Category
Fuel
Filling up at the pump. Most cards pay you nothing here and only refund the 1% surcharge, so a dedicated fuel card is usually the one worth carrying.
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 IndianOil pumps, roughly double what most fuel co-brands pay at the same forecourts. 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.
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.