Spends · category 01 of 15
Which credit cards still earn on Fuel — September 2026
Of the 1119 cards on the desk, 314 publish a rule for fuel — and 7 of those pay ABOVE the card's own normal rate here, against 14 at full rewards. The rest: 8 capped, 1 at a reduced rate, 280 earn nothing, 4 can't do it at all. Every one is below, with the cap, the MCC and the rate a swipe actually returns.
what the counts mean fold that back up
Which credit card is best for fuel spends in India?
Axis Bank PRIMUS (Axis Bank) pays 5.00% on fuel — the best rate of any card with a published rule here. 314 cards publish one, 280 of which earn nothing at all.
On a budget: Unity Bank BharatPe Credit Card (Unity Small Finance Bank) pays 2.00% on fuel for ₹0/yr or less, and it's open to apply.
MCC 5541, 5542, 5983, 5172, 5552 · 314 cards read line by line · rates at our house ₹/point
The three that actually pay
Ranked by what ₹100 of fuel returns — first-tier earn × this category's published treatment × our ₹/point. The same math the wallet winner ranks your own cards by.
- 01 Axis Bank PRIMUS
1 EDGE Mile/₹100 under the "all transactions" clause; no fuel carve-out anywhere in the T&C, and the surcharge waiver band is ₹400–₹10,000 per statement cycle
5.00% full earn - 02 Unity Bank BharatPe Credit Card
Earns the full 2%. Fuel is on no exclusion list in the product page, the MITC or the KFS — the carve-out almost every Indian cashback card writes here simply is not written. The KFS does charge "Fuel Surcharge — 1% of the transaction amount" with no waiver clause anywhere in the document, so a fill nets about 1% rather than 2%; that is a fee, not a reduced earn rate
2.00% full earn - 03 Club Vistara SBI Card PRIME
Fuel accrues CV Points at the base rate. Checked, not assumed — the words "petrol pump" and the MCCs 5172/5541/5542/5983 appear nowhere in this booklet's reward-exclusion clause, where every other SBI card names them first. The 1% surcharge waiver is separate and unaffected
1.60% full earn
Every card with a published rule
314 cards
Accelerated first, then full earners, then capped, then reduced, then the zeroes — each block by the rate it returns here. The rule text is the issuer's own, quoted from the document we read.
| Card | Earns | Rate here | The cap, and the rule it comes from |
|---|---|---|---|
| Amex Platinum Charge American Express | accelerated | 1.25% | UNIQUE: still earns 5 MR/₹100 on fuel capped 5,000 MR/month — DOUBLE the card's ordinary 2.5 MR/₹100, not a cut, and bounded by a points ceiling this desk does not convert; the ONLY card of the 24 earning on fuel after Amex killed fuel earn on all other consumer cards 12-Jun-2025; 0% HPCL convenience fee <₹5k, 1% ≥₹5k, BPCL/IOCL 1%, others 2.5% |
| IndianOil RBL Bank XTRA Credit Card RBL Bank | accelerated | 1.00% | 15 Fuel Points per ₹100 ≈ 7.5% at IndianOil stations on the TID/MID list IOCL publishes, capped at 2,000 Fuel Points a month; past the cap and at any other brand the base 2 per ₹100 applies, since this card's documents carry no Fuel & Auto exclusion. Separately, 1% fuel-surcharge waiver up to ₹200 a month on fills of ₹500–4,000 |
| Kotak Cashback+ Kotak Mahindra Bank | accelerated | 0.50% | 3% on fuel at any station — rare in this market, since most Indian cards pay nothing on fuel. Shares the 750-point bucket, and the 1% surcharge waiver sits on top for ₹500–₹4,000 transactions up to ₹3,500 an anniversary year |
| Kotak Cashback+ Prime Kotak Mahindra Bank | accelerated | 0.50% | 3% on fuel at any station, in the shared bucket, with the 1% surcharge waiver on ₹500–₹4,000 transactions up to ₹3,500 an anniversary year on top |
| ICICI Bank HPCL Coral Credit Card ICICI Bank | accelerated | 0.50% | 2.5% cashback on HPCL fuel swiped at the pump, capped at ₹100 a month — about ₹4,000 of fuel — plus a 1% surcharge waiver on ₹400–₹4,000 transactions, which is where ICICI's headline "up to 3.5% savings" comes from and which only applies on an ICICI Bank POS machine. REWARD POINTS on fuel are a separate question with a network-specific answer: the MITC's fuel exclusion is lifted for "ICICI Bank HPCL Coral Credit Card – American Express network variant only", so the Visa and Mastercard variants earn zero points on the same pump |
| Union UNI-CARBON Union Bank of India | accelerated | 0.50% | 16 Reward Points per ₹100 — 4% at Union's own ₹0.25 a point — on fuel transactions of ₹500 or more at authorised HPCL outlets, capped at ₹150 a billing cycle per card, so about ₹3,750 of HPCL fuel a cycle exhausts it. Paying through the HP Pay app adds a 1% fuel surcharge waiver and 1.5% as 6 HP loyalty points into the HP Pay wallet, which Union totals as 6.5%. Fuel bought anywhere else earns nothing: the card's base rate is published as applying to "non-fuel transactions" |
| IndianOil RBL Bank Credit Card RBL Bank | accelerated | 0.50% | 10 Fuel Points per ₹100 ≈ 5% at IndianOil stations on the TID/MID list IOCL publishes, capped at 1,000 Fuel Points a month. Fuel bought anywhere else earns nothing — the product page's exclusion note lists Fuel & Auto (MCC 0032, 2541, 4001, 5542, 5541, 5172), though the card T&C's own §3.7 table omits that row; we render the union. Separately, 1% fuel-surcharge waiver up to ₹100 a month on fills of ₹500–4,000 |
| Axis Bank PRIMUS Axis Bank | full earn | 5.00% | 1 EDGE Mile/₹100 under the "all transactions" clause; no fuel carve-out anywhere in the T&C, and the surcharge waiver band is ₹400–₹10,000 per statement cycle |
| Unity Bank BharatPe Credit Card Unity Small Finance Bank | full earn | 2.00% | Earns the full 2%. Fuel is on no exclusion list in the product page, the MITC or the KFS — the carve-out almost every Indian cashback card writes here simply is not written. The KFS does charge "Fuel Surcharge — 1% of the transaction amount" with no waiver clause anywhere in the document, so a fill nets about 1% rather than 2%; that is a fee, not a reduced earn rate |
| Club Vistara SBI Card PRIME SBI Card | full earn | 1.60% | Fuel accrues CV Points at the base rate. Checked, not assumed — the words "petrol pump" and the MCCs 5172/5541/5542/5983 appear nowhere in this booklet's reward-exclusion clause, where every other SBI card names them first. The 1% surcharge waiver is separate and unaffected |
| Club Vistara SBI Card SBI Card | full earn | 1.20% | Fuel accrues CV Points at the base rate — the booklet's reward-exclusion clause names no petrol-pump MCC, exactly as on the PRIME tier |
| MakeMyTrip ICICI Bank ICICI Bank | full earn | 1.00% | 1 myCash per ₹100 — MakeMyTrip ICICI is one of only four cards ICICI's MITC exempts from "No reward points will be provided for transactions falling under the Fuel category" (with Parakram, Parakram Select and HPCL Coral Amex). A 1% surcharge waiver on fuel txns applies on top |
| IndianOil Axis Bank Premium Axis Bank | full earn | 0.67% | The one card here where fuel is the point — 6 EDGE Miles per ₹150 at IndianOil outlets on the first ₹15,000 a statement month, then 1 per ₹150; fuel elsewhere earns the base 1 per ₹150. 1% fuel-surcharge waiver at IOCL outlets, uncapped, GST non-refundable. A separate 1% fee applies above ₹50,000 of fuel a statement period |
| ICICI Bank Parakram Select ICICI Bank | full earn | 0.50% | 2 RP per ₹100 — Parakram Select is one of only four cards the MITC exempts from the blanket fuel-earn exclusion. A 1% surcharge waiver applies on ₹400–₹4,000, capped at ₹250 a month. |
| ICICI Bank Parakram ICICI Bank | full earn | 0.25% | 1 RP per ₹100 — Parakram is one of only four cards the MITC exempts from "No reward points will be provided for transactions falling under the Fuel category". A 1% surcharge waiver applies on top. |
| Kotak811 Dream Different Kotak Mahindra Bank | full earn | 0.25% | Earns the normal rate up to a point — a 1% fee applies on cumulative fuel spends above ₹25,000 a statement cycle, and the 1% surcharge waiver covers transactions of ₹500 to ₹4,000, capped at ₹3,500 an anniversary year. No reward points accrue on a transaction where the waiver is given |
| Indian Overseas Bank RuPay Select Indian Overseas Bank | full earn | 0.25% | IOB's MITC states the waiver card-agnostically: 1% surcharge waived on transactions between ₹400 and ₹5,000, capped at ₹250 a billing cycle. The product page repeats it in the RuPay Select column. Nothing IOB publishes says reward points are withheld on fuel, so the ordinary rate is assumed to apply (inferred from absence, flag) |
| Indian Overseas Bank RuPay Platinum Indian Overseas Bank | full earn | 0.25% | 1% surcharge waived on transactions between ₹400 and ₹5,000, capped at ₹250 a billing cycle — stated card-agnostically in the MITC and repeated in the product page's RuPay Platinum column. No points exclusion is published (inferred from absence, flag) |
| IOB Gold Credit Card Indian Overseas Bank | full earn | 0.20% | IOB's MITC states the waiver card-agnostically: 1% surcharge waived on transactions between ₹400 and ₹5,000, capped at ₹250 a billing cycle. No cashback exclusion is published for fuel (inferred from absence, flag) |
| IOB Classic Credit Card Indian Overseas Bank | full earn | 0.20% | 1% surcharge waived on transactions between ₹400 and ₹5,000, capped at ₹250 a billing cycle, stated card-agnostically in IOB's MITC. No cashback exclusion is published for fuel (inferred from absence, flag) |
| Indian Overseas Bank RuPay Classic Indian Overseas Bank | full earn | 0.17% | IOB's two documents disagree for this variant and the desk records both: the MITC states the 1% surcharge waiver (₹400 to ₹5,000, capped ₹250 a billing cycle) for the card range with no carve-out, while the product page prints a dash in this variant's fuel cell where Platinum and Select carry the waiver text. No points exclusion is published either way (flag) |
| IndianOil HDFC Bank Credit Card HDFC Bank | capped | 0.64% | 5 Fuel Points per ₹100 at IndianOil pumps and outlets — 4.8% at HDFC's own ₹0.96 a point — but only up to 250 Fuel Points a month for the first six months and 150 a month afterwards, which is about ₹3,000 of petrol. Past the cap the category earns NOTHING, not the base rate — HDFC's own worked example scores a ₹4,000 fill-up on the 5th of the month at zero. Accrual is by IOCL-authorised terminal (TID/MID), not by MCC, and fuel at any non-IOCL pump earns nothing at all because "Fuel" sits on the §2.1 exclusion list. Separately, a 1% fuel-surcharge waiver applies on transactions of ₹400–₹5,000, capped at ₹250 a statement cycle |
| IDFC FIRST HPCL Power+ IDFC FIRST Bank | capped | 0.50% | 30 RP/₹150 at authorised HPCL stations — 5% — but only on ₹12,000 of pump spend a statement cycle (2,400 RP), and non-HPCL fuel is struck out of "other retail spends" entirely, so it earns nothing. HPCL authorisation runs off merchant IDs, so an unlisted pump pays zero. |
| IndianOil Kotak Credit Card Kotak Mahindra Bank | capped | 0.50% | 24 Reward Points per ₹150 at IndianOil outlets — 4% at 25p a point — capped at 1,200 points a statement cycle, which is about ₹7,500 of petrol; past the cap it reverts to the 3-per-₹150 base. Fuel at any other pump earns only the base rate. Kotak's advertised "5%" is this 4% plus the waiver, by its own footnote — a 1% fuel-surcharge waiver on transactions of ₹100–₹5,000, capped at ₹100 a statement cycle, and working ONLY at IndianOil outlets, "not on any other fuel pumps". A separate KFS line reads "Fee on Fuel Transactions — Waived" |
| HPCL ENERGIE BOBCARD BOBCARD (Bank of Baroda) | capped | 0.33% | The one BOBCARD where fuel earns anything — 24 RP/₹150 (16 RP/₹100, about 4%) at HPCL retail outlets, HP Pay and LPG, capped at 1,000 RP a statement cycle, roughly ₹6,250 of fuel. HP Pay direct debit and wallet-load transactions are excluded from both the accelerated points and the surcharge waiver; a 1% fuel-surcharge waiver at HPCL stations on ₹400–₹5,000, max ₹100 a statement. This card is also carved OUT of the 1% processing fee on fuel of ₹10,000+ |
| BPCL SBI Card OCTANE SBI Card | capped | 0.25% | BPCL fuel earns 25 Reward Points per ₹100 (6.25% at ₹0.25 a point) but stops at 2,500 Reward Points a statement cycle — ₹10,000 of fuel a month. Every petrol pump or service station that is not BPCL earns zero, and BPCL fuel bought via UPI on the RuPay variant earns zero AND loses the waiver; the waiver itself is a 1% fuel-surcharge waiver at BPCL pumps on POS swipes up to ₹4,000, max ₹100 a statement cycle |
| IndianOil Axis Bank Credit Card Axis Bank | capped | 0.20% | 20 EDGE REWARD Points per ₹100 at IOCL outlets — 4% at ₹0.20 a point — but only on the first ₹5,000 of IOCL fuel a calendar month, and only where the settlement amount falls between ₹400 and ₹4,000 (settlement meaning the original amount plus the fuel surcharge, plus the GST on that surcharge, which Axis levies at 18%). Accelerated points credit within 24 days. Fuel at a non-IOCL pump earns the 1-per-₹100 base. The 1% fuel-surcharge waiver runs on the same ₹400–₹4,000 settlement band and caps at ₹50 a statement cycle, with the GST on the surcharge non-refundable; a separate 1% fee applies above ₹50,000 of fuel a statement period |
| Standard Chartered Super Value Titanium Standard Chartered | capped | 0.17% | 5% cashback at all fuel stations, but only on transactions of ₹2,000 or below, and capped at ₹100 a transaction and ₹200 a month. SC discontinued the 1% fuel surcharge waiver on 25 August 2024 and raised the cashback from 4% to 5% in its place, credited to the R360 portal |
| RBL Platinum LifeEasy RBL Bank | capped | — | CONTRADICTED, and the reader should assume the footnote wins: the page advertises "10% Cashback on Fuel Purchases (INR 200 per month)" as a headline benefit, and its own dated footnote says Fuel & Auto transactions "are not eligible on your Platinum LifeEasy Credit Card" effective 15 October 2024. The 1% fuel surcharge waiver (max ₹150 a month) is not in dispute |
| IndiGo IDFC FIRST Dual Credit Card IDFC FIRST Bank | reduced | 0.25% | NOT in the published 0.5 BluChips/₹100 reduced band (UPI/Rent/Utility/Insurance/Wallet only) — reduced treatment inferred, may be fully excluded; verify against IDFC T&C (community, flag, 2026-07-22) |
| HDFC Infinia Metal HDFC Bank | earns nothing | — | Zero RP; 1% fuel surcharge waiver instead (community: txns ₹400–₹1L, waiver capped ~₹1,000/cycle) |
| Axis Magnus for Burgundy Axis Bank | earns nothing | — | Same as Magnus |
| ICICI Emeralde Private Metal ICICI Bank | earns nothing | — | Zero RP; 1% surcharge waiver on fuel spends up to ₹50k/month (Nov-2024 cap) |
| HDFC Diners Club Black Metal HDFC Bank | earns nothing | — | Zero RP; 1% surcharge waiver (community: ₹400–₹1L txns, cap ~₹1,000/cycle) |
| Axis Olympus Axis Bank | earns nothing | — | "Fuel" in the official Excluded Merchant Categories list (Olympus T&C §4) |
| Axis Burgundy Private Axis Bank | earns nothing | — | No EDGE RP on fuel (CardInsider) |
| HSBC Premier (Metal) HSBC | earns nothing | — | MCC 5541/5983/5172/5542/5552 — the only category Premier zeroes outright |
