No
Annual Fee Waiver Amount
₹50,000 or more in a year
Cashback on Fuel
Earn cashback on your fuel purchases
Fuel-Related Benefits
- Welcome Offer: Enjoy a cashback of ₹500 on your first HPCL fuel transaction.
- Fuel Surcharge Waiver: Save on additional charges levied at HPCL pumps.
Card Details & Other Benefits
IDFC FIRST HPCL Power+ Credit Card is an upgraded version of the popular Power Credit Card. It offers a range of benefits specifically designed for frequent travellers and those who prioritise fuel savings. Key fuel-related perks include:
Other Benefits Offered:
- Discount Offer: Get discounts on Zoomcar, Eco Rent a Car, and EuropCar rentals.
- Complimentary Airport Lounge Access: Enjoy free access to domestic airport lounges.
- Movie Ticket Discounts: Get a 25% discount on movie tickets.
- Roadside Assistance: Receive complimentary roadside assistance.
- Insurance Coverage: Benefit from personal accident and lost card liability coverage.
- Additional Rewards: Earn Happy Coins on fuel purchases made through the HPPay app.
- Interest-free Cash Withdrawals: Enjoy up to 48 days of interest-free cash withdrawals.
- EMIfy Purchases: Convert your purchases and balances into EMIs for convenient payments.
- Everyday Rewards: Earn rewards on your everyday expenses.
3. HDFC Indian Oil Credit Card
Joining Fees
₹199 + Tax
Lifetime Free
No
Annual Fee Waiver Amount
₹50,000 or more in a year
Cashback on Fuel
5% Fuel Points on IndianOil Fuel Spends
Fuel-Related Benefits
- Up to 50 Liters of Free Fuel Annually: Earn Fuel Points on your daily spends and redeem them for free fuel at IndianOil outlets.
- 1% Fuel Surcharge Waiver: Enjoy a discount on fuel surcharges at IndianOil outlets.
Card Details & Other Benefits
The HDFC IndianOil Credit Card is a co-branded credit card made in collaboration with Indian Oil. It offers a unique rewards program where you can earn Fuel Points on your everyday spends. These points can then be redeemed for free fuel at IndianOil petrol pumps.
Other Benefits Offered:
- Earn Fuel Points on Groceries and Bill Payments: Get rewarded for your everyday expenses.
- Complimentary IndianOil XTRAREWARDSTM Program Membership: Access exclusive rewards and benefits.
- Zero Lost Card Liability: Protect yourself against unauthorised transactions in case your card is lost or stolen.
- Interest-free Credit Period: Enjoy a grace period before interest starts accruing on your purchases.
- Smart EMI: Convert large purchases into manageable EMIs.
- Contactless Payments: Make quick and secure payments with a simple tap.
4. IndianOil Axis Bank Credit Card
Joining Fees
₹500
Lifetime Free
No
Annual Fee Waiver Amount
Nil
Cashback on Fuel
Fuel Spends In India at any Fuel outlet between INR 400 to INR 4000 to avail the offer
Fuel-Related Benefits
- Welcome Bonus: Enjoy a 100% value back on your first fuel transaction, up to a maximum of Rs. 1,250.
- Accelerated Fuel Rewards: Earn 20 reward points for every Rs. 100 spent on fuel at IndianOil outlets, effectively offering a 4% value back on your fuel purchases.
- Fuel Surcharge Waiver: Avoid paying the additional fuel surcharge of 1% on your fuel transactions, up to a maximum waiver of Rs. 50 per statement cycle.
Card Details & Other Benefits
The IndianOil Axis Bank Credit Card offers a range of benefits tailored for fuel-savvy consumers. Key features include:
Other Benefits Offered:
- Online Shopping Rewards: Earn 5 reward points for every Rs. 100 spent on online shopping, providing a 1% value back.
- Annual Fee Waiver: Enjoy a waiver of the annual fee if you spend more than Rs. 3.5 lakhs in a card anniversary year.
- BookMyShow Discounts: Get instant discounts of up to 10% on movie tickets booked through the BookMyShow app or website.
- EDGE Rewards: Earn EDGE reward points on your purchases, which can be redeemed for various rewards and benefits.
- Dining Delights: Enjoy discounts of up to 15% at participating restaurants in India through EazyDiner.
5. IndianOil Kotak Credit Card
Joining Fees
₹499
Lifetime Free
No
Annual Fee Waiver Amount
₹50,000 or more in a year
Cashback on Fuel
Enjoy a 4% discount on IndianOil fuel spends
Fuel-Related Benefits
- Welcome Offer: Get 1000 reward points as a welcome bonus when you spend INR 500 within 30 days of card issuance.
Card Details & Other Benefits
The IndianOil Kotak Credit Card is a solid choice for those who frequently fill up at IndianOil petrol pumps. Its main features include:
Other Benefits Offered:
- Reward Points: Earn 24 reward points for every INR 150 spent on IndianOil fuel, 12 reward points for every INR 150 spent on groceries and dining, and 3 reward points for every INR 150 spent on other categories.
