Best Fuel Credit Cards in India: Indian Oil RBL Xtra Premium vs BPCL SBI Octane vs HPCL IDFC Power Plus

Compare India’s top fuel credit cards—Indian Oil RBL Xtra Premium, BPCL SBI Octane, and HPCL IDFC Power Plus. Discover the best card for cashback, fuel surcharge waivers, and value on fuel spending. Find the ideal credit card for fuel expenses with high tax-saving potential in 2025.

🛢️ Best Fuel Credit Cards in India: RBL Xtra Premium vs SBI Octane vs IDFC Power Plus – Full Comparison (2025 Edition)

Fuel prices in India have been constantly rising, making fuel expenses a significant monthly cost for most households and professionals. If you’re someone who drives regularly—whether for work, deliveries, or personal commuting—a fuel cashback credit card can save you thousands every year.

We compare three top-rated fuel cards in India for 2025:

• Indian Oil RBL Bank Xtra Premium Credit Card

• BPCL SBI Octane Credit Card

• HPCL IDFC First Power Plus Credit Card

Each of these cards is packed with benefits tailored for fuel users—but which card should you pick?

🥇 1. Indian Oil RBL Bank Xtra Premium Credit Card

Key Highlights:

• Earn 20 reward points per ₹150 spent at IndianOil petrol pumps.

• Welcome benefits worth ₹500 on joining.

• 1% fuel surcharge waiver up to ₹100/month.

• Complimentary lounge access (selected airports).

• Annual fee: ₹499 + GST (waived on spending ₹1 lakh/year)

Pros:
✅ High reward rate on IndianOil fuel purchases
✅ Ideal for regular IndianOil users
✅ Additional cashback via RBL reward redemptions
✅ Lounge access adds extra travel value

Cons:
❌ Limited to IndianOil outlets
❌ Reward points not real cashback—must be redeemed carefully
❌ Fuel surcharge waiver capped at ₹100

Best For: Commuters loyal to IndianOil who want maximum value via points.

🥈 2. BPCL SBI Octane Credit Card – My Favorite

Key Highlights:

• Flat 6.25% value back (in points) on BPCL fuel spends.

• Additional 13X reward points on BPCL transactions.

• ₹1,500 annual fee (waived on spending ₹2 lakh/year).

• Complimentary domestic airport lounge access (4/year).

• 1% fuel surcharge waiver, max ₹100/month.

Pros:
✅ Highest cashback rate among fuel cards in India
✅ Ease of use and acceptance across Bharat Petroleum outlets
✅ Useful rewards on groceries, movies, dining
✅ Lounge access for frequent flyers

Cons:
❌ Higher annual fee (₹1,500 + GST)
❌ Best suited only for those using BPCL pumps
❌ Reward redemption is restricted to BPCL ecosystem

Best For: Users who want the maximum returns on fuel spend and use BPCL consistently.

🥉 3. HPCL IDFC First Power Plus Credit Card

Key Highlights:

• 4% value back on HPCL fuel spends (via reward points)

• No joining fee; lifetime free card

• Fuel surcharge waiver up to ₹200/month

• Discounts on Zomato, Swiggy, BookMyShow, etc.

• No cap on monthly fuel cashback rewards

Pros:
✅ Lifetime free—no annual fees ever
✅ Higher surcharge waiver limit than competitors
✅ Partner discounts (food, movie tickets, etc.)
✅ Good for moderate fuel spenders

Cons:
❌ Slightly lower reward percentage on fuel (4%)
❌ Only HPCL fuel stations
❌ Points redemption process not very flexible

Best For: Budget-conscious users who want a no-fee fuel card with decent cashback.

📊 Quick Comparison Table

📌 Which Fuel Card is Best for You?

🔹 If you’re looking for maximum returns and travel perks, go for the BPCL SBI Octane Credit Card—it offers unbeatable cashback and great flexibility.

🔹 If you prefer a budget-friendly option with good perks, the IDFC Power Plus Card is perfect—it’s free for life and offers decent value.

🔹 And if you’re loyal to IndianOil, the RBL Xtra Premium Card gives strong rewards—but make sure to redeem points smartly.

With fuel prices staying high and daily commutes not getting any shorter, picking the right fuel credit card in India can significantly ease your financial burden. Whether you drive for work or leisure, these cards offer excellent savings—just align them with your fuel brand preference (BPCL, IndianOil, or HPCL).