| IDFC FIRST Private IDFC FIRST Bank | earns nothing | — | Zero RP — the consolidated T&C's "No Reward Points will be awarded for" list names fuel transactions; 1% fuel surcharge waiver instead, and on Private alone the MITC prints "No Capping" against that waiver so no cap is published on it (every other IDFC card caps it at ₹200–₹300 a cycle). Private is also exempt from the 1% Fuel Fee above ₹30,000/cycle |
| Marriott Bonvoy HDFC Bank HDFC Bank | earns nothing | — | Zero Bonvoy points; no fuel surcharge waiver documented — single-source, verify |
| Axis Magnus Axis Bank | earns nothing | — | Zero EDGE points; 1% surcharge waiver ₹400–₹4k txns (waiver cap ~₹400/month — community) |
| IDFC FIRST Gaj IDFC FIRST Bank | earns nothing | — | Zero RP (MCC 5172/5541/5542/5552/5983); 1% surcharge waiver on ₹200–₹5,000 txns, cap ₹300/cycle; 1% fee once fuel spends pass ₹30,000/cycle |
| BOBCARD Etihad Guest Premium BOBCARD (Bank of Baroda) | earns nothing | — | Zero miles — the official MITC says the fuel transactions that get the waiver earn nothing; 1% fuel-surcharge waiver on transactions of ₹500–₹5,000, capped at ₹250 a statement cycle; 1% processing fee on fuel txns ≥₹10k |
| HDFC Regalia Gold HDFC Bank | earns nothing | — | Zero RP; 1% surcharge waiver (community: ₹400–₹5k txns, cap ~₹500/cycle) |
| IDFC FIRST Mayura IDFC FIRST Bank | earns nothing | — | Zero RP; 1% surcharge waiver on ₹200–₹5,000 txns, cap ₹300/cycle |
| IndusInd Tiger IndusInd Bank | earns nothing | — | Zero points; 1% surcharge waiver on ₹400–₹4,000 txns (official MITC) |
| RBL Nova RBL Bank | earns nothing | — | "Fuel & Auto" in the official rbl.bank.in exclusion list; 1% fuel surcharge waiver |
| HSBC TravelOne HSBC | earns nothing | — | MCC 5541/5542/5983/5172/5552 (listed with utilities); 1% surcharge waiver ₹400–₹4k, cap ~₹250/cycle — community |
| IDFC FIRST Ashva IDFC FIRST Bank | earns nothing | — | Zero RP (official exclusion list); 1% surcharge waiver on ₹200–₹5,000 txns, cap ₹300/cycle |
| Kotak Air+ Prime Kotak Mahindra Bank | earns nothing | — | MCC 5172/5541/5542/5552/5983 earn no Air Miles; 1% surcharge waiver on ₹400–₹7,500 transactions, max ₹4,500 an anniversary year. Not on the waiver-exclusion list, so fuel spend still counts toward the ₹4,00,000 |
| Kotak Air+ Kotak Mahindra Bank | earns nothing | — | Fuel in the published no-earn list; 1% surcharge waiver on txns ₹400–₹7,500, max ₹4,500/year |
| Standard Chartered Beyond Standard Chartered | earns nothing | — | "Fuel purchases" earn no reward points (§4.2.1); 1% fuel surcharge waiver instead, capped ₹5,000 a statement cycle on MCC 5172, 5541, 5542, 5983 |
| Standard Chartered Ultimate Standard Chartered | earns nothing | — | Zero RP since 2-Apr-2023; 1% surcharge waiver all pumps, cap ₹1,000/month |
| IndusInd PIONEER Private IndusInd Bank | earns nothing | — | "No reward points will be earned on transactions done on fuel spends" — clause 2.3; a 1% fuel-surcharge reversal applies instead on ₹500–₹10,000 transactions, and the MITC exempts this card from the 1% fuel FEE entirely |
| DBS Altitude DBS Bank India | earns nothing | — | MCC 5983, 5542, 5541, 5172 earn no Vantage Points — 1% surcharge waiver instead on transactions of ₹1,000–₹6,000, capped ₹200 a billing cycle |
| IDFC FIRST Diamond Reserve IDFC FIRST Bank | earns nothing | — | No reward points on fuel; a 1% fuel surcharge waiver capped at ₹300 a cycle applies instead |
| KrisFlyer SBI Card APEX SBI Card | earns nothing | — | Zero miles — MCC 5172, 5541, 5542, 5983 in the T&C's own exclusion table; 1% fuel-surcharge waiver on ₹500–₹4,000 transactions, max ₹250 per statement cycle |
| Axis Bank Reserve Axis Bank | earns nothing | — | Zero EDGE points; surcharge waiver 1% ₹400–₹4k (community cap ~₹1,000/month) |
| ICICI Times Black ICICI Bank | earns nothing | — | Zero RP (official page); 1% fuel surcharge waiver up to ₹1,000/statement cycle — CardInsider/CardExpert |
| Axis Horizon Axis Bank | earns nothing | — | MCC 5541/5542/5983/5172 zero EDGE Miles; 1% fuel surcharge waiver on ₹400–₹5,000 txns, waiver cap ₹400/statement month (official — Atlas gets no waiver at all) |
| YES Bank Marquee YES Bank | earns nothing | — | Zero RP; 1% surcharge waiver on ₹500–₹5,000 txns, cap ₹1,000/cycle (official MITC); 1% fee past ₹10k/txn or ₹50k/month |
| HDFC Diners Club Privilege HDFC Bank | earns nothing | — | Zero RP; 1% surcharge waiver (community: ₹400–₹5k, cap ~₹500/cycle) |
| HSBC Taj HSBC | earns nothing | — | Verbatim, under the petrol surcharge waiver: "For transactions eligible for surcharge waiver, reward points will not be awarded" — so the ₹400–₹4,000 band that saves you the 1% costs you the earn. HSBC publishes no MCC table for this card at all; every other category is honestly unknown, not silently full. |
| Axis Miles & More World Select Axis Bank | earns nothing | — | No award miles on fuel; surcharge waiver — community/flag |
| Scapia (Federal Bank) Federal Bank | earns nothing | — | Zero coins; 1% surcharge waiver ≤₹5,000 txns (waiver cap ₹500/month, official KFS); 1% fee past ₹50k/month fuel spend |
| ixigo AU AU Small Finance Bank | earns nothing | — | Zero RP; 1% fuel surcharge waiver — band ₹400–₹5,000 per txn (CardInsider), cap ₹250/month (official); both terms hold, reconciled 2026-07-22 |
| IndusInd Avios Visa Infinite IndusInd Bank | earns nothing | — | No Avios on fuel; 1% surcharge waiver ₹400–4,000, and 1% fee on fuel >₹50k/cycle (MITC) |
| BOBCARD Etihad Guest BOBCARD (Bank of Baroda) | earns nothing | — | Fuel earns no miles at all: a 1% surcharge waiver applies on ₹500–₹5,000 transactions (max ₹250 a statement), and a 1% processing fee applies above ₹10,000 |
| Tata Neu Infinity HDFC Bank HDFC Bank | earns nothing | — | Zero NeuCoins; 1% surcharge waiver on ₹400–₹5,000 txns (community) |
| Tata Neu Infinity SBI Card SBI Card | earns nothing | — | Zero NeuCoins — MCC 5172, 5541, 5542, 5983; the 1% fuel-surcharge waiver on ₹500–₹4,000 transactions (max ₹500 per statement cycle) is all you get |
| SBI Card MILES PRIME SBI Card | earns nothing | — | MCC 5172/5541/5542/5983; 1% surcharge waiver ₹500–₹4k txns, cap ~₹250/cycle — community |
| HSBC Live+ HSBC | earns nothing | — | MCC 5541/5542/5983/5172/5552 — 0% cashback |
| HSBC RuPay Cashback HSBC | earns nothing | — | Zero cashback — HSBC names 5541, 5983, 5172, 5542 and 5552, which is every code in this category |
| Equitas PowerMiles Equitas Small Finance Bank | earns nothing | — | Fuel in the official MITC exclusion list; 1% surcharge waiver on txns ₹500–₹3,000, capped ₹450/month and ₹5,400/year (MITC table; corrected from "up to ₹3,000", 2026-08-08) |
| IDBI Bank LIC Eclat Select IDBI Bank | earns nothing | — | Zero Delight Points — MCC 5541, 5542, 5172 and 5983 are all on the MITC's exclusion annexure. What you get instead is a 1% fuel surcharge refund on transactions between ₹400 and ₹5,000, capped at ₹500 a month |
| BOBCARD Eterna BOBCARD (Bank of Baroda) | earns nothing | — | Effectively zero (surcharge-waiver txns don't earn); 1% processing fee on fuel ≥₹10k (official KFS) |
| BOBCARD Tiara BOBCARD (Bank of Baroda) | earns nothing | — | Zero reward points — §1.1: "Fuel transactions don't accrue/earn any reward points on any BOBCARD except HPCL Energie". You get the 1% surcharge waiver (₹400–₹5,000, max ₹250 a statement) instead, and the KFS adds that waived fuel transactions earn no points; fuel of ₹10,000+ also carries a 1% processing fee |
| Axis Miles & More World Axis Bank | earns nothing | — | No award miles on fuel; surcharge waiver — community/flag |
| Axis Bank SELECT Axis Bank | earns nothing | — | Zero EDGE points (named in the 20-Jun-2025 T&C exclusion list); 1% surcharge waiver ₹400–₹4,000, max ₹400/cycle |
| Kotak Air Kotak Mahindra Bank | earns nothing | — | Fuel in the published no-earn list; 1% surcharge waiver on txns ₹500–₹5,000, max ₹3,500/year |
| Amazon Pay ICICI Bank ICICI Bank | earns nothing | — | Zero rewards; the T&C keeps the 1% surcharge waiver — "fuel transactions will be eligible for 1% surcharge waiver" |
| IDBI Bank Euphoria World IDBI Bank | earns nothing | — | Zero Delight Points — MCC 5541, 5542, 5172 and 5983 are all on the MITC's exclusion annexure. What you get instead is a 1% fuel surcharge refund on transactions between ₹400 and ₹5,000, capped at ₹500 a month |
| IDBI Bank Royale Signature IDBI Bank | earns nothing | — | Zero Delight Points — MCC 5541, 5542, 5172 and 5983 are all on the MITC's exclusion annexure. What you get instead is a 1% fuel surcharge refund on transactions between ₹400 and ₹5,000, capped at ₹500 a month |
| Indus Solitaire IndusInd Bank | earns nothing | — | No Reward Points on fuel from 1-Apr-2018 (bank-wide notice on the product page); the MITC exempts Solitaire from the 1% fuel fee as well |
| HSBC Platinum HSBC | earns nothing | — | Zero reward points — HSBC's Rewards Programme exclusion table names 5541, 5983, 5172, 5542 and 5552, which is every code in this category. And a second clause closes the loophole from the other side: "For transactions eligible for surcharge waiver, reward points will not be awarded." The waiver itself runs on fuel purchases of ₹400–₹4,000, capped at ₹250 a calendar month, and is withheld for the first 90 days after card issuance |
| HSBC RuPay Platinum HSBC | earns nothing | — | Zero reward points — HSBC's Rewards Programme exclusion table names 5541, 5983, 5172, 5542 and 5552, which is every code in this category. And a second clause closes the loophole from the other side: "For transactions eligible for surcharge waiver, reward points will not be awarded." The waiver itself runs on fuel purchases of ₹400–₹4,000, capped at ₹250 a calendar month, and is withheld for the first 90 days after card issuance |
| RBL Platinum Maxima RBL Bank | earns nothing | — | No points — "Fuel & Auto" (MCC 0032, 2541, 4001, 5542, 5541, 5172) sits on the T&C's own category/MCC exclusion table; the 1% fuel surcharge waiver is the only fuel benefit |
| IDBI Bank Winnings IDBI Bank | earns nothing | — | Zero Delight Points — MCC 5541, 5542, 5172 and 5983 are all on the MITC's exclusion annexure. What you get instead is a 1% fuel surcharge refund on transactions between ₹400 and ₹5,000, capped at ₹400 a month |
| RBL Platinum Maxima Plus RBL Bank | earns nothing | — | No points — "Fuel & Auto" (MCC 0032, 2541, 4001, 5542, 5541, 5172) sits on the T&C's own category/MCC exclusion table; the 1% fuel surcharge waiver is the only fuel benefit |
| TVS Credit RBL Bank Gold RBL Bank / TVS Credit | earns nothing | — | No points — "Fuel & Auto" (MCC 0032, 2541, 4001, 5542, 5541, 5172) sits on the T&C's own category/MCC exclusion table; the 1% fuel surcharge waiver is the only fuel benefit |
| Adani One ICICI Bank Signature ICICI Bank | earns nothing | — | Zero points; 1% surcharge waiver on fuel txns — community mapping, flag |
| Adani One ICICI Bank Platinum ICICI Bank | earns nothing | — | "Fuel transactions carried out using the Credit Card" earn nothing. What survives is a 1% surcharge waiver on fuel spends up to ₹4,000 — and unusually, at ANY fuel outlet, not a single co-brand chain. |
| IndiGo SBI Card ELITE SBI Card | earns nothing | — | Zero BluChips — in SBI's published exclusion list; 1% fuel surcharge waiver on txns ₹500–₹4,000, max ₹400/statement cycle |
| IndiGo Axis Bank Premium Credit Card Axis Bank | earns nothing | — | "Fuel" in the card's published exclusion list |
| Emirates Skywards ICICI Bank Emeralde ICICI Bank | earns nothing | — | Zero miles; 1% surcharge waiver on ₹400–₹4,000 fuel txns |
| IDFC FIRST WOW! Black IDFC FIRST Bank | earns nothing | — | Zero RP; a 1% surcharge waiver capped at ₹200 a month is the whole benefit, and a 1% fee lands once fuel spend passes ₹30,000 a cycle |
| IDFC FIRST WOW! IDFC FIRST Bank | earns nothing | — | Zero RP; 1% surcharge waiver on ₹200–₹5,000 txns, cap ₹200/cycle (the lowest cap IDFC publishes); 1% fee once fuel spends pass ₹30,000/cycle |
| YES Bank RESERV YES Bank | earns nothing | — | Zero RP; 1% surcharge waiver (YES standard) — community, flag |
| YES Bank ELITE+ YES Bank | earns nothing | — | Zero YES Rewardz Points (MCCs 5172, 5541, 5542, 5983, 9752), plus YES's own 1% fee on a fuel transaction above ₹10,000 |
| RBL iGlobe RBL Bank | earns nothing | — | 1% surcharge waiver on ₹500–₹4,000 txns, cap ₹250/month; no RP — RBL standard, community, flag |
| SpiceJet Axis Bank Voyage Black Axis Bank | earns nothing | — | Zero SC Points; 1% fuel surcharge waiver instead (₹400–₹4,000 txns, max ₹400/month). Axis-wide 1% fuel fee above ₹50k/cycle |
| Kotak Solitaire Kotak Mahindra Bank | earns nothing | — | Zero Air Miles — official MCC table (5172, 5541, 5542, 5552, 5983); 1% surcharge waiver on txns ₹400–₹7,500, capped ₹10,000/anniversary year |
| SBI Card MILES ELITE SBI Card | earns nothing | — | MCC 5172/5541/5542/5983; 1% surcharge waiver ₹500–₹4k txns, cap ~₹250/cycle — community |
| IndiGo SBI Card SBI Card | earns nothing | — | Zero BluChips — in SBI's published exclusion list; 1% fuel surcharge waiver on txns ₹500–₹4,000 |
| RBL Icon RBL Bank | earns nothing | — | Zero RP; 1% surcharge waiver (verify slab) — RBL standard, community, flag |
| YES Essence YES Bank | earns nothing | — | "YES Rewardz Points will not be awarded on … Fuel" — MCCs 5172, 5541, 5542, 5983, 9752; YES also charges 1% on a fuel transaction above ₹10,000 |
| EazyDiner IndusInd Signature IndusInd Bank | earns nothing | — | "Earn 4 Reward Points on every Rs 100 spent on all other spends (Except fuel and dining)" — fuel earns nothing, and dining pays through the EazyDiner Prime discount instead; 1% fee on cumulative fuel above ₹50,000 a statement cycle from 15-Jun-2026 |
| Tata Neu Plus HDFC Bank HDFC Bank | earns nothing | — | First name in "NeuCoins will not be accrued for the following spends/transactions on the card" |
| Tata Neu Plus SBI Card SBI Card | earns nothing | — | Zero NeuCoins — MCC 5172, 5541, 5542, 5983 |
| RBL World Safari RBL Bank | earns nothing | — | 'Fuel & Auto' MCC 0032/2541/4001/5541/5542/5172; 1% surcharge waiver on ₹500–₹4,000 txns, waiver cap ₹250/month (official page) |
| RBL World Safari Lite RBL Bank | earns nothing | — | "Fuel & Auto" — named in §3.4(d) as ineligible to earn |
| RBL Platinum Edge RBL Bank | earns nothing | — | No points — "Fuel & Auto" (MCC 0032, 2541, 4001, 5542, 5541, 5172) sits on the product page's own dated exclusion footnote; the 1% fuel surcharge waiver is the only fuel benefit |
| RBL World Safari Plus RBL Bank | earns nothing | — | No points — "Fuel & Auto" (MCC 0032, 2541, 4001, 5542, 5541, 5172) sits on the T&C's own §3.4(c) exclusion sentence; the 1% fuel surcharge waiver is the only fuel benefit |
| KrisFlyer SBI Card SBI Card | earns nothing | — | Zero miles — in SBI's published exclusion list; 1% fuel surcharge waiver on txns up to ₹3,000 |
| PhonePe HDFC Bank Ultimo HDFC Bank | earns nothing | — | Named in the Reward Points TnCs exclusion list; a 1% fuel-surcharge waiver applies instead on ₹400–₹5,000 transactions, capped ₹250 a statement cycle |