- Annual Fee Waiver: Enjoy a waiver on the annual fee of INR 449 if you spend INR 50,000 in the previous anniversary year.
- Personal Accident Insurance: Get a personal accident insurance cover of INR 2,00,000.
- Concierge Services: Access personalised assistance for various needs, including gift delivery, flower delivery, restaurant reservations, and more.
- Add-on Card: Get a free add-on card with the same benefits as the primary card.
6. ICICI HPCL Super Saver Credit Card
Joining Fees
₹500 + Tax
Lifetime Free
No
Annual Fee Waiver Amount
₹1,50,000 or more in a year
Cashback on Fuel
Enjoy cashback on your fuel purchases at HPCL petrol pumps
Fuel-Related Benefits
- Fuel Surcharge Waiver: Save on the fuel surcharge levied at HPCL pumps.
- Reward points on Fuel Spends: Earn reward points that can be redeemed for various benefits.
Card Details & Other Benefits
The ICICI HPCL Super Saver Credit Card is a great option for those looking to save on fuel, utility, and departmental store spends. With its fuel-centric features and other benefits, this card offers a rewarding experience for all users.
Other Benefits Offered:
- Cashback on Utility and Departmental Store Spends: Get cashback on your utility bills and purchases at departmental stores.
- Airport Lounge Access: Relax in airport lounges with complimentary access.
- Reward Points: Earn reward points on all your spends that can be redeemed for various rewards.
<li>Movie Ticket Discounts: Enjoy discounts on movie tickets at BookMyShow and INOX.
7. HPCL Coral Credit Card
Joining Fees
₹199 + Tax
Lifetime Free
No
Annual Fee Waiver Amount
₹50,000 or more in a year
Cashback on Fuel
Earn 2.5% cashback on fuel purchases at HPCL pumps (minimum transaction of Rs. 500)
Fuel-Related Benefits
- Save 1% on fuel surcharge on transactions at HPCL pumps (up to Rs. 4,000 per transaction).
Card Details & Other Benefits
The ICICI HPCL Coral Credit Card is a great option for people who are looking for a credit card with easy eligibility requirements and low annual fees. It offers you features such as:
Other Benefits Offered:
- Earn 2 reward points for every Rs. 100 spent on everyday purchases (excluding fuel).
- Get 25% discount (up to Rs. 100) on movie tickets booked via BookMyShow (twice a month).
- Fee reversal for subsequent years if you spend Rs. 50,000 or more annually.
8. HPCL ENERGIE RuPay BOBCARD
Joining Fees
₹499
Lifetime Free
No
Annual Fee Waiver Amount
₹50,000 or more in a year
Cashback on Fuel
Enjoy cashback on fuel purchases made at HPCL petrol pumps
Fuel-Related Benefits
- Fuel Surcharge Waiver: No fuel surcharge will be levied on transactions at HPCL pumps.
- Reward Points: Earn reward points on your fuel purchases, which can be redeemed for a variety of rewards.
Card Details & Other Benefits
HPCL ENERGIE RuPay BOBCARD is a fuel-centric credit card that offers a range of benefits for frequent travellers and those who frequently fill up their vehicles at HPCL petrol pumps. This card is designed to make your fuel purchases more rewarding and convenient.
Other Benefits Offered:
- Annual Fee: The card has a nominal annual fee.
- Online and Mobile Banking: Manage your card account conveniently through online and mobile banking.
- Customer Support: Benefit from excellent customer support services.
- Retail Purchases: Earn reward points on retail purchases as well.
| Credit Card | Joining Fees | Lifetime Free | Annual Fee Waiver Amount | Cashback Features |
| IDFC First Power RuPay Select Credit Card | Rs 199 | No | ₹50,000 or more in a year | Up to 5% cashback on fuel purchases |
| IDFC FIRST HPCL Power+ Credit Card | ₹199 | No | ₹50,000 or more in a year | Earn cashback on your fuel purchases |
| HDFC Indian Oil Credit Card | ₹199 + Tax | No | ₹50,000 or more in a year | 5% Fuel Points on IndianOil Fuel Spends |
| IndianOil Axis Bank Credit Card | ₹500 | No | Nil | Fuel Spends In India at any Fuel outlet between INR 400 to INR 4000 to avail the offer |
| IndianOil Kotak Credit Card | ₹499 | No | ₹50,000 or more in a year | Enjoy a 4% discount on IndianOil fuel spends |
| ICICI HPCL Super Saver Credit Card | ₹500 + Tax | No | ₹1,50,000 or more in a year | Enjoy cashback on your fuel purchases at HPCL petrol pumps |
| HPCL Coral Credit Card | ₹199 + Tax | No | ₹50,000 or more in a year | Earn 2.5% cashback on fuel purchases at HPCL pumps (minimum transaction of Rs. 500) |
| HPCL ENERGIE RuPay BOBCARD | ₹499 | No | ₹50,000 or more in a year | Enjoy cashback on fuel purchases made at HPCL petrol pumps |
Why You Should Use Fuel RuPay Credit Cards
RuPay fuel cards are specifically designed to provide advantages for fuel purchases. These cards offer benefits like free fuel or cashback on fuel transactions. Here are some of the top reasons why you should choose a RuPay Credit Card:
-
Easy Integration with UPI
RuPay Fuel Credit Cards can be seamlessly linked to popular UPI apps like Google Pay, PhonePe, and Cred. This integration allows for quick and convenient payments at fuel pumps.
