Category
Fuel
Petrol pumps. Most cards earn nothing here and only waive the 1% surcharge — fuel co-brands are the real winners.
No card in your wallet earns rewards on fuel yet.
When you add a card that does, it will rank here automatically.
Best in market
Fuel cards in India are pump-brand-locked (IOCL/BPCL/HPCL); the winning combo is accelerated rewards + 1% surcharge waiver for 7-8.5% total value, always with monthly earn caps around ₹10,000-13,000 of fuel spend. · Top-tier picks from the whole Indian market, researched 7 Aug 2026.
RBL Bank IndianOil XTRA
15 Fuel Points per ₹100 at IOCL (7.5%) plus 1% surcharge waiver — highest fuel value-back in the market, worth up to 250L of free fuel a year
₹1,500 + GST, waived on ₹2.75 lakh annual spends
Best-in-class rate for IOCL fillers, and you already fuel at IndianOil (you hold the Kotak IndianOil at only 4%) — this doubles your value-back at the same pumps. Quarterly milestone adds 1,000 Fuel Points on ₹75,000 spends.
IOCL pumps only; 15x earn capped at 2,000 Fuel Points/month (~₹13,300 fuel spend); points redeem as fuel via XTRA Rewards, not cash; RBL's app and service quality get mixed reviews.
SBI Card BPCL OCTANE
25 reward points per ₹100 at BPCL (6.25%) + 1% surcharge waiver = 7.25% total value-back
₹1,499 + GST, waived on ₹2 lakh annual spends
The straight upgrade path from the base BPCL SBI card you already own (4.25%) — same pumps, ~3% more value. Verified still intact in 2026 with no devaluation; points redeem easily against the statement or fuel.
BPCL pumps only; 25x points capped at 2,500 RP per billing cycle (~₹10,000 fuel/month); surcharge waiver capped ₹100/cycle; SBI points worth ₹0.25 each, redemption fee applies on some routes.
IDFC FIRST Bank FIRST HPCL Power+
5% value-back on HPCL fuel (up to 6.5% when paying via the HP Pay app), at the lowest fee in the segment
₹499 + GST, waived on ₹1.5 lakh annual spends
Best rate-to-fee ratio of any fuel card and the only HPCL option worth having; bonus 5% on utilities and groceries makes it a decent all-rounder. You already bank IDFC (Millennia/WOW) so issuance is easy.
HPCL pumps only; 5% fuel earn capped at ₹12,000 fuel spend per statement cycle; the utilities/groceries 5% is capped at just ₹2,000 spend/cycle; top rate requires routing payment through HP Pay.
Your wallet · Fuel
What this category is actually worth
The same checks as the wallet page, narrowed to all 0 cards that earn on fuel. Set a monthly figure for it in to put rupees on these.
Earnings here
What each card would return on fuel at your spend — raw rates, before caps.
Every card in your wallet is excluded from fuel — see the reasons in the table above.
Milestone progress
Milestones on these cards, against your total spend routed to one card.
None of the cards that earn here has a milestone.
Fee check — does each card pay for itself?
Value is still counted across your whole wallet, not just this category — a card earns its fee wherever it wins. Waivers are not assumed.
| Card | Fee | Value/yr | Verdict |
|---|
Where the market beats your wallet
Your best card against the top pick in Best in market, just above — the numbers only, since the pick itself is already on this page.
No market pick with a comparable rate for this category yet.