| RBL Insignia Preferred Banking World Card RBL Bank | earns nothing | — | No RP on fuel; 1% surcharge waiver on ₹500–₹4,000 txns, cap ₹250/month — RBL standard, community, flag |
| Emirates Skywards ICICI Bank Sapphiro ICICI Bank | earns nothing | — | Zero miles; 1% surcharge waiver on ₹400–₹4,000 fuel txns |
| SBI Card ELITE SBI Card | earns nothing | — | Zero points — MCC 5172, 5541, 5542 and 5983, named in the card's own booklet and again in the program-wide register |
| Paytm HDFC Bank Select HDFC Bank | earns nothing | — | "CashBack is not applicable for wallet loads, fuel spends, EMI spends, rental spends and education spends"; a 1% fuel-surcharge waiver applies instead, min ₹400, max ₹500 a statement cycle |
| MakeMyTrip ICICI Bank Platinum ICICI Bank | earns nothing | — | "Fuel transactions done on the MakeMyTrip ICICI Bank Credit Card" earn no myCash |
| Axis Bank Privilege Axis Bank | earns nothing | — | "No reward points are earned on fuel transactions" (MCC 5541/5542/5983); the 1% surcharge waiver survives on ₹400–₹4,000 transactions, capped at ₹400 a statement cycle |
| Kotak Zen Signature Kotak Mahindra Bank | earns nothing | — | Zero Zen Points w.e.f. 1 Jun 2025 — MCC 5172, 5541, 5542 and 5983. Kotak also charges 1% on cumulative fuel spend past ₹35,000 a statement cycle, so fuel here costs money and earns nothing |
| Kotak White Reserve Kotak Mahindra Bank | earns nothing | — | No per-swipe points; 1% fuel surcharge waiver ₹400–₹7,500, cap ₹4,500/yr (KFS) |
| RBL Bank Patanjali Swarn RBL Bank / Patanjali | earns nothing | — | No points — "Fuel & Auto" (MCC 0032, 2541, 4001, 5542, 5541, 5172) sits on the T&C's own category/MCC exclusion table; the 1% fuel surcharge waiver is the only fuel benefit |
| TVS Credit RBL Bank RBL Bank / TVS Credit | earns nothing | — | No points — "Fuel & Auto" (MCC 0032, 2541, 4001, 5542, 5541, 5172) sits on the T&C's own category/MCC exclusion table; the 1% fuel surcharge waiver is the only fuel benefit |
| RBL Bank Blockbuster RBL Bank / BookMyShow | earns nothing | — | No points — "Fuel & Auto" (MCC 0032, 2541, 4001, 5542, 5541, 5172) sits on the T&C's own category/MCC exclusion table; the 1% fuel surcharge waiver is the only fuel benefit |
| AU Ananta AU Small Finance Bank | earns nothing | — | Zero RP (bank-wide since 1-Apr-2024); 1% surcharge waiver ₹400–₹5,000, cap ₹200/cycle; 1% fair-usage fee past ₹10k/txn or ₹25k/month w.e.f. 1-Jul-2026 (official KFS) |
| IndusInd Legend IndusInd Bank | earns nothing | — | Zero RP; 1% surcharge waiver; 1% fee on fuel >₹30k/cycle (MITC) |
| PhonePe HDFC Bank Uno HDFC Bank | earns nothing | — | Named in the PhonePe programme's Reward Points exclusion list; a 1% fuel-surcharge waiver applies instead, capped ₹250 a statement cycle |
| Kotak NRI Royale Signature Kotak Mahindra Bank | earns nothing | — | Zero points — MCC 5172, 5541, 5542 and 5983 on Kotak's own register, which names NRI Royale Signature. Kotak also charges 1% past ₹35,000 of cumulative fuel spend a statement cycle. The 1% surcharge waiver on ₹500–₹3,000 transactions, max ₹3,500 a calendar year, survives |
| AU Zenith AU Small Finance Bank | earns nothing | — | Zero RP (bank-wide since 1-Apr-2024); 1% surcharge waiver; 1% fee past slabs |
| SBI Card PRIME SBI Card | earns nothing | — | Zero points — MCC 5172, 5541, 5542 and 5983 |
| Standard Chartered Rewards Standard Chartered | earns nothing | — | Zero reward points — SC's own headline carries the carve-out inline: "4 reward points per INR 150 on all Retail spends (except Government, Insurance and Fuel categories)". What replaces them is a 1% fuel surcharge waiver on transactions between ₹400 and ₹2,000, capped at ₹400 a month, and the shelf tariff adds a 1% charge (min ₹10) on petrol transactions |
| SpiceJet Axis Bank Voyage Axis Bank | earns nothing | — | Zero SC Points; 1% fuel surcharge waiver instead (₹400–₹4,000 txns, max ₹400/month) |
| IndiGo Axis Bank Credit Card Axis Bank | earns nothing | — | "Fuel" in the card's published exclusion list |
| HDFC PIXEL Go HDFC Bank | earns nothing | — | Excluded by MCC (5541, 5542, 5983, 5172, 1361) in the product T&C; a 1% fuel-surcharge waiver applies instead, capped ₹250 a statement cycle |
| IDFC FIRST Wealth IDFC FIRST Bank | earns nothing | — | Zero RP; 1% surcharge waiver (community, CardMaven) |
| SBI Card MILES SBI Card | earns nothing | — | MCC 5172/5541/5542/5983; 1% surcharge waiver ₹500–₹4k txns, cap ~₹250/cycle — community |
| IDFC FIRST Select IDFC FIRST Bank | earns nothing | — | Zero RP; 1% surcharge waiver on ₹200–₹5,000 txns, cap ₹300/cycle; 1% fee past ₹30,000 of fuel a cycle |
| IRCTC SBI Card Premier SBI Card | earns nothing | — | Zero RP; 1% surcharge waiver on ₹500–₹3,000 txns — community |
| IRCTC SBI Platinum Card SBI Card | earns nothing | — | Zero points — MCC 5172, 5541, 5542, 5983; the 1% fuel-surcharge waiver on ₹500–₹3,000 transactions (max ₹100 per statement cycle) is all you get, the smallest cap in SBI's co-brand family |
| IndusInd Pinnacle World IndusInd Bank | earns nothing | — | Zero RP; 1% surcharge waiver; 1% fee on fuel >₹50k/cycle (MITC) |
| RBL Signature Banking RBL Bank | earns nothing | — | No points — "Fuel & Auto" (MCC 0032, 2541, 4001, 5542, 5541, 5172) sits on the T&C's own category/MCC exclusion table; the 1% fuel surcharge waiver is the only fuel benefit |
| RBL Aspire Banking RBL Bank | earns nothing | — | No points — "Fuel & Auto" (MCC 0032, 2541, 4001, 5542, 5541, 5172) sits on the T&C's own category/MCC exclusion table; the 1% fuel surcharge waiver is the only fuel benefit |
| ICICI Sapphiro ICICI Bank | earns nothing | — | Zero RP; 1% HPCL surcharge waiver on txns ≤₹4k (community); waiver only up to ₹50k/month fuel spend |
| Union Bank UNICORN Union Bank of India | earns nothing | — | Zero reward points — the MITC's UNICORN rewards structure names fuel in its exclusion line: "Exclusion of MCC which are not to be counted include: - Jewellery, Fuel, Cash withdrawal, Bitcoin, wallet loading, Alcohol, wine shops, Insurance". The 1% fuel surcharge waiver, capped at ₹100 a month, is what you get instead |
| RBL Apex RBL Bank | earns nothing | — | No points — "Fuel & Auto" (MCC 0032, 2541, 4001, 5542, 5541, 5172) sits on the T&C's own category/MCC exclusion table; the 1% fuel surcharge waiver is the only fuel benefit |
| ICICI Bank Rubyx ICICI Bank | earns nothing | — | Zero RP; 1% surcharge waiver on fuel txns (community) |
| BOBCARD Premier BOBCARD (Bank of Baroda) | earns nothing | — | Zero reward points — §1.1: "Fuel transactions don't accrue/earn any reward points on any BOBCARD except HPCL Energie". The 1% surcharge waiver (₹400–₹5,000, max ₹250 a statement) is what you get, and fuel of ₹10,000+ carries a 1% processing fee |
| IndusInd Celesta IndusInd Bank | earns nothing | — | No Reward Points on fuel from 1-Apr-2018; 1% fee on cumulative fuel above ₹50,000 a statement cycle from 15-Jun-2026 |
| ICICI Bank Emeralde ICICI Bank | earns nothing | — | Zero reward points under the MITC's blanket fuel exclusion; 1% surcharge waiver only |
| Union Bank NEXTERIA Union Bank of India | earns nothing | — | Zero reward points — the MITC's NEXTERIA rewards structure carries its own copy of the exclusion line: "Jewellery, Fuel, Cash withdrawal, Bitcoin, wallet loading, Alcohol, wine shops, Insurance payments". The 1% fuel surcharge waiver, capped at ₹100 a month, replaces the points |
| AU Vetta AU Small Finance Bank | earns nothing | — | Zero RP (bank-wide since 1-Apr-2024); 1% surcharge waiver; 1% fee past slabs (official KFS) |
| IRCTC HDFC Bank Credit Card HDFC Bank / IRCTC | earns nothing | — | Named first in "Reward Points will NOT accrue for the following spend on the card"; a 1% fuel-surcharge waiver applies instead |
| IRCTC RBL Bank Credit Card RBL Bank | earns nothing | — | No points — "Fuel & Auto" (MCC 0032, 2541, 4001, 5542, 5541, 5172) sits on the T&C's own category/MCC exclusion table; the 1% fuel surcharge waiver is the only fuel benefit |
| IRCTC BOBCARD BOBCARD (Bank of Baroda) | earns nothing | — | Zero RP; 1% fuel surcharge waiver ₹500–₹3,000, cap ₹100/statement (official) |
| SBI Card PULSE SBI Card | earns nothing | — | Zero points — MCC 5172, 5541, 5542 and 5983, the only exclusion the card's own booklet spells out |
| Standard Chartered EaseMyTrip Standard Chartered | earns nothing | — | Zero RP; 1% fuel surcharge but no waiver on this card (CardInsider) — community, flag |
| BOBCARD Uni GoldX BOBCARD (Bank of Baroda) | earns nothing | — | Zero Uni Coins; the compensation is a wider-than-shelf 1% fuel surcharge waiver on transactions up to ₹7,500, capped at ₹500 a statement cycle |
| ICICI Bank Coral ICICI Bank | earns nothing | — | Zero reward points — the MITC's blanket "No reward points will be provided for transactions falling under the Fuel category", and Coral is not on the four-card exception list. A 1% surcharge waiver on ₹400–₹4,000 at HPCL pumps is the only relief. |
| YES Bank SELECT YES Bank | earns nothing | — | Zero YES Rewardz Points (MCCs 5172, 5541, 5542, 5983, 9752); a 1% fuel-surcharge waiver applies instead, capped ₹125 a statement cycle — and YES levies its own 1% fee on a fuel transaction above ₹10,000 |
| YES Bank BYOC (Rewards) YES Bank | earns nothing | — | "Not valid on Fuel transactions" (MCCs 5172, 5541, 5542, 5983, 9752); a 1% fuel-surcharge waiver applies instead, capped ₹125 a statement cycle |
| YES Bank Zagg Credit Card YES Bank | earns nothing | — | Zero coins. A 1% fuel-surcharge waiver applies instead on transactions from ₹400 to ₹5,000, capped ₹250 a statement cycle — the most generous cap on the YES shelf below Marquee |
| ICICI Bank Expressions ICICI Bank | earns nothing | — | Zero reward points under the MITC's blanket fuel exclusion; the 1% surcharge waiver on ₹400–₹4,000 at HPCL pumps is the only benefit left |
| ICICI Bank HPCL Super Saver ICICI Bank | earns nothing | — | Earns NO reward points — "Fuel transactions done using the Credit Card" is on the T&C's non-qualifying list. What it earns instead is 4% cashback capped at ₹200 a month, plus a 1% surcharge waiver on ₹400–₹4,000, and both are HPCL-only. |
| Union JCB Wellness Union Bank of India | earns nothing | — | Zero reward points on fuel — the card's rates are quoted for non-fuel spends only. The 1% fuel surcharge waiver, capped at ₹100 a billing cycle, is what replaces them |
| Union JCB Health Union Bank of India | earns nothing | — | Zero reward points on fuel — the card earns 2 RP per ₹100 on non-fuel spends only. The compensation is the shelf-wide 1% fuel surcharge waiver, capped at ₹100 a billing cycle |
| Kotak League Platinum Kotak Mahindra Bank | earns nothing | — | Zero points w.e.f. 1 Jun 2025, and the product page says it twice — "Fuel transactions will not earn reward points". MCC 5172, 5541, 5542 and 5983. Kotak also charges 1% past ₹25,000 of cumulative fuel spend a statement cycle, the tightest fuel-fee threshold in its range. All you keep is the 1% surcharge waiver on ₹500–₹4,000 transactions, max ₹3,500 an anniversary year |
| DBS Vantage DBS Bank India | earns nothing | — | "You shall not earn any Vantage Points for the following – fuel, wallet reload, Duty-Free Stores, or Rent" (published T&C) |
| Federal Bank Celesta Federal Bank | earns nothing | — | Zero RP; 1% fuel surcharge waiver ≤₹5,000 (Federal standard) — community, flag |
| IndusInd Indulge IndusInd Bank | earns nothing | — | No Reward Points on fuel from 1-Apr-2018; 1% fee on cumulative fuel above ₹50,000 a statement cycle from 15-Jun-2026 |
| IndusInd Crest IndusInd Bank | earns nothing | — | No Reward Points on fuel from 1-Apr-2018; 1% fee on cumulative fuel above ₹50,000 a statement cycle from 15-Jun-2026 |
| IndusInd Pioneer Legacy IndusInd Bank | earns nothing | — | No Reward Points on fuel from 1-Apr-2018; 1% fee on cumulative fuel above ₹50,000 a statement cycle from 15-Jun-2026 |
| IndusInd Pioneer Heritage IndusInd Bank | earns nothing | — | Fuel excluded from RP earn (IndusInd standard, community, flag) |
| Axis Bank My Zone Axis Bank | earns nothing | — | No EDGE REWARD Points on fuel, and fuel is excluded from the ₹1,50,000 milestone count; 1% surcharge refunded on ₹400–₹4,000 transactions up to ₹400 a month, and a separate 1% fee above ₹50,000 of fuel a statement cycle |
| Fibe Axis Bank Credit Card Axis Bank | earns nothing | — | Fuel earns no cashback. The 1% surcharge is refunded on ₹400–₹5,000 transactions up to ₹400 a month, and a separate 1% fee lands above ₹50,000 of fuel a cycle |
| Axis Bank ACE Axis Bank | earns nothing | — | No cashback on fuel, stated twice. The 1% surcharge is still refunded on ₹400–₹4,000 transactions up to ₹500 a statement, and a separate 1% fee lands above ₹50,000 of fuel a cycle |
| Axis Bank REWARDS Axis Bank | earns nothing | — | Zero points; a 1% surcharge waiver on transactions between ₹400 and ₹5,000 (capped ₹400 a cycle) is what the card gives back |
| YES Bank Wellness Plus YES Bank | earns nothing | — | "Not applicable on … fuel transactions" (MCCs 5172, 5541, 5542, 5983, 9752); a 1% fuel-surcharge waiver applies instead, capped ₹250 a statement cycle |
| Flipkart Axis Bank Credit Card Axis Bank | earns nothing | — | Excluded MCC category, and stated twice — "No cashback is earned on fuel transactions". The 1% surcharge waiver still applies, and a separate 1% fee lands above ₹50,000 of fuel a statement cycle |
| Axis Bank NEO Axis Bank | earns nothing | — | Zero points, a 1% transaction surcharge, and a further 1% fee once fuel spend passes ₹50,000 in a statement cycle |
| SimplyCLICK SBI Card SBI Card | earns nothing | — | Zero points — offline fuel at petrol pumps and service stations, MCC 5172, 5541, 5542, 5983; the 1% fuel-surcharge waiver on ₹500–₹3,000 transactions (max ₹100 per statement cycle) is all you get |
| AU Zenith+ AU Small Finance Bank | earns nothing | — | Zero RP (official exclusion list); 1% surcharge waiver; 1% fair-usage fee past slabs (official KFS) |
| AU Bank NOMO Credit Card AU Small Finance Bank | earns nothing | — | Zero Reward Points — AU's shelf-wide exclusion, in force since 1-Apr-2024 (MCC 5172, 5541, 5542, 5552, 5983). AU's MITC charges 1% fair-usage on fuel past 50% of the credit limit or ₹50,000 a month, and from 1-Jul-2026 on any single transaction above ₹10,000 |
| RBL Lumière RBL Bank | earns nothing | — | No RP; 1% fuel surcharge waiver — RBL standard, community, flag |
| SBI AURUM SBI Card | earns nothing | — | No reward points on fuel (SBI Card standard; surcharge waiver applies instead — community, flag) |
| HDFC Bank Millennia HDFC Bank | earns nothing | — | "CashPoints shall not be eligible for … Fuel Spends" — a 1% fuel-surcharge waiver applies instead on ₹400–₹5,000 transactions, capped ₹250 a statement cycle |
| HDFC Bank PIXEL Play HDFC Bank | earns nothing | — | Excluded from the 5%, 3% and 1% buckets alike by MCC: 1361, 5172, 5541, 5542, 5983, 9752 |
| HDFC Bank Freedom HDFC Bank | earns nothing | — | Named in the CashPoints table's footnote — "Except Fuel, EMI, Rent payments, Govt Related Transactions and Wallet / Gift / Prepaid Card loads & Voucher Purchase transactions"; a 1% fuel-surcharge waiver applies instead |