-
Fuel Surcharge Waivers
Many RuPay fuel cards offer fuel surcharge waivers, eliminating the extra charges imposed by petrol pumps.
-
Cashback and Rewards
Using a RuPay fuel card can earn you cashback or rewards on your fuel purchases and other transactions. These rewards can be redeemed for various benefits.
-
Exclusive Offers and Discounts
RuPay fuel cards often come with exclusive offers and discounts on fuel, travel, and other categories. These benefits can help you save money on your daily expenses.
-
Supporting the Indian Economy
By choosing a RuPay Fuel Credit Card, you are supporting the Indian economy and contributing to the growth of domestic financial institutions.
Factors to Consider When Choosing a RuPay Fuel Credit Card
When choosing a RuPay Fuel Credit Card, here are some factors you should consider:
-
Annual Fees and Joining Fees
Before picking a card, check how much you’ll need to pay as an annual or joining fee. Some cards come with low fees, while others offer benefits that make higher fees worth it. Make sure the cost fits your budget and provides good value.
-
Interest Rates
It’s important to look at the interest rate on the card. This is the rate charged if you carry a balance or miss a payment. A lower interest rate can help you save money if you ever need to pay off your card over time.
-
Fuel Surcharge Waiver Percentage
One key feature of fuel credit cards is the fuel surcharge waiver. This percentage indicates how much you can save on fuel purchases, typically ranging from 1% to 2.5%. The higher the waiver, the more you’ll save on every refuel.
-
Cashback or Reward Points Offers
Consider whether the card offers cashback or reward points for fuel purchases or other transactions. Cards with good cashback or rewards can help you earn back a portion of what you spend, making them a great choice for frequent fuel buyers.
-
Additional Benefits and Privileges
Look into any extra perks the card offers, such as discounts, exclusive deals, or insurance coverage. These additional benefits can add value and enhance your overall experience with the card.
Frequently Asked Questions (FAQs)
How do I apply for a RuPay fuel credit card?
You can apply for a RuPay fuel credit card either online through your bank’s website or by visiting a local branch. The exact process might differ depending on the bank or the specific card you're applying for.
Are there any restrictions on the fuel stations where I can use my RuPay fuel credit card?
In most cases, there are no specific restrictions on which fuel stations you can use your RuPay fuel credit card. It generally works at all fuel stations, but it's a good idea to check your bank’s guidelines for any exceptions.
What are the benefits of a fuel credit card?
Fuel credit cards offer a range of benefits that lower your fuel expenses. With a combination of cashback, reward points, fuel surcharge waivers, and vouchers, they can reduce your total fuel costs and also offer discounts on non-fuel spending.
Is it good to use a credit card for fuel?
Yes, it is definitely a good idea to use a credit card for fuel. Banks offer fuel credit cards, which will bring down the total fuel costs and increase your savings. Additionally, these cards also give you reward points and vouchers, which come in handy during your shopping sprees.
Are fuel credit cards lifetime free?
Fuel cards do not offer lifetime free benefits. However, they waive the annual fee if you spend a minimum amount during a calendar year.
What is a fuel surcharge waiver on credit cards?
The fuel surcharge is the excess charges levied by credit card companies on the purchase of fuel. When a credit card allows a fuel surcharge waiver, it absorbs the additional costs of fuel purchases, which will reduce your overall fuel expenses.
Looking for a Specific Credit Card?
-
Best
Credit Cards -
Fuel
Credit Cards -
Premium
Credit Card -
Business
Credit Card -
Students
Credit Cards -
Online Shopping Credit Cards
-
Airport Lounge Credit Cards
-
Book Flights Credit Cards
-
International Travel Credit Card
-
Movie Tickets Credit Cards
-
Rewards
Credit Cards -
Lifetime Free Credit Card
-
Utility Bill Payment Credit Card
-
Insurance Payment Credit Card
Authors
Priyanka Rao
Priyanka Rao is a content strategist for Jupiter.Money, and specializes in writing on topics related to finance, banking, budgeting, salary & wages, and other financial matters. She has a passion for creating engaging content that resonates with audiences across various digital platforms. In her free time, Priyanka enjoys traveling and reading, which allows her to gain new perspectives and inspiration for her work. With a keen eye for detail and a creative mindset, Priyanka is committed to creating content that connects well with her readers, enhancing their digital experiences.
Lifetime Free
Issued by 