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Fuel Surcharge Waiver Cards • Audits & Comparisons

Compare verified credit cards across 33+ Indian banks with real math. Every annual fee waiver, quarterly lounge rule, forex markup, and reward redemption fee unmasked from official Schedule of Charges.

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Active: Category: Fuel

Showing 1-9 of 9 verified cards

ICICI Bank Visa, Rupay Classic
MITC Verified Nov 2026
ICICI Bank
FUEL

ICICI HPCL Super Saver

•••• •••• •••• 3668

VISA
CardSahayak Score Verified
82 /100
4.1
Min CIBIL 700+ Min ₹20,000/mo

ICICI HPCL Super Saver

ICICI Bank • Fuel Tier

Our Take: High-savings fuel card offering up to 5% savings at HPCL pumps, 5% on utilities & departmental stores, 1 domestic lounge/quarter on ₹75K spend, BookMyShow 25% off, and 24x7 roadside assistance.
Annual Fee
₹500
Waived @ ₹1.5 Lakh spend/yr
Joining Fee
₹500
₹500 Welcome Bonus
Rewards Rate
5%
Flat Cashback • Accelerated
Airport Lounges
4 Domestic / yr
1 complimentary domestic airpo...
✓ Up to 5% savings on fuel at HPCL stations (4% cashback capped at ₹200/month + 1% fuel surcharge waiver on ICICI POS)
✓ Additional 1.5% value-back as reward points when paying via the HP Pay app
− Fuel cashback strictly capped at ₹200 per billing month (spends up to ₹5,000/month at HPCL)
Estimated Net Value
+₹19,000/yr
Net value benchmarked on ₹3L spend
Apply via Bank View Full Review
Direct Official Portal • Zero Spam
Rates, Fees & MITC Fine Print
Forex Markup
3.50% + GST
Lounge Access
4 Domestic / yr
1 complimentary domestic airpo...
Redemption Fee
₹99
Per redemption request
Exclusions
Rent, Fuel, Wallets
Zero rewards earned
Fuel Surcharge: 1% waiver (₹400 - ₹4,000)
Interest Charges: 3.50% - 3.75% p.m.
Interest-Free Period: 20 to 50 days
SBI Card Visa Octane
MITC Verified Nov 2026
SBI Card
FUEL

SBI BPCL Octane

•••• •••• •••• 1549

VISA
CardSahayak Score Verified
82 /100
4.1
Min CIBIL 700+ Min ₹30,000/mo

SBI BPCL Octane

SBI Card • Fuel Tier

Our Take: 7.25% value back on BPCL fuel (25X points), 6,000 bonus points welcome gift, 4 domestic lounge visits, 10X points on dining/grocery/movies.
Annual Fee
₹1,499
Waived @ ₹2 Lakh spend/yr
Joining Fee
₹1,499
₹6,000 Welcome Bonus
Rewards Rate
7.3%
Base Rate
Airport Lounges
4 Domestic / yr
4 complimentary domestic airpo...
✓ 7.25% total value back (25X points = 6.25% + 1% surcharge waiver) on BPCL fuel purchases up to ₹4,000
✓ 6,000 bonus reward points (worth ₹1,500) as welcome gift on payment of annual fee
− Maximum 2,500 reward points per billing cycle on BPCL fuel spends
Estimated Net Value
+₹25,750/yr
Net value benchmarked on ₹3L spend
Apply via Bank View Full Review
Direct Official Portal • Zero Spam
Rates, Fees & MITC Fine Print
Forex Markup
3.50% + GST
Lounge Access
4 Domestic / yr
4 complimentary domestic airpo...
Redemption Fee
₹99
Per redemption request
Exclusions
Fuel, Rent, Utilities
Zero rewards earned
Fuel Surcharge: 1% waiver (₹400 - ₹4,000)
Interest Charges: 3.75% - 3.75% p.m.
Interest-Free Period: 20 to 50 days
Axis Bank Rupay Indianoil Axis Bank Premium Credit Card
MITC Verified Nov 2026
Axis Bank
FUEL