| IDFC FIRST Millennia IDFC FIRST Bank | earns nothing | — | "Reward program not applicable on Fuel, EMI transactions and Cash withdrawals". 1% surcharge waiver on ₹200–₹5,000, capped ₹200 a cycle; 1% fee past ₹30,000 of fuel a cycle. |
| IDFC FIRST Classic IDFC FIRST Bank | earns nothing | — | "Reward program not applicable on Fuel, EMI transactions & Cash withdrawals" — the product page's own words. A 1% surcharge waiver on ₹200–₹5,000 transactions, capped at ₹200 a statement cycle, and a 1% FEE once fuel spend passes ₹30,000 a cycle. |
| LIC IDFC FIRST Select IDFC FIRST Bank | earns nothing | — | "Reward points are not applicable on Fuel, Rental, ATM Cash withdrawals, Non-LIC Insurance payments and EMI Transactions." The 1% surcharge waiver, capped ₹300 a cycle, is what is left. |
| Flipkart SBI Card SBI Card | earns nothing | — | 0% cashback — MCC 5172, 5541, 5542 and 5983, plus a blanket "any purchases at petrol pumps/service stations". The 1% fuel-surcharge waiver on transactions up to ₹4,000, capped at ₹400 a statement cycle, is the whole of what this card gives back on fuel |
| IDFC FIRST SWYP IDFC FIRST Bank | earns nothing | — | Named in the milestone exclusion sentence, and the milestone ladder is the entire earn construct — so fuel pays nothing twice over. A 1% surcharge waiver capped at ₹200 a cycle applies, and a 1% fee once fuel spend passes ₹30,000. |
| Titan SBI Card SBI Card | earns nothing | — | Zero points — §11.3(c) names Fuel first. The 1% surcharge waiver is a fee reversal and survives |
| Reliance SBI Card PRIME SBI Card | earns nothing | — | Zero points — MCC 5172, 5541, 5542 and 5983, and §11.4(d) restates it when it defines the base rate as "2 RP on every ₹100 spent on other retail purchases (except Fuel, Wallet upload, and Rent Payment)" |
| Landmark Rewards SBI Card PRIME SBI Card | earns nothing | — | Zero points — §11.4(c) prints the MCCs as "5712, 5541, 5983, and 5542"; 5712 is a typo in SBI's own PDF for the fuel code 5172, which is the number every other SBI booklet uses |
| Apollo SBI Card SELECT SBI Card | earns nothing | — | Zero Health Credits — MCC 5172, 5541, 5542 and 5983 |
| IndusInd Platinum Aura Edge IndusInd Bank | earns nothing | — | "Effective 1st April 2018, fuel transactions will not accrue reward points on your IndusInd Bank Credit Card" — printed on every plan table; 1% fee on cumulative fuel above ₹30,000 a statement cycle from 15-Jun-2026 |
| CASHBACK SBI Card SBI Card | earns nothing | — | Zero cashback on MCC 5172, 5541, 5542 and 5983. The 1% fuel surcharge is still waived on ₹500–₹3,000 transactions, up to ₹100 a statement |
| Axis Bank Cashback Axis Bank | earns nothing | — | Fuel earns nothing, and a 1% fee applies above ₹50,000 of fuel a cycle |
| Axis Bank Freecharge Plus Axis Bank | earns nothing | — | Fuel spends earn nothing, and a 1% fee applies above ₹50,000 of fuel a cycle |
| Axis Bank SuperMoney RuPay Axis Bank | earns nothing | — | Fuel earns nothing. The 1% surcharge waiver survives on ₹400–₹4,000 transactions, posted as 0.989% of the amount, up to ₹400 a statement cycle |
| Paytm HDFC Bank Digital HDFC Bank | earns nothing | — | Fuel spends earn no cashback; the 1% fuel surcharge waiver applies instead |
| Paytm HDFC Bank Mobile HDFC Bank | earns nothing | — | Fuel spends earn nothing |
| Paytm HDFC Bank HDFC Bank | earns nothing | — | No CashBack on fuel spends; the 1% surcharge is waived between ₹400 and ₹5,000, up to ₹250 a statement cycle |
| Kotak UPI RuPay Kotak Mahindra Bank | earns nothing | — | Fuel earns nothing, and carries a 1% fee above ₹25,000 a statement cycle |
| Axis Bank Freecharge Axis Bank | earns nothing | — | No EDGE REWARD Points on fuel; a 1% fee applies above ₹50,000 of fuel a statement cycle |
| Axis Bank Kwik Axis Bank | earns nothing | — | No EDGE REWARD Points on fuel; the 1% surcharge is refunded on ₹400–₹4,000 transactions up to ₹150 a month, and a separate 1% fee applies above ₹50,000 of fuel a statement cycle |
| Axis Bank Pride Platinum Axis Bank | earns nothing | — | No EDGE REWARD Points on fuel; the 1% surcharge is refunded on ₹400–₹4,000 transactions up to ₹250 a statement cycle — a lower cap than the ₹400 most Axis cards carry |
| Axis Bank Pride Signature Axis Bank | earns nothing | — | No EDGE REWARD Points on fuel; the 1% surcharge is refunded on ₹400–₹4,000 transactions up to ₹400 a statement cycle, and a separate 1% fee applies above ₹50,000 of fuel a cycle |
| Axis Bank Titanium Smart Traveller Axis Bank | earns nothing | — | No EDGE REWARD Points on fuel; the 1% surcharge is refunded on ₹400–₹4,000 transactions up to ₹400 a statement cycle |
| HDFC Bank UPI RuPay HDFC Bank | earns nothing | — | Zero CashPoints — "Fuel Spends" heads HDFC's exclusion list and its own worked example spells it out: of ₹15,000 spent, "Fuel & EMI spends won't be rewarded CashPoints" |
| ICICI Bank Platinum Chip Credit Card ICICI Bank | earns nothing | — | Zero reward points — "No reward points will be provided for transactions falling under the Fuel category" (MCC 1361, 3851, 5172, 5541, 5542, 5983, 9752, 5555), and Platinum Chip is not on the MITC's four-card exception list. What is left is a 1% surcharge waiver on fuel transactions of ₹400 to ₹4,000 at HPCL pumps |
| SimplySAVE SBI Card SBI Card | earns nothing | — | Zero points — MCC 5172, 5541, 5542 and 5983 are excluded from the Reward Point programme; the 1% surcharge waiver on ₹500–₹3,000 transactions (max ₹100 a statement cycle) is all fuel gets |
| HDFC Bank MoneyBack+ HDFC Bank | earns nothing | — | Zero points; the 1% surcharge waiver on ₹400–₹5,000 transactions (max ₹250 a statement cycle) is all fuel gets, and a transaction above ₹15,000 carries a 1% fee |
| Landmark Rewards SBI Card SELECT SBI Card | earns nothing | — | Zero points — the booklet names petrol-pump MCC 5712, 5541, 5983 and 5542 |
| Landmark Rewards SBI Card SBI Card | earns nothing | — | Zero points; the 1% surcharge waiver on ₹500–₹3,000 transactions (max ₹100 a statement cycle) is all fuel gets |
| Reliance SBI Card SBI Card | earns nothing | — | Zero points — MCC 5172, 5541, 5542 and 5983; the 1% surcharge waiver on ₹500–₹3,000 (max ₹100 a statement cycle) is all fuel gets |
| Shoppers Stop HDFC Bank HDFC Bank | earns nothing | — | Zero points; the 1% surcharge waiver on ₹400–₹5,000 transactions (max ₹250 a statement cycle) is all fuel gets |
| LIC Axis Bank Platinum Axis Bank | earns nothing | — | Zero points; a 1% fee also applies on cumulative fuel spends of ₹50,000 or more in a statement cycle |
| ICICI Bank Coral against FD ICICI Bank | earns nothing | — | Zero reward points under the MITC's blanket "No reward points will be provided for transactions falling under the Fuel category"; Coral is not on the four-card exception list. A 1% surcharge waiver on ₹400–₹4,000 at HPCL pumps is the only relief. |
| ICICI Bank Rubyx against FD ICICI Bank | earns nothing | — | Zero — the Rubyx membership kit says "No reward points will accrue on fuel transactions", and the MITC's blanket fuel exclusion does not exempt Rubyx |
| IndusInd Platinum IndusInd Bank | earns nothing | — | No reward points on fuel since 1 Apr 2018 across every IndusInd credit card; the 1% fuel surcharge waiver (minimum ₹10) is the only benefit on the category |
| IndusInd Platinum RuPay IndusInd Bank | earns nothing | — | "Fuel transactions will not accrue any reward points"; the 1% fuel surcharge waiver is the only benefit on the category |
| ICICI Bank NRI Coral ICICI Bank | earns nothing | — | Zero reward points — "No reward points will be provided for transactions falling under the Fuel category", whose only exceptions are Parakram, Parakram Select, MakeMyTrip and HPCL Coral (Amex variant). A 1% fee also applies to fuel transactions above ₹10,000 (w.e.f. 15 Nov 2024). The card's own 1% surcharge waiver on ₹400–₹4,000 is the only relief. |
| ICICI Bank NRI Sapphiro ICICI Bank | earns nothing | — | Zero reward points — the MITC's blanket fuel exclusion, whose exceptions are Parakram, Parakram Select, MakeMyTrip and HPCL Coral (Amex) only. A 1% fee applies to fuel transactions above ₹10,000. |
| Swiggy Ornge HDFC Bank Credit Card HDFC Bank | earns nothing | — | Zero cashback (MCC 5172, 5541, 5542, 5983), and HDFC's MITC confirms no fuel surcharge waiver accrues on the Swiggy cards either |
| Swiggy BLCK HDFC Bank Credit Card HDFC Bank | earns nothing | — | Zero cashback (MCC 5172, 5541, 5542, 5983), and HDFC's MITC confirms no fuel surcharge waiver accrues on the Swiggy cards either |
| Utkarsh Eternal Credit Card Utkarsh Small Finance Bank | earns nothing | — | Named outright on Utkarsh's 'List of Ineligible transactions for cashback' — zero cashback. The 1% fuel SURCHARGE waiver still applies, on transactions of ₹400 to ₹5,000 and capped at ₹400 a statement cycle, with GST not refunded |
| Utkarsh Rhodium Credit Card Utkarsh Small Finance Bank | earns nothing | — | Named outright on Utkarsh's 'List of Ineligible transactions for cashback' — zero cashback. The 1% fuel SURCHARGE waiver still applies, on transactions of ₹400 to ₹5,000 and capped at ₹400 a statement cycle, with GST not refunded |
| Utkarsh SmartGen Credit Card Utkarsh Small Finance Bank | earns nothing | — | Named outright on Utkarsh's 'List of Ineligible transactions for cashback' — zero cashback. The 1% fuel SURCHARGE waiver still applies, on transactions of ₹400 to ₹5,000 and capped at ₹400 a statement cycle, with GST not refunded |
| Axis Bank Shoppers Stop Credit Card Axis Bank | earns nothing | — | Zero First Citizen points — the T&C's worked example spends ₹10,000 on fuel and books nothing. What comes back instead is a 1% surcharge waiver on transactions between ₹400 and ₹5,000, capped at ₹400 a statement cycle, and a 1% transaction fee once fuel spend passes ₹50,000 in a cycle. Fuel is not on the waiver-exclusion list, so it still counts toward the ₹1,00,000 |
| RBL Platinum Delight RBL Bank | earns nothing | — | Zero RP — "Fuel & Auto" (MCC 0032, 2541, 4001, 5542, 5541, 5172) is on the earn-exclusion list, and fuel spend is also struck from the ₹2 lakh waiver bar. The waiver of the fuel surcharge — ₹500 to ₹4,000 fills, ₹150 a month maximum — is what fuel is worth on this card |
| RBL Platinum ShopGain RBL Bank | earns nothing | — | Zero RP since 15-Oct-2024 — "Fuel & Auto" (MCC 0032, 2541, 4001, 5542, 5541, 5172) on the page's exclusion table; a fuel surcharge waiver is the only fuel benefit |
| RBL Platinum Max RBL Bank | earns nothing | — | Zero RP since 15-Oct-2024 — "Fuel & Auto" (MCC 0032, 2541, 4001, 5542, 5541, 5172) on the product page's own exclusion table. The fuel surcharge waiver of up to ₹100 a month, on transactions of ₹500–₹4,000, is the only fuel benefit left. RBL also charges 1% on any fuel/auto transaction above ₹10,000, capped at ₹3,000 (MITC) |
| RBL Platinum Prime RBL Bank | earns nothing | — | Zero RP since 15-Oct-2024 — "Fuel & Auto" (MCC 0032, 2541, 4001, 5542, 5541, 5172) on the product page's exclusion table; the ₹100-a-month fuel surcharge waiver (on ₹500–₹4,000 transactions) is what remains |
| RBL Platinum Plus RBL Bank | earns nothing | — | Zero RP — fuel sits in this card's FIRST exclusion footnote, not the Oct-2024 one (MCC 0032, 2541, 4001, 5542, 5541, 5172); the ₹100-a-month surcharge waiver on ₹500–₹4,000 fills is the only fuel benefit |
| RBL Platinum Choice RBL Bank | earns nothing | — | Zero RP — fuel is in this card's first exclusion footnote (MCC 0032, 2541, 4001, 5542, 5541, 5172); a fuel surcharge waiver is what is left. RBL charges 1% on fuel/auto transactions above ₹10,000, capped at ₹3,000 (MITC) |
| RBL Platinum Advantage RBL Bank | earns nothing | — | Zero RP since 15-Oct-2024 — "Fuel & Auto" (MCC 0032, 2541, 4001, 5542, 5541, 5172) on the page's exclusion table; a fuel surcharge waiver is the only fuel benefit |
| RBL Binge RBL Bank | earns nothing | — | Zero RP since 15-Oct-2024 — "Fuel & Auto" (MCC 0032, 2541, 4001, 5542, 5541, 5172); the fuel surcharge waiver is the only fuel benefit. RBL also charges 1% on fuel/auto above ₹10,000, capped at ₹3,000 (MITC) |
| RBL MyFirst RBL Bank | earns nothing | — | Zero RP since 15-Oct-2024 — "Fuel & Auto" (MCC 0032, 2541, 4001, 5542, 5541, 5172); the fuel surcharge waiver is the only fuel benefit |
| RBL EasySaver RBL Bank | earns nothing | — | Zero RP since 15-Oct-2024 — "Fuel & Auto" (MCC 0032, 2541, 4001, 5542, 5541, 5172); the ₹100-a-month fuel surcharge waiver on ₹500–₹4,000 fills is the only fuel benefit |
| RBL Shoprite RBL Bank | earns nothing | — | Zero RP — "Fuel & Auto" (MCC 0032, 2541, 4001, 5542, 5541, 5172) is excluded from earn and from the waiver bar; the fuel surcharge waiver is the only fuel benefit |
| RBL Movies and More RBL Bank | earns nothing | — | Zero RP and zero credit toward either milestone — "Fuel & Auto" (MCC 0032, 2541, 4001, 5542, 5541, 5172). The fuel surcharge waiver, ₹100 a month on ₹500–₹4,000 fills, is the only fuel benefit |
| RBL Patanjali Vishisht RBL Bank | earns nothing | — | Zero RP — "Fuel & Auto" (MCC 0032, 2541, 4001, 5542, 5541, 5172) heads the card's earn-exclusion table. It is conspicuously absent from the milestone list on the same page, which the desk has not been able to resolve either way, so no milestone answer is asserted for fuel |
| RBL Bank SalarySe UP RBL Bank | earns nothing | — | Zero RP and no waiver credit — "Fuel & Auto" (MCC 0032, 2541, 4001, 5542, 5541, 5172) heads the card's own MCC table. RBL charges 1% on fuel/auto transactions above ₹10,000, capped at ₹3,000 (MITC) |
| RBL Bank DMI Finance RBL Bank | earns nothing | — | Zero RP and no milestone credit — "Fuel & Auto" (MCC 0032, 2541, 4001, 5542, 5541, 5172). RBL also charges 1% on fuel/auto transactions above ₹10,000, capped at ₹3,000 (MITC) |
| RBL Paisabazaar Duet RBL Bank | earns nothing | — | No cashback — "Fuel & Auto" (MCC 0032, 2541, 4001, 5542, 5541, 5172) heads the page's ineligible-MCC table. RBL charges 1% on fuel/auto transactions above ₹10,000, capped at ₹3,000 (MITC) |
| RBL Paisabazaar Duet Plus RBL Bank | earns nothing | — | No cashback — "Fuel & Auto" (MCC 0032, 2541, 4001, 5542, 5541, 5172) on the page's ineligible-MCC table; 1% fee on fuel/auto above ₹10,000, capped at ₹3,000 (MITC) |
| RBL BankBazaar SaveMax RBL Bank | earns nothing | — | Zero RP — "Fuel & Auto" (MCC 0032, 2541, 4001, 5542, 5541, 5172) is on the card's original exclusion list, not the October-2024 addition; a fuel surcharge waiver is what remains. RBL charges 1% on fuel/auto above ₹10,000, capped at ₹3,000 (MITC) |
| RBL Cookies RBL Bank | earns nothing | — | Zero benefit since 15-Oct-2024 — "Fuel & Auto" (MCC 0032, 2541, 4001, 5542, 5541, 5172) on the page's exclusion table; a fuel surcharge waiver is what remains |
| Swiggy HDFC Bank Credit Card HDFC Bank | earns nothing | — | Zero cashback — fuel is on HDFC's exclusion list for this card, stated twice on the page ("1% CashBack on other category spends, except for fuel, rent, EMI, wallet, jewellery and Government related transactions") |
