Rising fuel prices are a common concern for every vehicle owner in India. Whether you drive a hatchback, SUV, or a superbike, a big chunk of your monthly budget goes into petrol and diesel expenses. The good news is – with the right petrol credit card, you can save a lot through cashback, reward points, fuel surcharge waivers, and partner discounts.
In 2025, almost every bank and credit card company offers specialized fuel credit cards. But the big question is: Which petrol credit card actually gives the highest cashback in India?
This detailed guide will compare the Top Petrol Credit Cards in India (2025) so that you can pick the best card based on your driving habits, spending patterns, and savings goals.
✅ Why Choose a Petrol Credit Card?
Before we dive into the comparison, let’s understand why these cards matter.
- Cashback on Fuel Purchases – Direct savings every time you swipe your card at a fuel pump.
- Fuel Surcharge Waiver – Most petrol pumps charge an additional 1–2% surcharge. Credit cards waive it off.
- Reward Points – Earn points that can be redeemed for free fuel.
- Co-branded Benefits – Cards tied up with IndianOil, HPCL, or BPCL give extra discounts at their fuel stations.
- Extra Perks – Dining, shopping, travel discounts on top of fuel benefits.
🚗 Top 7 Petrol Credit Cards in India – 2025
Here’s a breakdown of the best fuel cards and what makes them stand out.
1. SBI BPCL Octane Credit Card
- Annual Fee: ₹1,499
- Cashback & Rewards:
- 7.25% value back on fuel purchases at BPCL outlets (13x reward points).
- 1% fuel surcharge waiver (up to ₹10,000 monthly spend).
- Extra Benefits: Dining and grocery rewards.
- Best For: People who mostly refill at BPCL petrol pumps.
💡 Savings: If you spend ₹8,000 per month on fuel, you can save ₹6,900+ annually.
2. ICICI HPCL Super Saver Credit Card
- Annual Fee: ₹500
- Cashback & Rewards:
- 4% cashback on HPCL fuel spends.
- 1.5% additional cashback on HP Pay app transactions.
- Extra Benefits: 2% cashback on utility bills & groceries.
- Best For: Budget-friendly card with wide HPCL coverage.
💡 Savings: Save up to ₹5,000 annually on fuel spends.
3. HDFC Bharat Cashback Credit Card
- Annual Fee: ₹500
- Cashback & Rewards:
- 5% cashback on fuel, railway bookings, groceries, and bill payments.
- Works on any petrol pump in India.
- Extra Benefits: Flat 5% on BharatQR payments.
- Best For: People who want one card for fuel + utilities.
💡 Savings: Great for those who don’t stick to one fuel company.
4. Axis Bank IndianOil Credit Card
- Annual Fee: ₹500
- Cashback & Rewards:
- 5% cashback on IndianOil fuel purchases.
- Reward points can be redeemed for free fuel.
- Extra Benefits: Discounts on shopping & dining.
- Best For: Customers loyal to IndianOil petrol pumps.
💡 Savings: Annual benefit of ₹3,500+ if you spend ₹6,000/month on fuel.
5. Standard Chartered Super Value Titanium Card
- Annual Fee: ₹750
- Cashback & Rewards:
- 5% cashback on fuel across all petrol pumps.
- 5% cashback on utilities & phone bills.
- Extra Benefits: Worldwide acceptance, EMI offers.
- Best For: Urban families with high monthly fuel + utility spends.
💡 Savings: If you spend ₹10,000/month (fuel + bills), you save ₹6,000 annually.
6. Citibank IndianOil Platinum Card
- Annual Fee: ₹1,000
- Cashback & Rewards:
- Earn Turbo Points at IndianOil outlets (1 Turbo Point = ₹1 free fuel).
- 2 Turbo Points on groceries & supermarkets.
- Extra Benefits: Works seamlessly with IndianOil Pay app.
- Best For: Regular IndianOil customers.
💡 Savings: If you spend ₹8,000/month on fuel, you save ₹5,000+ annually.
7. Kotak PVR Gold Credit Card (bonus option)
- Annual Fee: ₹499
- Cashback & Rewards:
- Not direct cashback on fuel, but fuel surcharge waiver.
- Movie vouchers + shopping discounts.
- Best For: Lifestyle + occasional fuel savings.
🏆 So, Which Card Gives the Highest Cashback in 2025?
👉 Based on cashback percentage + real savings, here’s the ranking:
- SBI BPCL Octane Credit Card – Highest overall cashback (7.25% at BPCL).
- HDFC Bharat Cashback Card – Best for any fuel station (5% cashback).
- Standard Chartered Super Value Titanium – Great for combined fuel + utilities (5% cashback).
- ICICI HPCL Super Saver Card – Best for HPCL customers (4% + 1.5%).
- Axis Bank IndianOil Card – Solid choice for IndianOil users (5%).
🔑 Factors to Consider Before Choosing a Petrol Credit Card
- Your Preferred Fuel Pump: If you always refill at BPCL/HPCL/IndianOil, go for co-branded cards.
- Annual Fee vs. Savings: A card with ₹1,500 fee may still be worth it if you save ₹6,000 annually.
- Extra Benefits: Some cards give shopping, dining, and travel perks apart from fuel.
- Redemption Process: Choose cards with easy cashback instead of complicated reward conversions.
📝 Example: Monthly Savings Calculation
Suppose you spend ₹10,000/month on fuel at BPCL:
- With SBI BPCL Octane Card, you save:
- ₹725 (7.25% cashback) x 12 months = ₹8,700 yearly savings.
Compare that to a normal card with just 1% fuel surcharge waiver (₹1,200 yearly) – the difference is huge!
⚡ Final Words
In 2025, the SBI BPCL Octane Credit Card emerges as the best petrol credit card in India for maximum cashback – provided you use BPCL pumps regularly.
If you want flexibility across all fuel stations, the HDFC Bharat Cashback or Standard Chartered Titanium are excellent choices.
No matter which one you pick, a petrol credit card is a smart move – it not only reduces your fuel expenses but also adds value through rewards, waivers, and extra lifestyle benefits.
So, the next time you’re at a petrol pump, make sure every liter also brings you extra cashback!