Axis Bank IndianOil

•••• •••• •••• 9260

RuPay
CardSahayak Score Verified
80 /100
4.0
Min CIBIL 680+ Min ₹12,000/mo

Axis Bank IndianOil

Axis Bank • Fuel Tier

Our Take: Co-branded fuel card with savings at IndianOil
Annual Fee
₹500
Waived @ ₹3.5 Lakh spend/yr
Joining Fee
₹500
₹250 Welcome Bonus
Rewards Rate
4%
Flat Cashback • Accelerated
Airport Lounges
0 Visits (No Access)
Free (No spend rule)
✓ 4% valueback (20 EDGE REWARDS per ₹100) on fuel spends at IndianOil outlets
✓ 1% fuel surcharge waiver on IOCL transactions between ₹400 and ₹4,000
− Accelerated fuel reward capped at ₹4,000 spend (800 EDGE points) per month
Estimated Net Value
+₹11,500/yr
Net value benchmarked on ₹3L spend
Apply via Bank View Full Review
Direct Official Portal • Zero Spam
Rates, Fees & MITC Fine Print
Forex Markup
3.50% + GST
Lounge Access
0 Visits (No Access)
Free (No spend rule)
Redemption Fee
₹0 Fee
Per redemption request
Exclusions
Rent, Fuel, Wallets
Zero rewards earned
Fuel Surcharge: 1% waiver (₹400 - ₹4,000)
Interest Charges: 3.60% - 3.75% p.m.
Interest-Free Period: Up to 50 days
HDFC Bank Rupay, Visa Classic
MITC Verified Nov 2026
HDFC Bank
FUEL

HDFC Indian Oil

•••• •••• •••• 2220

RuPay
CardSahayak Score Verified
80 /100
4.0
Min CIBIL 680+ Min ₹12,000/mo

HDFC Indian Oil

HDFC Bank • Fuel Tier

Our Take: 5% value back on fuel at Indian Oil outlets
Annual Fee
₹500
Waived @ ₹50,000 spend/yr
Joining Fee
₹500
No welcome bonus offered
Rewards Rate
5%
Flat Cashback
Airport Lounges
0 Visits (No Access)
Free (No spend rule)
✓ 5% of spends as Fuel Points at IndianOil fuel stations (up to 250 FP/month in initial 6 months)
✓ 5% Fuel Points on grocery and bill payments (up to 100 FP/month)
− Monthly capping on fuel rewards (150 Fuel Points after first 6 months)
Estimated Net Value
+₹15,000/yr
Net value benchmarked on ₹3L spend
Apply via Bank View Full Review
Direct Official Portal • Zero Spam
Rates, Fees & MITC Fine Print
Forex Markup
3.50% + GST
Lounge Access
0 Visits (No Access)
Free (No spend rule)
Redemption Fee
₹99
Per redemption request
Exclusions
Rent, Fuel, Wallets
Zero rewards earned
Fuel Surcharge: 1% waiver (₹400 - ₹4,000)
Interest Charges: 3.75% - 3.75% p.m.
Interest-Free Period: 20 to 50 days
IDFC FIRST Bank Rupay Power_plus
MITC Verified Nov 2026
IDFC FIRST Bank
FUEL