| AU LIT Credit Card AU Small Finance Bank | earns nothing | — | Zero RP on base AND on the paid 5X/10X features — AU names Fuel (MCC 5541, 5542, 5172, 5983) and Electric Vehicle Charging (5552) as "0 Reward points" in its own grid. The Fuel Surcharge Waiver is a separately PURCHASED feature on this card: opt in and transactions of ₹400–₹5,000 qualify, to ₹1,500 of waiver per 90-day feature period. AU's MITC also levies 1% fair-usage on fuel past 50% of the credit limit or ₹50,000 a month, and from 1-Jul-2026 on any single fuel transaction above ₹10,000 or aggregate above ₹25,000 a month |
| AU Altura Plus Credit Card AU Small Finance Bank | earns nothing | — | Zero Reward Points — named in AU's exclusion note, and fuel is separately struck from the bonus-points spend calculation ("Fuel transactions and Cash withdrawal are excluded from Bonus Reward Points spends calculation"). 1% fair-usage on fuel past 50% of the limit or ₹50,000 a month, tightening to any transaction above ₹10,000 from 1-Jul-2026 (MITC) |
| AU Altura Credit Card AU Small Finance Bank | earns nothing | — | Zero cashback — "Fuel, Rent, Wallet & Cash transactions are excluded from earning of cashback", AU's own note. AU's MITC also charges 1% fair-usage on fuel past 50% of the credit limit or ₹50,000 a month, and from 1-Jul-2026 on any single fuel transaction above ₹10,000 (MCC 5172, 5541, 5542, 5552, 5983) |
| Standard Chartered Smart Standard Chartered | earns nothing | — | SC states it in one line on the card's own page: "Fuel transactions are not eligible for cashback." No surcharge waiver is published on this card either, unlike the Super Value Titanium's 5% fuel rung |
| Suryoday SFB RuPay Platinum Suryoday Small Finance Bank | earns nothing | — | MCCs 5541, 5542 and 5983 earn no cashback. On top of that the MITC levies a 1% fuel surcharge whose waiver is limited to ₹40,000 of fuel in a calendar month with no single transaction over ₹8,000 — above either limit, no waiver applies at all |
| Suryoday SFB RuPay Select Suryoday Small Finance Bank | earns nothing | — | MCCs 5541, 5542 and 5983 earn no cashback, and the MITC's 1% fuel surcharge is waived only up to ₹40,000 of fuel a calendar month with no single transaction over ₹8,000 |
| DCB PayLess Select Credit Card DCB Bank | earns nothing | — | Excluded from the reward count by MCC 5541, 5542 and 5172 — the same three the 1% fuel-surcharge waiver runs on, capped at ₹100 a statement cycle for transactions up to ₹5,000 |
| DCB PayLess Platinum Credit Card DCB Bank | earns nothing | — | Excluded from the reward count by MCC 5541, 5542 and 5172 — but those are the same three MCCs the 1% fuel-surcharge waiver runs on, capped at ₹100 a statement cycle for transactions up to ₹5,000. Fuel gets the surcharge back and never counts toward the quarterly milestone |
| Paisabazaar Paisa Plus Credit Card SBM Bank (India) | earns nothing | — | Named first in Paisabazaar's exclusion list, "Fuel Spends", and there is no fuel surcharge waiver to compensate |
| Paisabazaar Step-Up SBM Credit Card SBM Bank (India) | earns nothing | — | "Fuel Payment — 5541". The card also carries a fuel surcharge of up to 2% of the transaction amount, which is a charge and not a waiver |
| CUB CSK Master Platinum City Union Bank | earns nothing | — | MCCs 5172, 5541, 5542 and 5983 earn no Reward Points. On top of that the KFS levies a 1% fuel transaction fee once cumulative fuel spend crosses ₹50,000 in a statement cycle, and the 1% fuel surcharge waiver applies only to transactions between ₹400 and ₹5,000, capped at ₹500 of benefit per cycle — the Master band |
| CUB SRH Master Platinum City Union Bank | earns nothing | — | MCCs 5172, 5541, 5542 and 5983 earn nothing, plus a 1% fuel transaction fee above ₹50,000 cumulative in a cycle; the surcharge waiver covers ₹400–₹5,000 transactions to a maximum ₹500 per cycle |
| CUB CSK RuPay Platinum City Union Bank | earns nothing | — | MCCs 5172, 5541, 5542 and 5983 earn nothing, plus a 1% fuel transaction fee above ₹50,000 cumulative in a cycle. The 1% fuel surcharge waiver is the SMALLER band CUB assigns by name to the "Rupay Platinum Lifetime Free" variants — ₹400–₹3,000 transactions only, to a maximum ₹300 per cycle |
| CUB SRH RuPay Platinum City Union Bank | earns nothing | — | MCCs 5172, 5541, 5542 and 5983 earn nothing, plus a 1% fuel transaction fee above ₹50,000 cumulative in a cycle; the surcharge waiver is the smaller Lifetime Free band, ₹400–₹3,000 to a maximum ₹300 per cycle |
| CUB CSK Master World City Union Bank | earns nothing | — | MCCs 5172, 5541, 5542 and 5983 earn no Reward Points. On top of that the KFS levies a 1% fuel transaction fee once cumulative fuel spend crosses ₹50,000 in a statement cycle, and the 1% fuel surcharge waiver applies only to transactions between ₹400 and ₹5,000, capped at ₹500 of benefit per cycle |
| CUB SRH Master World City Union Bank | earns nothing | — | MCCs 5172, 5541, 5542 and 5983 earn nothing, plus a 1% fuel transaction fee above ₹50,000 cumulative in a cycle; the surcharge waiver covers ₹400–₹5,000 transactions to a maximum ₹500 per cycle |
| RBL Bank Shoppers Stop Black RBL Bank | earns nothing | — | Zero Reward Points AND no milestone credit (MCC 0032, 2541, 4001, 5542, 5541, 5172). RBL's Schedule of Charges adds a 1% fee on any fuel or auto transaction above ₹10,000, capped ₹3,000 |
| RBL Bank Shoppers Stop Platinum RBL Bank | earns nothing | — | Zero Reward Points AND no milestone credit (MCC 0032, 2541, 4001, 5542, 5541, 5172), plus a 1% fee on fuel or auto transactions above ₹10,000, capped ₹3,000 |
| RBL Bank Shoppers Stop Gold RBL Bank | earns nothing | — | Zero Reward Points AND no milestone credit (MCC 0032, 2541, 4001, 5542, 5541, 5172), plus a 1% fee on fuel or auto transactions above ₹10,000, capped ₹3,000 |
| Amex Platinum Travel American Express | earns nothing | — | Zero MR since 12-Jun-2025 (was 1/₹50 before); HPCL 0% fee <₹5k / 1% above; other OMCs 1–2.5% convenience fee |
| Amex Membership Rewards Card American Express | earns nothing | — | Zero MR since 12-Jun-2025; OMC convenience fees apply |
| Amex Platinum Reserve American Express | earns nothing | — | Official: no MR on fuel; 0% HPCL convenience fee <₹5k, 1% ≥₹5k |
| Scapia (BOBCARD) BOBCARD (Bank of Baroda) | earns nothing | — | Zero coins; 1% surcharge waiver on small txns; 1% fee past ₹50k/month fuel spend |
| Amex Gold Charge American Express | earns nothing | — | Zero MR effective 12-Jun-2025 (was 1/₹50 capped 5k/month); OMC convenience fees apply |
| RBL World Plus RBL Bank | earns nothing | — | No points — "Fuel & Auto" (MCC 0032, 2541, 4001, 5542, 5541, 5172) sits on the product page's two stacked exclusion footnotes; the 1% fuel surcharge waiver is the only fuel benefit |
| RBL World Prime RBL Bank | earns nothing | — | No points — "Fuel & Auto" (MCC 0032, 2541, 4001, 5542, 5541, 5172) sits on the product page's two stacked exclusion footnotes; the 1% fuel surcharge waiver is the only fuel benefit |
| RBL World Max RBL Bank | earns nothing | — | No points — "Fuel & Auto" (MCC 0032, 2541, 4001, 5542, 5541, 5172) sits on the product page's two stacked exclusion footnotes; the 1% fuel surcharge waiver is the only fuel benefit |
| OneCard Metal OneCard (issued via partner banks) | earns nothing | — | Fuel earns nothing (surcharge only) — community, flag |
| Flipkart Axis Bank Super Elite Axis Bank | earns nothing | — | Zero SuperCoins; 1% fuel surcharge waiver instead (₹400–₹5,000 txns) |
| Paytm SBI Card SELECT SBI Card | earns nothing | — | Zero points — MCC 5172, 5541, 5542 and 5983, named in clause 6 and again in the MCC table |
| PhonePe SBI Card SELECT BLACK SBI Card | earns nothing | — | Zero points — MCC 5172, 5541, 5542 and 5983 |
| Paytm SBI Card SBI Card | earns nothing | — | Zero points — MCC 5172, 5541, 5542 and 5983; clause 5 names fuel spends and the General Conditions table repeats the codes |
| KVB SBI Signature Card SBI Card | earns nothing | — | Zero points — purchases at petrol pumps and service stations, MCC 5172, 5541, 5542 and 5983 |
| KVB SBI Platinum Card SBI Card | earns nothing | — | Zero points — purchases at petrol pumps and service stations, MCC 5172, 5541, 5542 and 5983 |
| South Indian Bank SBI Platinum Card SBI Card | earns nothing | — | Zero points — purchases at petrol pumps and service stations, MCC 5172, 5541, 5542 and 5983 |
| Apollo SBI Card SBI Card | earns nothing | — | The base rate is worded "1 Reward point per `200 spent on others spends" against "other non-fuel retail purchases", so fuel is outside the programme; the 1% surcharge is waived up to ₹100 a month |
| Shaurya SBI Card SBI Card | earns nothing | — | "Fuel Transactions are not included in the Reward Point program (Fuel MCCs Excluded: 5172, 5541, 5542, 5983)"; the 1% surcharge is waived between ₹500 and ₹3,000, up to ₹100 a statement cycle |
| Shaurya Select SBI Card SBI Card | earns nothing | — | Zero points; the 1% surcharge waiver on ₹500–₹4,000 transactions (max ₹250 a statement cycle) is all fuel gets |
| PhonePe SBI Card PURPLE SBI Card | earns nothing | — | Zero points — MCC 5172, 5541, 5542, 5983; the 1% surcharge waiver on ₹500–₹3,000 (max ₹100 a statement cycle) is all fuel gets |
| SBI Card Unnati SBI Card | earns nothing | — | Zero points — MCC 5172, 5541, 5542 and 5983; the 1% surcharge waiver on ₹500–₹3,000 (max ₹100 a statement cycle) is all fuel gets |
| Axis Atlas Axis Bank | earns nothing | — | Zero EDGE Miles since 20-Apr-2024 (MCC 5541/5542/5983 pre-Jun-2025); NO fuel surcharge waiver on Atlas at all |
| YES First Preferred YES Bank | earns nothing | — | Zero Reward Points (MCCs 5172, 5541, 5542, 5983, 9752); 1% fuel-surcharge waiver instead, capped ₹250 a statement cycle |
| RBL Bank Black RBL Bank / MWYN Tech (MoneyTap) | earns nothing | — | No points — "Fuel & Auto" (MCC 0032, 2541, 4001, 5542, 5541, 5172) sits on the T&C's own category/MCC exclusion table; the 1% fuel surcharge waiver is the only fuel benefit |
| MakeMyTrip ICICI Bank Signature ICICI Bank | earns nothing | — | Zero myCash under the MITC's blanket fuel exclusion — the four-card exception list names the MakeMyTrip ICICI Bank Credit Card, not the Signature variant |
| Kotak Royale Signature Kotak Mahindra Bank | earns nothing | — | Zero points w.e.f. 1 Jun 2025 — MCC 5172, 5541, 5542 and 5983, plus 1% on cumulative fuel spend past ₹35,000 a statement cycle |
| Kotak Privy League Signature Kotak Mahindra Bank | earns nothing | — | Zero RP; 1% surcharge waiver (Kotak standard, community) |
| Kotak Mojo Platinum Kotak Mahindra Bank | earns nothing | — | Zero points w.e.f. 1 Jun 2025 — MCC 5172, 5541, 5542 and 5983, plus 1% on cumulative fuel spend past ₹35,000 a statement cycle |
| Emirates Skywards ICICI Bank Rubyx ICICI Bank | earns nothing | — | Zero Miles under the MITC's blanket fuel exclusion; 1% surcharge waiver only |
| Chennai Super Kings ICICI Bank ICICI Bank | earns nothing | — | "Fuel transactions done using the Credit Card" are named in the card T&C's list of non-qualifying spends; a 1% surcharge waiver at HPCL pumps applies instead |
| Air India SBI Signature Card SBI Card | earns nothing | — | Zero points — MCC 5172, 5541, 5542 and 5983. The clause above the list says it twice, naming "Petrol spends" alongside cash withdrawals, balance transfers and Flexipay |
| Air India SBI Platinum Card SBI Card | earns nothing | — | Zero points — MCC 5172, 5541, 5542, 5983 in the T&C's exclusion list; the 1% fuel-surcharge waiver on ₹500–₹4,000 transactions (max ₹250 per statement cycle) is all you get |
| HDFC Regalia HDFC Bank | earns nothing | — | Zero RP; 1% surcharge waiver — Regalia sits in the ₹3L/annum waiver tier (official fees PDF) |
| HDFC Regalia Activ HDFC Bank | earns nothing | — | "Reward points will not be accrued for fuel transactions" — clause 2 |
| IndusInd Iconia Amex IndusInd Bank | earns nothing | — | No Reward Points on fuel from 1-Apr-2018; the MITC's 15-Jun-2026 fuel-fee thresholds name Iconia Visa and not the Amex variant |
| Axis Bank Signature Axis Bank | earns nothing | — | Zero — the value chart's own footnote reads "No reward points are earned on fuel transactions". A 1% surcharge refund on transactions between ₹400 and ₹4,000 applies instead, and the GST on the surcharge is not refunded |
| Myntra Kotak Kotak Mahindra Bank | earns nothing | — | No cashback on either leg. A 1% fuel SURCHARGE waiver still applied on transactions of ₹500–₹3,000, capped at ₹3,500 an anniversary year |
| RBL Bank novio RBL Bank | earns nothing | — | No Reward Points — MCC 0032, 2541, 4001, 5542, 5541 and 5172, filed by RBL under "Fuel & Auto" |
| RBL vCard RBL Bank | earns nothing | — | No Reward Points — MCC 9752, 5541, 5983, 5172 and 5542. A 1% fuel SURCHARGE waiver of up to ₹100 a month still applies on transactions of ₹500–₹4,000 |
| IndiGo Kotak Premium Credit Card Kotak Mahindra Bank | n/a | — | Kotak publishes no fuel-surcharge waiver for this card and does not list fuel as an exclusion — treatment not published |
| IndiGo Kotak Credit Card Kotak Mahindra Bank | n/a | — | No fuel-surcharge waiver published; fuel is not on the exclusion list either — treatment not published |
| Shoppers Stop Black HDFC Bank HDFC Bank | n/a | — | No earn rule published; the card carries a 1% fuel-surcharge waiver capped at ₹500 a statement cycle instead |
| HDFC Harley-Davidson Diners Club HDFC Bank | n/a | — | HDFC publishes no earn rule for fuel on this card; the fuel-surcharge waiver line is absent from the page too, and a 1% fee applies to any fuel transaction above ₹15,000 (MITC v4.5) |
Best fuel credit cards in India (2026)
The desk's call for the category — a different question from the podium above. The podium ranks what ₹100 of fuel returns on a swipe today; this board ranks on ₹/yr at ₹8,000/mo of fuel . Same data, two views, and each says its own question.
Which is the best credit card for fuel in India?
IndianOil RBL Bank XTRA Credit Card, and by a distance: ₹8,160 a year at ₹8,000 a month of fuel (₹96,000 a year), which is one car — 7.50% in rewards plus the 1% surcharge waiver. The rate is IndianOil-only and bounded — IndianOil fuel stations (15X) · 15 Fuel Points per ₹100 ≈ 7.5% at ₹0.50 · capped at 2,000… — and at ₹8,000 a month that bound does not bind. THOSE TWO NUMBERS ARE NOT THE SAME NUMBER, and every fuel ad adds them for you: 277 of the 306 whose fuel earn we can price earn ZERO points at a pump, against 29 that earn anything — while the waiver is a refund of the pump's own levy, not a reward, and 194 cards carry one.
Two facts get sold as one at every petrol pump in India: almost no card earns rewards on fuel (277 of 306 earn exactly zero), and almost every card refunds the 1% surcharge, which is not a reward. Priced apart, at ₹8,000 a month of fuel.
Verified through · The records behind this board — the card records this ranks and the fuel rules on our fine-print desk — carry re-verification dates from 1 Jun 2026 to 25 Sept 2026; the board is recomputed from them on every build.
