Commuter Savings

Fuel Credit Cards

Cut down your monthly commute costs. Get 1% fuel surcharge waivers and earn up to 7.25% value back in reward points when filling petrol or diesel at partner fuel outlets.

1% Surcharge Waiver

Avoid the standard payment processing surcharge levied at fuel stations. Save on every tank filling.

Co-Branded Points

Partner cards with BPCL, HPCL, and Indian Oil offer high reward multipliers on fuel purchases.

Direct Point Redemption

Redeem your accumulated fuel points directly at billing terminals of partner pumps for free petrol/diesel.

Waiver Active

Understanding Surcharge Waivers

When paying for fuel via standard credit cards, merchants levy a 1% processing fee (known as fuel surcharge). Fuel cards waive this fee for transactions ranging from ₹500 to ₹4,000, protecting you from extra expenses.

✔ Waiver active at all domestic stations
✔ Accelerated rewards on select pumps
✔ Value-back rate up to 7.25% p.a.

Fuel Economics

Maximize Commuter Savings

For individuals commuting by cars or two-wheelers, co-branded fuel cards offer excellent monthly value-back structures. Here is how they operate:

Select Your Brand: Choose a fuel card co-branded with the network you use most frequently (e.g. BPCL SBI Card, HPCL ICICI Card, or Indian Oil HDFC Card).
Accumulate Fuel Points: Spend at authorized brand pumps to earn accelerated points. Some cards offer up to 25x points on fuel transactions.
Redeem at the Pump: Accumulated points can be converted directly into fuel volume by scanning and verifying details at the partner pump's billing terminal.

FAQs

Fuel Credit Cards FAQs

Find immediate answers regarding fuel credit card waivers and points.

What is a fuel surcharge waiver?

When you buy fuel using a standard credit card, banks charge a 1% transaction surcharge fee. A fuel credit card waives this fee (usually capped at a maximum waiver amount per month, e.g. ₹100 or ₹250) for purchases within a certain ticket size.

Which fuel credit card is best in India?

Popular options include the **BPCL SBI Card Octane** (offering up to 7.25% value-back at BPCL pumps) and the **Indian Oil HDFC Credit Card** (yielding up to 5% value-back in fuel points). Choose a card matching the fuel station network closest to your home or office.

How do I redeem my fuel reward points?

You can redeem fuel points directly at authorized partner fuel stations. Present your credit card during billing and request the operator to adjust the fuel cost against your accumulated reward point balance. Alternatively, points can be converted to statement credits or vouchers via the bank's portal.