IDFC FIRST Power+ Credit Card

•••• •••• •••• 1533

RuPay
CardSahayak Score Verified
80 /100
4.0
Min CIBIL 710+ Min ₹25,000/mo

IDFC FIRST Power+ Credit Card

IDFC FIRST Bank • Fuel Tier

Our Take: Co-branded HPCL fuel card with up to 6.5% fuel savings, 5% on groceries and utilities, and domestic airport lounge access on ₹20k spend.
Annual Fee
₹499
Waived @ ₹50,000 spend/yr
Joining Fee
₹499
₹500 Welcome Bonus
Rewards Rate
1.0%
Base Rate
Airport Lounges
4 Domestic / yr
1 complimentary domestic airpo...
✓ Up to 6.5% savings on HPCL fuel purchases including reward points, Happy Wallet cashback, and surcharge waiver
✓ 5% savings on grocery and utility bill payments up to ₹2,000/month
− Fuel savings accelerated rates only valid at authorized HPCL retail outlets via HP Pay app
Estimated Net Value
+₹7,000/yr
Net value benchmarked on ₹3L spend
Apply via Bank View Full Review
Direct Official Portal • Zero Spam
Rates, Fees & MITC Fine Print
Forex Markup
3.50% + GST
Lounge Access
4 Domestic / yr
1 complimentary domestic airpo...
Redemption Fee
₹99
Per redemption request
Exclusions
Fuel, Rent
Zero rewards earned
Fuel Surcharge: 1% waiver (₹400 - ₹4,000)
Interest Charges: 0.75% - 3.99% p.m.
Interest-Free Period: Up to 48 days
SBI Card Visa Bpcl Sbi Card
MITC Verified Nov 2026
SBI Card
FUEL

SBI BPCL Credit Card

•••• •••• •••• 4039

VISA
CardSahayak Score Verified
78 /100
3.9
Min CIBIL 700+ Min ₹20,000/mo

SBI BPCL Credit Card

SBI Card • Fuel Tier

Our Take: 4.25% value back on BPCL fuel (13X points), 2,000 bonus points welcome gift, 5X points on groceries/dining/movies, annual fee waiver on ₹50K spend.
Annual Fee
₹499
Waived @ ₹50,000 spend/yr
Joining Fee
₹499
₹500 Welcome Bonus
Rewards Rate
4.3%
Base Rate
Airport Lounges
0 Visits (No Access)
Free (No spend rule)
✓ 4.25% value back (13X Reward Points = 3.25% + 1% surcharge waiver) on BPCL fuel purchases
✓ 2,000 bonus reward points (worth ₹500) on payment of joining fee
− Fuel reward points capped at 1,300 points per billing cycle
Estimated Net Value
+₹12,750/yr
Net value benchmarked on ₹3L spend
Apply via Bank View Full Review
Direct Official Portal • Zero Spam
Rates, Fees & MITC Fine Print
Forex Markup
3.50% + GST
Lounge Access
0 Visits (No Access)
Free (No spend rule)
Redemption Fee
₹99
Per redemption request
Exclusions
Fuel, Rent, Utilities
Zero rewards earned
Fuel Surcharge: 1% waiver (₹400 - ₹4,000)
Interest Charges: 3.75% - 3.75% p.m.
Interest-Free Period: 20 to 50 days
Kotak Mahindra Bank Rupay Platinum
MITC Verified Nov 2026
Kotak Mahindra Bank
FUEL

Kotak IndianOil

•••• •••• •••• 9398

RuPay
CardSahayak Score Verified
76 /100
3.8
Min CIBIL 700+ Min ₹15,000/mo

Kotak IndianOil

Kotak Mahindra Bank • Fuel Tier

Our Take: Fuel co-brand card with 4% at IndianOil and 2% on dining/grocery.
Annual Fee
₹449
Waived @ ₹50,000 spend/yr
Joining Fee
₹449
₹250 Welcome Bonus
Rewards Rate
2.0%
Base Rate
Airport Lounges
0 Visits (No Access)
Free (No spend rule)
✓ Up to 5% overall savings at IndianOil outlets (4% rewards + 1% surcharge waiver)
✓ 2% value back as Reward Points on Dining and Grocery spends
− Fuel reward points capped at 1,200 points (₹300 value) per billing cycle
Estimated Net Value
+₹6,000/yr
Net value benchmarked on ₹3L spend
Apply via Bank View Full Review
Direct Official Portal • Zero Spam
Rates, Fees & MITC Fine Print
Forex Markup
3.50% + GST
Lounge Access
0 Visits (No Access)
Free (No spend rule)
Redemption Fee
₹99
Per redemption request
Exclusions
Rent, Fuel, Wallets
Zero rewards earned
Fuel Surcharge: 1% waiver (₹400 - ₹4,000)
Interest Charges: 3.75% - 3.75% p.m.
Interest-Free Period: 20 to 48 days
ICICI Bank Visa, Rupay, Mastercard Coral
MITC Verified Nov 2026
ICICI Bank
FUEL