Ranks 1–15 of 200 · ranked by ₹/yr at ₹8,000/mo of fuel
| # | Card | ₹/yr at ₹8,000/mo of fuel | The math |
|---|---|---|---|
| 1 | IndianOil RBL Bank XTRA Credit Card | ₹8,160 | rewards 7.50% at IndianOil pumps (₹7,200/yr — the rate stops at ₹13,333 of fuel a month) · surcharge waiver ₹960/yr — Separately, 1% fuel-surcharge waiver up to ₹200 a month on fills of ₹500–4,000 · ₹1,500/yr |
| 2 | BPCL SBI Card OCTANE | ₹6,960 | rewards 6.25% at BPCL pumps (₹6,000/yr — the rate stops at ₹10,000 of fuel a month) · surcharge waiver ₹960/yr — the waiver itself is a 1% fuel-surcharge waiver at BPCL pumps on POS swipes up to ₹4,000, max ₹100… · ₹1,499/yr |
| 3 | IndianOil RBL Bank Credit Card | ₹5,760 | rewards 5.00% at IndianOil pumps (₹4,800/yr — the rate stops at ₹10,000 of fuel a month) · surcharge waiver ₹960/yr — Separately, 1% fuel-surcharge waiver up to ₹100 a month on fills of ₹500–4,000 · ₹500/yr |
| 4 | IDFC FIRST HPCL Power+ | ₹4,800 | rewards 5.00% at HPCL pumps (₹4,800/yr — the rate stops at ₹12,000 of fuel a month) · surcharge waiver not priced · ₹499/yr |
| 5 | IndianOil Axis Bank Premium | ₹4,800 | rewards 4.00% at IndianOil pumps (₹3,840/yr — the rate stops at ₹15,000 of fuel a month) · surcharge waiver ₹960/yr — 1% fuel-surcharge waiver at IOCL outlets, uncapped, GST non-refundable · ₹1,000/yr |
| 6 | IndianOil Kotak Credit Card | ₹4,560 | rewards 4.00% at IndianOil pumps (₹3,600/yr — the rate stops at ₹7,500 of fuel a month, which ₹8,000 walks past) · surcharge waiver ₹960/yr — a 1% fuel-surcharge waiver on transactions of ₹100–₹5,000, capped at ₹100 a statement cycle, and wo… · ₹449/yr |
| 7 | HPCL ENERGIE BOBCARD | ₹3,960 | rewards 4.00% at HPCL pumps (₹3,000/yr — the rate stops at ₹6,250 of fuel a month, which ₹8,000 walks past) · surcharge waiver ₹960/yr — a 1% fuel-surcharge waiver at HPCL stations on ₹400–₹5,000, max ₹100 a statement · ₹499/yr |
| 8 | Kotak Cashback+ | ₹3,210 | rewards 3.00% at the pump (₹2,250/yr — the rate stops at ₹6,250 of fuel a month, which ₹8,000 walks past) · surcharge waiver ₹960/yr — Shares the 750-point bucket, and the 1% surcharge waiver sits on top for ₹500–₹4,000 transactions u… · ₹750/yr |
| 9 | Kotak Cashback+ Prime | ₹3,210 | rewards 3.00% at the pump (₹2,250/yr — the rate stops at ₹6,250 of fuel a month, which ₹8,000 walks past) · surcharge waiver ₹960/yr — 3% on fuel at any station, in the shared bucket, with the 1% surcharge waiver on ₹500–₹4,000 transa… · ₹750/yr |
| 10 | Union UNI-CARBON | ₹2,760 | rewards 4.00% at HPCL pumps (₹1,800/yr — the rate stops at ₹3,750 of fuel a month, which ₹8,000 walks past) · surcharge waiver ₹960/yr — Paying through the HP Pay app adds a 1% fuel surcharge waiver and 1.5% as 6 HP loyalty points into… · ₹499 joining, then ₹550/yr |
| 11 | IndianOil HDFC Bank Credit Card | ₹2,688 | rewards 4.80% at IndianOil pumps (₹1,728/yr — the rate stops at ₹3,000 of fuel a month, which ₹8,000 walks past) · surcharge waiver ₹960/yr — Separately, a 1% fuel-surcharge waiver applies on transactions of ₹400–₹5,000, capped at ₹250 a sta… · ₹500/yr |
| 12 | Standard Chartered Super Value Titanium | ₹2,400 | rewards 5.00% at the pump (₹2,400/yr — the rate stops at ₹4,000 of fuel a month, which ₹8,000 walks past) · surcharge waiver not priced — SC discontinued the 1% fuel surcharge waiver on 25 August 2024 and raised the cashback from 4% to 5… · ₹750/yr |
| 13 | ICICI Bank HPCL Coral Credit Card | ₹2,160 | rewards 2.50% at HPCL pumps (₹1,200/yr — the rate stops at ₹4,000 of fuel a month, which ₹8,000 walks past) · surcharge waiver ₹960/yr — plus a 1% surcharge waiver on ₹400–₹4,000 transactions, which is where ICICI's headline "up to 3.5%… · ₹199/yr |
| 14 | MakeMyTrip ICICI Bank | ₹1,920 | rewards 1.00% at the pump (₹960/yr) · surcharge waiver ₹960/yr — A 1% surcharge waiver on fuel txns applies on top · ₹999/yr |
| 15 | ICICI Bank Parakram Select | ₹1,440 | rewards 0.50% at the pump (₹480/yr) · surcharge waiver ₹960/yr — A 1% surcharge waiver applies on ₹400–₹4,000, capped at ₹250 a month. · ₹0 — lifetime free |
the other 185 — ranks 16 to 200
| # | Card | ₹/yr at ₹8,000/mo of fuel | The math |
|---|---|---|---|
| 16 | ICICI Bank Parakram | ₹1,200 | rewards 0.25% at the pump (₹240/yr) · surcharge waiver ₹960/yr — A 1% surcharge waiver applies on top. · ₹0 — lifetime free |
| 17 | Kotak811 Dream Different | ₹1,200 | rewards 0.25% at the pump (₹240/yr) · surcharge waiver ₹960/yr — a 1% fee applies on cumulative fuel spends above ₹25,000 a statement cycle, and the 1% surcharge wa… · ₹0/yr · ₹424 joining (one-time) |
| 18 | IndusInd Tiger | ₹960 | rewards nothing at the pump (₹0/yr) · surcharge waiver ₹960/yr — 1% surcharge waiver on ₹400–₹4,000 txns (official MITC) · ₹0 — lifetime free |
| 19 | Scapia (Federal Bank) | ₹960 | rewards nothing at the pump (₹0/yr) · surcharge waiver ₹960/yr — 1% surcharge waiver ≤₹5,000 txns (waiver cap ₹500/month, official KFS) · ₹0 — lifetime free |
| 20 | ixigo AU | ₹960 | rewards nothing at the pump (₹0/yr) · surcharge waiver ₹960/yr — 1% fuel surcharge waiver · ₹0 — lifetime free |
| 21 | IDBI Bank LIC Eclat Select | ₹960 | rewards nothing at the pump (₹0/yr) · surcharge waiver ₹960/yr — What you get instead is a 1% fuel surcharge refund on transactions between ₹400 and ₹5,000, capped… · ₹0 — lifetime free |
| 22 | IDBI Bank Royale Signature | ₹960 | rewards nothing at the pump (₹0/yr) · surcharge waiver ₹960/yr — What you get instead is a 1% fuel surcharge refund on transactions between ₹400 and ₹5,000, capped… · ₹0 — lifetime free |
| 23 | IDFC FIRST WOW! | ₹960 | rewards nothing at the pump (₹0/yr) · surcharge waiver ₹960/yr — 1% surcharge waiver on ₹200–₹5,000 txns, cap ₹200/cycle (the lowest cap IDFC publishes) · ₹0 — lifetime free |
| 24 | Kotak Solitaire | ₹960 | rewards nothing at the pump (₹0/yr) · surcharge waiver ₹960/yr — 1% surcharge waiver on txns ₹400–₹7,500, capped ₹10,000/anniversary year · ₹0 joining, then ₹25,000/yr |
| 25 | Standard Chartered Rewards | ₹960 | rewards nothing at the pump (₹0/yr) · surcharge waiver ₹960/yr — What replaces them is a 1% fuel surcharge waiver on transactions between ₹400 and ₹2,000, capped at… · ₹0 joining, then ₹1,000/yr |
| 26 | IDFC FIRST Wealth | ₹960 | rewards nothing at the pump (₹0/yr) · surcharge waiver ₹960/yr — 1% surcharge waiver (community, CardMaven) · ₹0 — lifetime free |
| 27 | IDFC FIRST Select | ₹960 | rewards nothing at the pump (₹0/yr) · surcharge waiver ₹960/yr — 1% surcharge waiver on ₹200–₹5,000 txns, cap ₹300/cycle · ₹0 — lifetime free |
| 28 | BOBCARD Uni GoldX | ₹960 | rewards nothing at the pump (₹0/yr) · surcharge waiver ₹960/yr — the compensation is a wider-than-shelf 1% fuel surcharge waiver on transactions up to ₹7,500, cappe… · ₹0 — lifetime free |
| 29 | YES Bank Zagg Credit Card | ₹960 | rewards nothing at the pump (₹0/yr) · surcharge waiver ₹960/yr — A 1% fuel-surcharge waiver applies instead on transactions from ₹400 to ₹5,000, capped ₹250 a state… · ₹0 — lifetime free |
| 30 | Federal Bank Celesta | ₹960 | rewards nothing at the pump (₹0/yr) · surcharge waiver ₹960/yr — 1% fuel surcharge waiver ≤₹5,000 (Federal standard) · ₹0 — lifetime free · the desk's own rule here is flagged unverified — ranked, not crowned |
| 31 | Fibe Axis Bank Credit Card | ₹960 | rewards nothing at the pump (₹0/yr) · surcharge waiver ₹960/yr — The 1% surcharge is refunded on ₹400–₹5,000 transactions up to ₹400 a month, and a separate 1% fee… · ₹0 — lifetime free |
| 32 | IDFC FIRST Millennia | ₹960 | rewards nothing at the pump (₹0/yr) · surcharge waiver ₹960/yr — 1% surcharge waiver on ₹200–₹5,000, capped ₹200 a cycle · ₹0 — lifetime free |
| 33 | IDFC FIRST Classic | ₹960 | rewards nothing at the pump (₹0/yr) · surcharge waiver ₹960/yr — A 1% surcharge waiver on ₹200–₹5,000 transactions, capped at ₹200 a statement cycle, and a 1% FEE o… · ₹0 — lifetime free |
| 34 | LIC IDFC FIRST Select | ₹960 | rewards nothing at the pump (₹0/yr) · surcharge waiver ₹960/yr — "Reward points are not applicable on Fuel, Rental, ATM Cash withdrawals, Non-LIC Insurance payments… · ₹0 — lifetime free |
| 35 | Axis Bank SuperMoney RuPay | ₹960 | rewards nothing at the pump (₹0/yr) · surcharge waiver ₹960/yr — The 1% surcharge waiver survives on ₹400–₹4,000 transactions, posted as 0.989% of the amount, up to… · ₹0 — lifetime free |
| 36 | ICICI Bank Platinum Chip Credit Card | ₹960 | rewards nothing at the pump (₹0/yr) · surcharge waiver ₹960/yr — What is left is a 1% surcharge waiver on fuel transactions of ₹400 to ₹4,000 at HPCL pumps · ₹0 — lifetime free |
| 37 | IndusInd Platinum | ₹960 | rewards nothing at the pump (₹0/yr) · surcharge waiver ₹960/yr — the 1% fuel surcharge waiver (minimum ₹10) is the only benefit on the category · ₹0 — lifetime free |
| 38 | Suryoday SFB RuPay Platinum | ₹960 | rewards nothing at the pump (₹0/yr) · surcharge waiver ₹960/yr — On top of that the MITC levies a 1% fuel surcharge whose waiver is limited to ₹40,000 of fuel in a… · ₹0 joining, then ₹150/yr |
| 39 | Suryoday SFB RuPay Select | ₹960 | rewards nothing at the pump (₹0/yr) · surcharge waiver ₹960/yr — MCCs 5541, 5542 and 5983 earn no cashback, and the MITC's 1% fuel surcharge is waived only up to ₹4… · ₹0 joining, then ₹150/yr |
| 40 | DCB PayLess Select Credit Card | ₹960 | rewards nothing at the pump (₹0/yr) · surcharge waiver ₹960/yr — the same three the 1% fuel-surcharge waiver runs on, capped at ₹100 a statement cycle for transacti… · ₹0 joining, then ₹1,000/yr |
| 41 | DCB PayLess Platinum Credit Card | ₹960 | rewards nothing at the pump (₹0/yr) · surcharge waiver ₹960/yr — but those are the same three MCCs the 1% fuel-surcharge waiver runs on, capped at ₹100 a statement… · ₹0 joining, then ₹350/yr |
| 42 | CUB CSK RuPay Platinum | ₹960 | rewards nothing at the pump (₹0/yr) · surcharge waiver ₹960/yr — The 1% fuel surcharge waiver is the SMALLER band CUB assigns by name to the "Rupay Platinum Lifetim… · ₹0 — lifetime free |
| 43 | CUB CSK Master World | ₹960 | rewards nothing at the pump (₹0/yr) · surcharge waiver ₹960/yr — On top of that the KFS levies a 1% fuel transaction fee once cumulative fuel spend crosses ₹50,000… · ₹0 joining, then ₹4,000/yr |
| 44 | Paytm HDFC Bank Digital | ₹960 | rewards nothing at the pump (₹0/yr) · surcharge waiver ₹960/yr — the 1% fuel surcharge waiver applies instead · ₹149/yr |
| 45 | HDFC PIXEL Go | ₹960 | rewards nothing at the pump (₹0/yr) · surcharge waiver ₹960/yr — a 1% fuel-surcharge waiver applies instead, capped ₹250 a statement cycle · ₹250/yr |
| 46 | Shoppers Stop HDFC Bank | ₹960 | rewards nothing at the pump (₹0/yr) · surcharge waiver ₹960/yr — the 1% surcharge waiver on ₹400–₹5,000 transactions (max ₹250 a statement cycle) is all fuel gets · ₹299/yr |
| 47 | Union JCB Health | ₹960 | rewards nothing at the pump (₹0/yr) · surcharge waiver ₹960/yr — The compensation is the shelf-wide 1% fuel surcharge waiver, capped at ₹100 a billing cycle · ₹499/yr |
| 48 | Axis Bank ACE | ₹960 | rewards nothing at the pump (₹0/yr) · surcharge waiver ₹960/yr — The 1% surcharge is still refunded on ₹400–₹4,000 transactions up to ₹500 a statement, and a separa… · ₹499/yr |
| 49 | SimplyCLICK SBI Card | ₹960 | rewards nothing at the pump (₹0/yr) · surcharge waiver ₹960/yr — the 1% fuel-surcharge waiver on ₹500–₹3,000 transactions (max ₹100 per statement cycle) is all you… · ₹499/yr |
| 50 | SimplySAVE SBI Card | ₹960 | rewards nothing at the pump (₹0/yr) · surcharge waiver ₹960/yr — the 1% surcharge waiver on ₹500–₹3,000 transactions (max ₹100 a statement cycle) is all fuel gets · ₹499/yr |
| 51 | Reliance SBI Card | ₹960 | rewards nothing at the pump (₹0/yr) · surcharge waiver ₹960/yr — the 1% surcharge waiver on ₹500–₹3,000 (max ₹100 a statement cycle) is all fuel gets · ₹499/yr |
| 52 | IRCTC SBI Platinum Card | ₹960 | rewards nothing at the pump (₹0/yr) · surcharge waiver ₹960/yr — the 1% fuel-surcharge waiver on ₹500–₹3,000 transactions (max ₹100 per statement cycle) is all you… · ₹500/yr |
| 53 | IRCTC HDFC Bank Credit Card | ₹960 | rewards nothing at the pump (₹0/yr) · surcharge waiver ₹960/yr — a 1% fuel-surcharge waiver applies instead · ₹500/yr |
| 54 | IRCTC RBL Bank Credit Card | ₹960 | rewards nothing at the pump (₹0/yr) · surcharge waiver ₹960/yr — the 1% fuel surcharge waiver is the only fuel benefit · ₹500/yr |
| 55 | Flipkart SBI Card | ₹960 | rewards nothing at the pump (₹0/yr) · surcharge waiver ₹960/yr — The 1% fuel-surcharge waiver on transactions up to ₹4,000, capped at ₹400 a statement cycle, is the… · ₹500/yr |
| 56 | Axis Bank Pride Signature | ₹960 | rewards nothing at the pump (₹0/yr) · surcharge waiver ₹960/yr — the 1% surcharge is refunded on ₹400–₹4,000 transactions up to ₹400 a statement cycle, and a separa… · ₹500/yr |
| 57 | HDFC Bank MoneyBack+ | ₹960 | rewards nothing at the pump (₹0/yr) · surcharge waiver ₹960/yr — the 1% surcharge waiver on ₹400–₹5,000 transactions (max ₹250 a statement cycle) is all fuel gets,… · ₹500/yr |
| 58 | Axis Bank Shoppers Stop Credit Card | ₹960 | rewards nothing at the pump (₹0/yr) · surcharge waiver ₹960/yr — What comes back instead is a 1% surcharge waiver on transactions between ₹400 and ₹5,000, capped at… · ₹500/yr |
| 59 | IDFC FIRST WOW! Black | ₹960 | rewards nothing at the pump (₹0/yr) · surcharge waiver ₹960/yr — a 1% surcharge waiver capped at ₹200 a month is the whole benefit, and a 1% fee lands once fuel spe… · ₹750/yr |
| 60 | IDBI Bank Winnings | ₹960 | rewards nothing at the pump (₹0/yr) · surcharge waiver ₹960/yr — What you get instead is a 1% fuel surcharge refund on transactions between ₹400 and ₹5,000, capped… · ₹899/yr |
| 61 | Kotak Air | ₹960 | rewards nothing at the pump (₹0/yr) · surcharge waiver ₹960/yr — 1% surcharge waiver on txns ₹500–₹5,000, max ₹3,500/year · ₹999/yr |
| 62 | PhonePe HDFC Bank Ultimo | ₹960 | rewards nothing at the pump (₹0/yr) · surcharge waiver ₹960/yr — a 1% fuel-surcharge waiver applies instead on ₹400–₹5,000 transactions, capped ₹250 a statement cyc… · ₹999/yr |
| 63 | Union JCB Wellness | ₹960 | rewards nothing at the pump (₹0/yr) · surcharge waiver ₹960/yr — The 1% fuel surcharge waiver, capped at ₹100 a billing cycle, is what replaces them · ₹999/yr |
| 64 | CASHBACK SBI Card | ₹960 | rewards nothing at the pump (₹0/yr) · surcharge waiver ₹960/yr — The 1% fuel surcharge is still waived on ₹500–₹3,000 transactions, up to ₹100 a statement · ₹999/yr |
| 65 | HDFC Diners Club Privilege | ₹960 | rewards nothing at the pump (₹0/yr) · surcharge waiver ₹960/yr — 1% surcharge waiver (community: ₹400–₹5k, cap ~₹500/cycle) · ₹1,000/yr |
| 66 | Paytm HDFC Bank Select | ₹960 | rewards nothing at the pump (₹0/yr) · surcharge waiver ₹960/yr — a 1% fuel-surcharge waiver applies instead, min ₹400, max ₹500 a statement cycle · ₹1,000/yr |
| 67 | Kotak NRI Royale Signature | ₹960 | rewards nothing at the pump (₹0/yr) · surcharge waiver ₹960/yr — The 1% surcharge waiver on ₹500–₹3,000 transactions, max ₹3,500 a calendar year, survives · ₹1,000/yr |
| 68 | RBL Apex | ₹960 | rewards nothing at the pump (₹0/yr) · surcharge waiver ₹960/yr — the 1% fuel surcharge waiver is the only fuel benefit · ₹1,000/yr |
| 69 | BOBCARD Premier | ₹960 | rewards nothing at the pump (₹0/yr) · surcharge waiver ₹960/yr — The 1% surcharge waiver (₹400–₹5,000, max ₹250 a statement) is what you get, and fuel of ₹10,000+ c… · ₹1,000/yr |
| 70 | HDFC Bank Millennia | ₹960 | rewards nothing at the pump (₹0/yr) · surcharge waiver ₹960/yr — a 1% fuel-surcharge waiver applies instead on ₹400–₹5,000 transactions, capped ₹250 a statement cyc… · ₹1,000/yr |
| 71 | Tata Neu Infinity HDFC Bank | ₹960 | rewards nothing at the pump (₹0/yr) · surcharge waiver ₹960/yr — 1% surcharge waiver on ₹400–₹5,000 txns (community) · ₹1,499/yr |
| 72 | Tata Neu Infinity SBI Card | ₹960 | rewards nothing at the pump (₹0/yr) · surcharge waiver ₹960/yr — the 1% fuel-surcharge waiver on ₹500–₹4,000 transactions (max ₹500 per statement cycle) is all you… · ₹1,499/yr |