ICICI HPCL Coral

•••• •••• •••• 2064

VISA
CardSahayak Score Verified
75 /100
3.7
Min CIBIL 700+ Min ₹20,000/mo

ICICI HPCL Coral

ICICI Bank • Fuel Tier

Our Take: Affordable entry-level fuel card offering up to 3.5% savings at HPCL pumps, 2 RP per ₹100 on retail, BookMyShow 25% off, and low ₹199 fee waivable on ₹50K spend.
Annual Fee
₹199
Waived @ ₹50,000 spend/yr
Joining Fee
₹199
One-time joining fee
Rewards Rate
2.5%
Flat Cashback • Accelerated
Airport Lounges
0 Visits (No Access)
Free (No spend rule)
✓ Ultra-low annual fee of ₹199 + GST easily waived on annual retail spends of just ₹50,000
✓ Up to 3.5% savings on fuel at HPCL petrol pumps (2.5% cashback capped at ₹100/month + 1% fuel surcharge waiver on ICICI POS)
− Fuel cashback capped at ₹100 per billing cycle (spends up to ₹4,000/month at HPCL)
Estimated Net Value
+₹7,500/yr
Net value benchmarked on ₹3L spend
Apply via Bank View Full Review
Direct Official Portal • Zero Spam
Rates, Fees & MITC Fine Print
Forex Markup
3.50% + GST
Lounge Access
0 Visits (No Access)
Free (No spend rule)
Redemption Fee
₹99
Per redemption request
Exclusions
Rent, Fuel, Wallets
Zero rewards earned
Fuel Surcharge: 1% waiver (₹400 - ₹4,000)
Interest Charges: 3.50% - 3.75% p.m.
Interest-Free Period: 20 to 50 days
RBL Bank Mastercard, Rupay Classic
MITC Verified Nov 2026
RBL Bank
FUEL

IndianOil RBL Bank Credit Card

•••• •••• •••• 1482

CardSahayak Score Verified
74 /100
3.7
Min CIBIL 700+ Min ₹25,000/mo

IndianOil RBL Bank Credit Card

RBL Bank • Fuel Tier

Our Take: Fuel co-brand card offering up to 8.5% valueback in fuel points at IndianOil pumps, 1% fuel waiver, and annual fee waiver at ₹1.75 Lakhs.
Annual Fee
₹500
Waived @ ₹1.75 Lakh spend/yr
Joining Fee
₹500
1,000 Fuel Points (worth ₹50...
Rewards Rate
1.0%
Base Rate
Airport Lounges
0 Visits (No Access)
Free (No spend rule)
✓ Up to 8.5% total valueback on fuel purchases at authorized IndianOil outlets
✓ 1% fuel surcharge waiver on transactions between ₹500 and ₹4,000 (up to ₹100/mo)
− Accelerated fuel points capped at 250 points per billing cycle
Estimated Net Value
+₹3,000/yr
Net value benchmarked on ₹3L spend
Apply via Bank View Full Review
Direct Official Portal • Zero Spam
Rates, Fees & MITC Fine Print
Forex Markup
3.50% + GST
Lounge Access
0 Visits (No Access)
Free (No spend rule)
Redemption Fee
₹99
Per redemption request
Exclusions
Utilities, Rent, Wallets
Zero rewards earned
Fuel Surcharge: 1% waiver (₹400 - ₹4,000)
Interest Charges: 3.99% - 3.99% p.m.
Interest-Free Period: 20 to 50 days
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