| 73 | IDBI Bank Euphoria World | ₹960 | rewards nothing at the pump (₹0/yr) · surcharge waiver ₹960/yr — What you get instead is a 1% fuel surcharge refund on transactions between ₹400 and ₹5,000, capped… · ₹1,499/yr |
| 74 | IRCTC SBI Card Premier | ₹960 | rewards nothing at the pump (₹0/yr) · surcharge waiver ₹960/yr — 1% surcharge waiver on ₹500–₹3,000 txns · ₹1,499/yr |
| 75 | TVS Credit RBL Bank Gold | ₹960 | rewards nothing at the pump (₹0/yr) · surcharge waiver ₹960/yr — the 1% fuel surcharge waiver is the only fuel benefit · ₹1,500/yr |
| 76 | Union Bank UNICORN | ₹960 | rewards nothing at the pump (₹0/yr) · surcharge waiver ₹960/yr — The 1% fuel surcharge waiver, capped at ₹100 a month, is what you get instead · ₹2,400/yr |
| 77 | BOBCARD Tiara | ₹960 | rewards nothing at the pump (₹0/yr) · surcharge waiver ₹960/yr — You get the 1% surcharge waiver (₹400–₹5,000, max ₹250 a statement) instead, and the KFS adds that… · ₹2,499/yr |
| 78 | HDFC Regalia Gold | ₹960 | rewards nothing at the pump (₹0/yr) · surcharge waiver ₹960/yr — 1% surcharge waiver (community: ₹400–₹5k txns, cap ~₹500/cycle) · ₹2,500/yr |
| 79 | RBL Platinum Maxima Plus | ₹960 | rewards nothing at the pump (₹0/yr) · surcharge waiver ₹960/yr — the 1% fuel surcharge waiver is the only fuel benefit · ₹2,500/yr |
| 80 | IDFC FIRST Ashva | ₹960 | rewards nothing at the pump (₹0/yr) · surcharge waiver ₹960/yr — 1% surcharge waiver on ₹200–₹5,000 txns, cap ₹300/cycle · ₹2,999/yr |
| 81 | SBI Card MILES PRIME | ₹960 | rewards nothing at the pump (₹0/yr) · surcharge waiver ₹960/yr — 1% surcharge waiver ₹500–₹4k txns, cap ~₹250/cycle · ₹2,999/yr |
| 82 | KrisFlyer SBI Card | ₹960 | rewards nothing at the pump (₹0/yr) · surcharge waiver ₹960/yr — 1% fuel surcharge waiver on txns up to ₹3,000 · ₹2,999/yr |
| 83 | Kotak Air+ | ₹960 | rewards nothing at the pump (₹0/yr) · surcharge waiver ₹960/yr — 1% surcharge waiver on txns ₹400–₹7,500, max ₹4,500/year · ₹3,000/yr |
| 84 | IDFC FIRST Diamond Reserve | ₹960 | rewards nothing at the pump (₹0/yr) · surcharge waiver ₹960/yr — a 1% fuel surcharge waiver capped at ₹300 a cycle applies instead · ₹3,000/yr |
| 85 | Axis Horizon | ₹960 | rewards nothing at the pump (₹0/yr) · surcharge waiver ₹960/yr — 1% fuel surcharge waiver on ₹400–₹5,000 txns, waiver cap ₹400/statement month (official · ₹3,000/yr |
| 86 | Axis Bank SELECT | ₹960 | rewards nothing at the pump (₹0/yr) · surcharge waiver ₹960/yr — 1% surcharge waiver ₹400–₹4,000, max ₹400/cycle · ₹3,000/yr |
| 87 | RBL World Safari | ₹960 | rewards nothing at the pump (₹0/yr) · surcharge waiver ₹960/yr — 1% surcharge waiver on ₹500–₹4,000 txns, waiver cap ₹250/month (official page) · ₹3,000/yr |
| 88 | Shoppers Stop Black HDFC Bank | ₹960 | rewards nothing at the pump (₹0/yr) · surcharge waiver ₹960/yr — the card carries a 1% fuel-surcharge waiver capped at ₹500 a statement cycle instead · ₹4,500/yr |
| 89 | HSBC TravelOne | ₹960 | rewards nothing at the pump (₹0/yr) · surcharge waiver ₹960/yr — 1% surcharge waiver ₹400–₹4k, cap ~₹250/cycle · ₹4,999/yr |
| 90 | SBI Card MILES ELITE | ₹960 | rewards nothing at the pump (₹0/yr) · surcharge waiver ₹960/yr — 1% surcharge waiver ₹500–₹4k txns, cap ~₹250/cycle · ₹4,999/yr |
| 91 | BOBCARD Etihad Guest Premium | ₹960 | rewards nothing at the pump (₹0/yr) · surcharge waiver ₹960/yr — 1% fuel-surcharge waiver on transactions of ₹500–₹5,000, capped at ₹250 a statement cycle · ₹5,000/yr |
| 92 | Standard Chartered Ultimate | ₹960 | rewards nothing at the pump (₹0/yr) · surcharge waiver ₹960/yr — 1% surcharge waiver all pumps, cap ₹1,000/month · ₹5,000/yr |
| 93 | Equitas PowerMiles | ₹960 | rewards nothing at the pump (₹0/yr) · surcharge waiver ₹960/yr — 1% surcharge waiver on txns ₹500–₹3,000, capped ₹450/month and ₹5,400/year (MITC table · ₹5,000/yr |
| 94 | IndusInd Legend | ₹960 | rewards nothing at the pump (₹0/yr) · surcharge waiver ₹960/yr — 1% surcharge waiver · ₹0/yr · ₹5,000 joining (one-time) |
| 95 | IDFC FIRST Mayura | ₹960 | rewards nothing at the pump (₹0/yr) · surcharge waiver ₹960/yr — 1% surcharge waiver on ₹200–₹5,000 txns, cap ₹300/cycle · ₹5,999/yr |
| 96 | KrisFlyer SBI Card APEX | ₹960 | rewards nothing at the pump (₹0/yr) · surcharge waiver ₹960/yr — 1% fuel-surcharge waiver on ₹500–₹4,000 transactions, max ₹250 per statement cycle · ₹9,999/yr |
| 97 | YES Bank Marquee | ₹960 | rewards nothing at the pump (₹0/yr) · surcharge waiver ₹960/yr — 1% surcharge waiver on ₹500–₹5,000 txns, cap ₹1,000/cycle (official MITC) · ₹9,999 joining, then ₹4,999/yr |
| 98 | HDFC Diners Club Black Metal | ₹960 | rewards nothing at the pump (₹0/yr) · surcharge waiver ₹960/yr — 1% surcharge waiver (community: ₹400–₹1L txns, cap ~₹1,000/cycle) · ₹10,000/yr |
| 99 | IndusInd Avios Visa Infinite | ₹960 | rewards nothing at the pump (₹0/yr) · surcharge waiver ₹960/yr — 1% surcharge waiver ₹400–4,000, and 1% fee on fuel >₹50k/cycle (MITC) · ₹10,000 joining, then ₹5,000/yr |
| 100 | Emirates Skywards ICICI Bank Emeralde | ₹960 | rewards nothing at the pump (₹0/yr) · surcharge waiver ₹960/yr — 1% surcharge waiver on ₹400–₹4,000 fuel txns · ₹10,000/yr |
| 101 | IndusInd Platinum RuPay | ₹960 | rewards nothing at the pump (₹0/yr) · surcharge waiver ₹960/yr — the 1% fuel surcharge waiver is the only benefit on the category · ₹0/yr · ₹10,000 joining (one-time) |
| 102 | Axis Magnus | ₹960 | rewards nothing at the pump (₹0/yr) · surcharge waiver ₹960/yr — 1% surcharge waiver ₹400–₹4k txns (waiver cap ~₹400/month · ₹12,500/yr |
| 103 | RBL Nova | ₹960 | rewards nothing at the pump (₹0/yr) · surcharge waiver ₹960/yr — 1% fuel surcharge waiver · ₹12,500/yr |
| 104 | Kotak White Reserve | ₹960 | rewards nothing at the pump (₹0/yr) · surcharge waiver ₹960/yr — 1% fuel surcharge waiver ₹400–₹7,500, cap ₹4,500/yr (KFS) · ₹12,500/yr |
| 105 | IndusInd Pinnacle World | ₹960 | rewards nothing at the pump (₹0/yr) · surcharge waiver ₹960/yr — 1% surcharge waiver · ₹0/yr · ₹15,000 joining (one-time) |
| 106 | ICICI Times Black | ₹960 | rewards nothing at the pump (₹0/yr) · surcharge waiver ₹960/yr — 1% fuel surcharge waiver up to ₹1,000/statement cycle · ₹20,000/yr |
| 107 | Axis Bank Reserve | ₹960 | rewards nothing at the pump (₹0/yr) · surcharge waiver ₹960/yr — surcharge waiver 1% ₹400–₹4k (community cap ~₹1,000/month) · ₹50,000/yr |
| 108 | ICICI Bank HPCL Super Saver | ₹3,360 | rewards 4.00% at HPCL pumps (₹2,400/yr — the rate stops at ₹5,000 of fuel a month, which ₹8,000 walks past) · surcharge waiver ₹960/yr — What it earns instead is 4% cashback capped at ₹200 a month, plus a 1% surcharge waiver on ₹400–₹4,… · ₹500/yr · the desk's own verdict is downgrade |
| 109 | IndianOil Axis Bank Credit Card | ₹3,000 | rewards 4.00% at IndianOil pumps (₹2,400/yr — the rate stops at ₹5,000 of fuel a month, which ₹8,000 walks past) · surcharge waiver ₹600/yr — but only on the first ₹5,000 of IOCL fuel a calendar month, and only where the settlement amount fa… · ₹500/yr · the desk's own verdict is downgrade |
| 110 | Unity Bank BharatPe Credit Card | ₹1,920 | rewards 2.00% at the pump (₹1,920/yr) · surcharge waiver not priced — The KFS does charge "Fuel Surcharge · ₹0 — lifetime free · the desk's own verdict is downgrade |
| 111 | Axis Bank Kwik | ₹960 | rewards nothing at the pump (₹0/yr) · surcharge waiver ₹960/yr — the 1% surcharge is refunded on ₹400–₹4,000 transactions up to ₹150 a month, and a separate 1% fee… · ₹0 — lifetime free · the desk's own verdict is downgrade |
| 112 | CUB CSK Master Platinum | ₹960 | rewards nothing at the pump (₹0/yr) · surcharge waiver ₹960/yr — On top of that the KFS levies a 1% fuel transaction fee once cumulative fuel spend crosses ₹50,000… · ₹0 joining, then ₹1,000/yr · the desk's own verdict is downgrade |
| 113 | Axis Bank Pride Platinum | ₹960 | rewards nothing at the pump (₹0/yr) · surcharge waiver ₹960/yr — the 1% surcharge is refunded on ₹400–₹4,000 transactions up to ₹250 a statement cycle · ₹250/yr · the desk's own verdict is downgrade |
| 114 | Axis Bank Titanium Smart Traveller | ₹960 | rewards nothing at the pump (₹0/yr) · surcharge waiver ₹960/yr — the 1% surcharge is refunded on ₹400–₹4,000 transactions up to ₹400 a statement cycle · ₹250 joining, then ₹100/yr · the desk's own verdict is downgrade |
| 115 | PhonePe HDFC Bank Uno | ₹960 | rewards nothing at the pump (₹0/yr) · surcharge waiver ₹960/yr — a 1% fuel-surcharge waiver applies instead, capped ₹250 a statement cycle · ₹499/yr · the desk's own verdict is downgrade |
| 116 | ICICI Bank Expressions | ₹960 | rewards nothing at the pump (₹0/yr) · surcharge waiver ₹960/yr — the 1% surcharge waiver on ₹400–₹4,000 at HPCL pumps is the only benefit left · ₹499/yr · the desk's own verdict is downgrade |
| 117 | Kotak League Platinum | ₹960 | rewards nothing at the pump (₹0/yr) · surcharge waiver ₹960/yr — All you keep is the 1% surcharge waiver on ₹500–₹4,000 transactions, max ₹3,500 an anniversary year · ₹499/yr · the desk's own verdict is downgrade |
| 118 | IDFC FIRST SWYP | ₹960 | rewards nothing at the pump (₹0/yr) · surcharge waiver ₹960/yr — A 1% surcharge waiver capped at ₹200 a cycle applies, and a 1% fee once fuel spend passes ₹30,000. · ₹499/yr · the desk's own verdict is downgrade |
| 119 | Landmark Rewards SBI Card | ₹960 | rewards nothing at the pump (₹0/yr) · surcharge waiver ₹960/yr — the 1% surcharge waiver on ₹500–₹3,000 transactions (max ₹100 a statement cycle) is all fuel gets · ₹499/yr · the desk's own verdict is downgrade |
| 120 | TVS Credit RBL Bank | ₹960 | rewards nothing at the pump (₹0/yr) · surcharge waiver ₹960/yr — the 1% fuel surcharge waiver is the only fuel benefit · ₹500/yr · the desk's own verdict is downgrade |
| 121 | IRCTC BOBCARD | ₹960 | rewards nothing at the pump (₹0/yr) · surcharge waiver ₹960/yr — 1% fuel surcharge waiver ₹500–₹3,000, cap ₹100/statement (official) · ₹500 joining, then ₹350/yr · the desk's own verdict is downgrade |
| 122 | ICICI Bank Coral | ₹960 | rewards nothing at the pump (₹0/yr) · surcharge waiver ₹960/yr — A 1% surcharge waiver on ₹400–₹4,000 at HPCL pumps is the only relief. · ₹500/yr · the desk's own verdict is downgrade |
| 123 | Axis Bank My Zone | ₹960 | rewards nothing at the pump (₹0/yr) · surcharge waiver ₹960/yr — 1% surcharge refunded on ₹400–₹4,000 transactions up to ₹400 a month, and a separate 1% fee above ₹… · ₹500/yr · the desk's own verdict is downgrade |
| 124 | Flipkart Axis Bank Credit Card | ₹960 | rewards nothing at the pump (₹0/yr) · surcharge waiver ₹960/yr — The 1% surcharge waiver still applies, and a separate 1% fee lands above ₹50,000 of fuel a statemen… · ₹500/yr · the desk's own verdict is downgrade |
| 125 | HDFC Bank Freedom | ₹960 | rewards nothing at the pump (₹0/yr) · surcharge waiver ₹960/yr — a 1% fuel-surcharge waiver applies instead · ₹500/yr · the desk's own verdict is downgrade |
| 126 | Paytm HDFC Bank | ₹960 | rewards nothing at the pump (₹0/yr) · surcharge waiver ₹960/yr — the 1% surcharge is waived between ₹400 and ₹5,000, up to ₹250 a statement cycle · ₹500/yr · the desk's own verdict is downgrade |
| 127 | ICICI Bank Coral against FD | ₹960 | rewards nothing at the pump (₹0/yr) · surcharge waiver ₹960/yr — A 1% surcharge waiver on ₹400–₹4,000 at HPCL pumps is the only relief. · ₹500/yr · the desk's own verdict is downgrade |
| 128 | YES Bank BYOC (Rewards) | ₹960 | rewards nothing at the pump (₹0/yr) · surcharge waiver ₹960/yr — a 1% fuel-surcharge waiver applies instead, capped ₹125 a statement cycle · ₹588/yr · the desk's own verdict is downgrade |
| 129 | YES Bank SELECT | ₹960 | rewards nothing at the pump (₹0/yr) · surcharge waiver ₹960/yr — a 1% fuel-surcharge waiver applies instead, capped ₹125 a statement cycle · ₹599/yr · the desk's own verdict is downgrade |
| 130 | Adani One ICICI Bank Platinum | ₹960 | rewards nothing at the pump (₹0/yr) · surcharge waiver ₹960/yr — What survives is a 1% surcharge waiver on fuel spends up to ₹4,000 · ₹750/yr · the desk's own verdict is downgrade |
| 131 | SpiceJet Axis Bank Voyage | ₹960 | rewards nothing at the pump (₹0/yr) · surcharge waiver ₹960/yr — 1% fuel surcharge waiver instead (₹400–₹4,000 txns, max ₹400/month) · ₹750/yr · the desk's own verdict is downgrade |
| 132 | Axis Bank REWARDS | ₹960 | rewards nothing at the pump (₹0/yr) · surcharge waiver ₹960/yr — a 1% surcharge waiver on transactions between ₹400 and ₹5,000 (capped ₹400 a cycle) is what the car… · ₹1,000/yr · the desk's own verdict is downgrade |
| 133 | ICICI Bank NRI Coral | ₹960 | rewards nothing at the pump (₹0/yr) · surcharge waiver ₹960/yr — The card's own 1% surcharge waiver on ₹400–₹4,000 is the only relief. · ₹1,000 joining, then ₹500/yr · the desk's own verdict is downgrade |
| 134 | IndiGo SBI Card | ₹960 | rewards nothing at the pump (₹0/yr) · surcharge waiver ₹960/yr — 1% fuel surcharge waiver on txns ₹500–₹4,000 · ₹1,499/yr · the desk's own verdict is downgrade |
| 135 | RBL Bank Patanjali Swarn | ₹960 | rewards nothing at the pump (₹0/yr) · surcharge waiver ₹960/yr — the 1% fuel surcharge waiver is the only fuel benefit · ₹1,499/yr · the desk's own verdict is downgrade |
| 136 | SBI Card MILES | ₹960 | rewards nothing at the pump (₹0/yr) · surcharge waiver ₹960/yr — 1% surcharge waiver ₹500–₹4k txns, cap ~₹250/cycle · ₹1,499/yr · the desk's own verdict is downgrade |
| 137 | YES Bank Wellness Plus | ₹960 | rewards nothing at the pump (₹0/yr) · surcharge waiver ₹960/yr — a 1% fuel-surcharge waiver applies instead, capped ₹250 a statement cycle · ₹1,499/yr · the desk's own verdict is downgrade |
| 138 | Axis Bank Privilege | ₹960 | rewards nothing at the pump (₹0/yr) · surcharge waiver ₹960/yr — the 1% surcharge waiver survives on ₹400–₹4,000 transactions, capped at ₹400 a statement cycle · ₹1,500/yr · the desk's own verdict is downgrade |
| 139 | RBL Platinum Edge | ₹960 | rewards nothing at the pump (₹0/yr) · surcharge waiver ₹960/yr — the 1% fuel surcharge waiver is the only fuel benefit · ₹1,999/yr · the desk's own verdict is downgrade |
| 140 | SpiceJet Axis Bank Voyage Black | ₹960 | rewards nothing at the pump (₹0/yr) · surcharge waiver ₹960/yr — 1% fuel surcharge waiver instead (₹400–₹4,000 txns, max ₹400/month) · ₹2,000/yr · the desk's own verdict is downgrade |
| 141 | AU Ananta | ₹960 | rewards nothing at the pump (₹0/yr) · surcharge waiver ₹960/yr — 1% surcharge waiver ₹400–₹5,000, cap ₹200/cycle · ₹2,000/yr · the desk's own verdict is cancel |
| 142 | YES Bank RESERV | ₹960 | rewards nothing at the pump (₹0/yr) · surcharge waiver ₹960/yr — 1% surcharge waiver (YES standard) · ₹2,499/yr · the desk's own verdict is downgrade · the desk's own rule here is flagged unverified — ranked, not crowned |
| 143 | AU Vetta | ₹960 | rewards nothing at the pump (₹0/yr) · surcharge waiver ₹960/yr — 1% surcharge waiver · ₹2,999/yr · the desk's own verdict is cancel |
| 144 | Titan SBI Card | ₹960 | rewards nothing at the pump (₹0/yr) · surcharge waiver ₹960/yr — The 1% surcharge waiver is a fee reversal and survives · ₹2,999/yr · the desk's own verdict is downgrade |
| 145 | RBL Bank Blockbuster | ₹960 | rewards nothing at the pump (₹0/yr) · surcharge waiver ₹960/yr — the 1% fuel surcharge waiver is the only fuel benefit · ₹3,000/yr · the desk's own verdict is downgrade |
| 146 | ICICI Bank Rubyx | ₹960 | rewards nothing at the pump (₹0/yr) · surcharge waiver ₹960/yr — 1% surcharge waiver on fuel txns (community) · ₹3,000 joining, then ₹2,000/yr · the desk's own verdict is downgrade |
| 147 | IndiGo SBI Card ELITE | ₹960 | rewards nothing at the pump (₹0/yr) · surcharge waiver ₹960/yr — 1% fuel surcharge waiver on txns ₹500–₹4,000, max ₹400/statement cycle · ₹4,999/yr · the desk's own verdict is downgrade |
| 148 | AU Zenith+ | ₹960 | rewards nothing at the pump (₹0/yr) · surcharge waiver ₹960/yr — 1% surcharge waiver · ₹4,999/yr · the desk's own verdict is cancel |
| 149 | Adani One ICICI Bank Signature | ₹960 | rewards nothing at the pump (₹0/yr) · surcharge waiver ₹960/yr — 1% surcharge waiver on fuel txns · ₹5,000/yr · the desk's own verdict is downgrade · the desk's own rule here is flagged unverified — ranked, not crowned |
| 150 | RBL Icon | ₹960 | rewards nothing at the pump (₹0/yr) · surcharge waiver ₹960/yr — 1% surcharge waiver (verify slab) · ₹5,000/yr · the desk's own verdict is downgrade · the desk's own rule here is flagged unverified — ranked, not crowned |
| 151 | Emirates Skywards ICICI Bank Sapphiro | ₹960 | rewards nothing at the pump (₹0/yr) · surcharge waiver ₹960/yr — 1% surcharge waiver on ₹400–₹4,000 fuel txns · ₹5,000/yr · the desk's own verdict is downgrade |
| 152 | ICICI Sapphiro | ₹960 | rewards nothing at the pump (₹0/yr) · surcharge waiver ₹960/yr — 1% HPCL surcharge waiver on txns ≤₹4k (community) · ₹6,500 joining, then ₹3,500/yr · the desk's own verdict is downgrade |
| 153 | AU Zenith | ₹960 | rewards nothing at the pump (₹0/yr) · surcharge waiver ₹960/yr — 1% surcharge waiver · ₹7,999/yr · the desk's own verdict is cancel |
| 154 | ICICI Bank Emeralde | ₹960 | rewards nothing at the pump (₹0/yr) · surcharge waiver ₹960/yr — 1% surcharge waiver only · ₹12,000/yr · the desk's own verdict is downgrade |
| 155 | Union Bank NEXTERIA | ₹960 | rewards nothing at the pump (₹0/yr) · surcharge waiver ₹960/yr — The 1% fuel surcharge waiver, capped at ₹100 a month, replaces the points · ₹12,499/yr · the desk's own verdict is downgrade |
| 156 | Axis Bank PRIMUS | ₹4,800 | rewards 5.00% at the pump (₹4,800/yr) · surcharge waiver not priced — no fuel carve-out anywhere in the T&C, and the surcharge waiver band is ₹400–₹10,000 per statement… · ₹5,00,000 joining, then ₹3,00,000/yr · invite-only — not on open application |
| 157 | Club Vistara SBI Card PRIME | ₹2,496 | rewards 1.60% at the pump (₹1,536/yr) · surcharge waiver ₹960/yr — The 1% surcharge waiver is separate and unaffected · ₹0/yr · ₹2,999 joining (one-time) · closed to new applicants |
| 158 | Indian Overseas Bank RuPay Select | ₹1,200 | rewards 0.25% at the pump (₹240/yr) · surcharge waiver ₹960/yr — IOB's MITC states the waiver card-agnostically: 1% surcharge waived on transactions between ₹400 an… · ₹0 joining, then ₹500/yr · availability not published · the desk's own rule here is flagged unverified — ranked, not crowned |
| 159 | Indian Overseas Bank RuPay Platinum | ₹1,200 | rewards 0.25% at the pump (₹240/yr) · surcharge waiver ₹960/yr — 1% surcharge waived on transactions between ₹400 and ₹5,000, capped at ₹250 a billing cycle · ₹0 joining, then ₹250/yr · availability not published · the desk's own rule here is flagged unverified — ranked, not crowned |
| 160 | Amex Platinum Charge | ₹1,200 | rewards 1.25% at the pump (₹1,200/yr) · surcharge waiver not priced · ₹66,000/yr · issuance paused |
| 161 | Club Vistara SBI Card | ₹1,152 | rewards 1.20% at the pump (₹1,152/yr) · surcharge waiver not priced · ₹0/yr · ₹1,499 joining (one-time) · closed to new applicants |
| 162 | IOB Gold Credit Card | ₹1,152 | rewards 0.20% at the pump (₹192/yr) · surcharge waiver ₹960/yr — IOB's MITC states the waiver card-agnostically: 1% surcharge waived on transactions between ₹400 an… · ₹0 — lifetime free · closed to new applicants · the desk's own rule here is flagged unverified — ranked, not crowned |
| 163 | IOB Classic Credit Card | ₹1,152 | rewards 0.20% at the pump (₹192/yr) · surcharge waiver ₹960/yr — 1% surcharge waived on transactions between ₹400 and ₹5,000, capped at ₹250 a billing cycle, stated… · ₹0 — lifetime free · closed to new applicants · the desk's own rule here is flagged unverified — ranked, not crowned |
| 164 | Indian Overseas Bank RuPay Classic | ₹1,120 | rewards 0.17% at the pump (₹160/yr) · surcharge waiver ₹960/yr — IOB's two documents disagree for this variant and the desk records both: the MITC states the 1% sur… · ₹0 — lifetime free · availability not published · the desk's own rule here is flagged unverified — ranked, not crowned |
| 165 | Utkarsh Eternal Credit Card | ₹960 | rewards nothing at the pump (₹0/yr) · surcharge waiver ₹960/yr — The 1% fuel SURCHARGE waiver still applies, on transactions of ₹400 to ₹5,000 and capped at ₹400 a… · ₹0 joining, then ₹1,999/yr · invite-only — not on open application |
| 166 | Utkarsh Rhodium Credit Card | ₹960 | rewards nothing at the pump (₹0/yr) · surcharge waiver ₹960/yr — The 1% fuel SURCHARGE waiver still applies, on transactions of ₹400 to ₹5,000 and capped at ₹400 a… · ₹0 joining, then ₹4,999/yr · invite-only — not on open application |
| 167 | Utkarsh SmartGen Credit Card | ₹960 | rewards nothing at the pump (₹0/yr) · surcharge waiver ₹960/yr — The 1% fuel SURCHARGE waiver still applies, on transactions of ₹400 to ₹5,000 and capped at ₹400 a… · ₹0 joining, then ₹199/yr · invite-only — not on open application |
| 168 | Scapia (BOBCARD) | ₹960 | rewards nothing at the pump (₹0/yr) · surcharge waiver ₹960/yr — 1% surcharge waiver on small txns · ₹0 — lifetime free · availability not published |
| 169 | Shaurya Select SBI Card | ₹960 | rewards nothing at the pump (₹0/yr) · surcharge waiver ₹960/yr — the 1% surcharge waiver on ₹500–₹4,000 transactions (max ₹250 a statement cycle) is all fuel gets · ₹0 joining, then ₹1,499/yr · availability not published |
| 170 | SBI Card Unnati | ₹960 | rewards nothing at the pump (₹0/yr) · surcharge waiver ₹960/yr — the 1% surcharge waiver on ₹500–₹3,000 (max ₹100 a statement cycle) is all fuel gets · ₹0 joining, then ₹499/yr · availability not published |
| 171 | RBL vCard | ₹960 | rewards nothing at the pump (₹0/yr) · surcharge waiver ₹960/yr — A 1% fuel SURCHARGE waiver of up to ₹100 a month still applies on transactions of ₹500–₹4,000 · ₹0 joining, then ₹500/yr · closed to new applicants |
| 172 | Shaurya SBI Card | ₹960 | rewards nothing at the pump (₹0/yr) · surcharge waiver ₹960/yr — the 1% surcharge is waived between ₹500 and ₹3,000, up to ₹100 a statement cycle · ₹250/yr · availability not published |
| 173 | Apollo SBI Card | ₹960 | rewards nothing at the pump (₹0/yr) · surcharge waiver ₹960/yr — the 1% surcharge is waived up to ₹100 a month · ₹499/yr · availability not published |
| 174 | PhonePe SBI Card PURPLE | ₹960 | rewards nothing at the pump (₹0/yr) · surcharge waiver ₹960/yr — the 1% surcharge waiver on ₹500–₹3,000 (max ₹100 a statement cycle) is all fuel gets · ₹499/yr · availability not published |
| 175 | Flipkart Axis Bank Super Elite | ₹960 | rewards nothing at the pump (₹0/yr) · surcharge waiver ₹960/yr — 1% fuel surcharge waiver instead (₹400–₹5,000 txns) · ₹500/yr · issuance paused |
| 176 | Chennai Super Kings ICICI Bank | ₹960 | rewards nothing at the pump (₹0/yr) · surcharge waiver ₹960/yr — a 1% surcharge waiver at HPCL pumps applies instead · ₹500/yr · closed to new applicants |
| 177 | Myntra Kotak | ₹960 | rewards nothing at the pump (₹0/yr) · surcharge waiver ₹960/yr — A 1% fuel SURCHARGE waiver still applied on transactions of ₹500–₹3,000, capped at ₹3,500 an annive… · ₹500/yr · closed to new applicants |
| 178 | YES First Preferred | ₹960 | rewards nothing at the pump (₹0/yr) · surcharge waiver ₹960/yr — 1% fuel-surcharge waiver instead, capped ₹250 a statement cycle · ₹999/yr · closed to new applicants |
| 179 | Emirates Skywards ICICI Bank Rubyx | ₹960 | rewards nothing at the pump (₹0/yr) · surcharge waiver ₹960/yr — 1% surcharge waiver only · ₹1,000/yr · closed to new applicants |
| 180 | Air India SBI Platinum Card | ₹960 | rewards nothing at the pump (₹0/yr) · surcharge waiver ₹960/yr — the 1% fuel-surcharge waiver on ₹500–₹4,000 transactions (max ₹250 per statement cycle) is all you… · ₹1,499/yr · closed to new applicants |
| 181 | RBL Aspire Banking | ₹960 | rewards nothing at the pump (₹0/yr) · surcharge waiver ₹960/yr — the 1% fuel surcharge waiver is the only fuel benefit · ₹1,500/yr · invite-only — not on open application |
| 182 | Axis Bank Signature | ₹960 | rewards nothing at the pump (₹0/yr) · surcharge waiver ₹960/yr — A 1% surcharge refund on transactions between ₹400 and ₹4,000 applies instead, and the GST on the s… · ₹1,500 joining, then ₹1,000/yr · closed to new applicants |
| 183 | RBL Signature Banking | ₹960 | rewards nothing at the pump (₹0/yr) · surcharge waiver ₹960/yr — the 1% fuel surcharge waiver is the only fuel benefit · ₹2,500/yr · invite-only — not on open application |
| 184 | Kotak Privy League Signature | ₹960 | rewards nothing at the pump (₹0/yr) · surcharge waiver ₹960/yr — 1% surcharge waiver (Kotak standard, community) · ₹2,500/yr · closed to new applicants |
| 185 | HDFC Regalia | ₹960 | rewards nothing at the pump (₹0/yr) · surcharge waiver ₹960/yr — 1% surcharge waiver · ₹2,500/yr · closed to new applicants |
| 186 | RBL World Prime | ₹960 | rewards nothing at the pump (₹0/yr) · surcharge waiver ₹960/yr — the 1% fuel surcharge waiver is the only fuel benefit · ₹2,999/yr · availability not published |
| 187 | RBL World Max | ₹960 | rewards nothing at the pump (₹0/yr) · surcharge waiver ₹960/yr — the 1% fuel surcharge waiver is the only fuel benefit · ₹2,999/yr · availability not published |
| 188 | RBL iGlobe | ₹960 | rewards nothing at the pump (₹0/yr) · surcharge waiver ₹960/yr — 1% surcharge waiver on ₹500–₹4,000 txns, cap ₹250/month · ₹3,000/yr · invite-only — not on open application · the desk's own rule here is flagged unverified — ranked, not crowned |
| 189 | RBL Bank Black | ₹960 | rewards nothing at the pump (₹0/yr) · surcharge waiver ₹960/yr — the 1% fuel surcharge waiver is the only fuel benefit · ₹3,000/yr · closed to new applicants |
| 190 | DBS Altitude | ₹960 | rewards nothing at the pump (₹0/yr) · surcharge waiver ₹960/yr — 1% surcharge waiver instead on transactions of ₹1,000–₹6,000, capped ₹200 a billing cycle · ₹4,999/yr · invite-only — not on open application |
| 191 | RBL World Plus | ₹960 | rewards nothing at the pump (₹0/yr) · surcharge waiver ₹960/yr — the 1% fuel surcharge waiver is the only fuel benefit · ₹4,999/yr · availability not published |
| 192 | RBL World Safari Plus | ₹960 | rewards nothing at the pump (₹0/yr) · surcharge waiver ₹960/yr — the 1% fuel surcharge waiver is the only fuel benefit · ₹6,000/yr · invite-only — not on open application |
| 193 | RBL Insignia Preferred Banking World Card | ₹960 | rewards nothing at the pump (₹0/yr) · surcharge waiver ₹960/yr — 1% surcharge waiver on ₹500–₹4,000 txns, cap ₹250/month · ₹7,000/yr · invite-only — not on open application · the desk's own rule here is flagged unverified — ranked, not crowned |
| 194 | ICICI Emeralde Private Metal | ₹960 | rewards nothing at the pump (₹0/yr) · surcharge waiver ₹960/yr — 1% surcharge waiver on fuel spends up to ₹50k/month (Nov-2024 cap) · ₹12,499/yr · invite-only — not on open application |
| 195 | HDFC Infinia Metal | ₹960 | rewards nothing at the pump (₹0/yr) · surcharge waiver ₹960/yr — 1% fuel surcharge waiver instead (community: txns ₹400–₹1L, waiver capped ~₹1,000/cycle) · ₹12,500/yr · invite-only — not on open application |
| 196 | IDFC FIRST Gaj | ₹960 | rewards nothing at the pump (₹0/yr) · surcharge waiver ₹960/yr — 1% surcharge waiver on ₹200–₹5,000 txns, cap ₹300/cycle · ₹12,500/yr · invite-only — not on open application |
| 197 | Standard Chartered Beyond | ₹960 | rewards nothing at the pump (₹0/yr) · surcharge waiver ₹960/yr — 1% fuel surcharge waiver instead, capped ₹5,000 a statement cycle on MCC 5172, 5541, 5542, 5983 · ₹15,000 joining, then ₹25,000/yr · invite-only — not on open application |
| 198 | IndusInd PIONEER Private | ₹960 | rewards nothing at the pump (₹0/yr) · surcharge waiver ₹960/yr — a 1% fuel-surcharge reversal applies instead on ₹500–₹10,000 transactions, and the MITC exempts thi… · ₹25,000/yr · invite-only — not on open application |
| 199 | IDFC FIRST Private | ₹960 | rewards nothing at the pump (₹0/yr) · surcharge waiver ₹960/yr — 1% fuel surcharge waiver instead, and on Private alone the MITC prints "No Capping" against that wa… · ₹50,000 joining, then ₹25,000/yr · invite-only — not on open application |
| 200 | RBL Lumière | ₹960 | rewards nothing at the pump (₹0/yr) · surcharge waiver ₹960/yr — 1% fuel surcharge waiver · ₹50,000/yr · invite-only — not on open application · the desk's own rule here is flagged unverified — ranked, not crowned |
Nothing at the pump — no points, no priceable waiver — 114 cards, each with the reason
- Axis Magnus for Burgundy — no points at the pump, and no waiver we can price — Same as Magnus
- Axis Olympus — no points at the pump, and no waiver we can price — "Fuel" in the official Excluded Merchant Categories list (Olympus T&C §4)
- Axis Burgundy Private — no points at the pump, and no waiver we can price — No EDGE RP on fuel (CardInsider)
- HSBC Premier (Metal) — no points at the pump, and no waiver we can price — MCC 5541/5983/5172/5542/5552 · the only category Premier zeroes outright
- Marriott Bonvoy HDFC Bank — nothing at the pump: no points, and the card carries no surcharge waiver either — Zero Bonvoy points · no fuel surcharge waiver documented · single-source, verify
- Kotak Air+ Prime — the issuer's own page and its footnote disagree about this card's fuel benefit — we won't rank a number we can't settle
- HSBC Taj — no points at the pump, and no waiver we can price — so the ₹400–₹4,000 band that saves you the 1% costs you the earn
- Axis Miles & More World Select — no points at the pump, and no waiver we can price — No award miles on fuel · surcharge waiver · community/flag
- BOBCARD Etihad Guest — nothing at the pump: no points, and the card carries no surcharge waiver either — Fuel earns no miles at all: a 1% surcharge waiver applies on ₹500–₹5,000 transactions (max ₹250 a statement), and a 1% processing…
- IndiGo IDFC FIRST Dual Credit Card — the issuer's own page and its footnote disagree about this card's fuel benefit — we won't rank a number we can't settle
- HSBC Live+ — no points at the pump, and no waiver we can price — 0% cashback
- HSBC RuPay Cashback — no points at the pump, and no waiver we can price — Zero cashback · HSBC names 5541, 5983, 5172, 5542 and 5552, which is every code in this category
- BOBCARD Eterna — no points at the pump, and no waiver we can price — 1% processing fee on fuel ≥₹10k (official KFS)
- Axis Miles & More World — no points at the pump, and no waiver we can price — No award miles on fuel · surcharge waiver · community/flag
- Amazon Pay ICICI Bank — the issuer's own page and its footnote disagree about this card's fuel benefit — we won't rank a number we can't settle
- Indus Solitaire — no points at the pump, and no waiver we can price — the MITC exempts Solitaire from the 1% fuel fee as well
- HSBC Platinum — no points at the pump, and no waiver we can price — And a second clause closes the loophole from the other side: "For transactions eligible for surcharge waiver, reward points will…
- HSBC RuPay Platinum — no points at the pump, and no waiver we can price — And a second clause closes the loophole from the other side: "For transactions eligible for surcharge waiver, reward points will…
- RBL Platinum Maxima — the issuer's own page and its footnote disagree about this card's fuel benefit — we won't rank a number we can't settle
- IndiGo Kotak Premium Credit Card — nothing at the pump: no points, and the card carries no surcharge waiver either — Kotak publishes no fuel-surcharge waiver for this card and does not list fuel as an exclusion · treatment not published
- IndiGo Axis Bank Premium Credit Card — no points at the pump, and no waiver we can price — "Fuel" in the card's published exclusion list
- YES Bank ELITE+ — no points at the pump, and no waiver we can price — Zero YES Rewardz Points (MCCs 5172, 5541, 5542, 5983, 9752), plus YES's own 1% fee on a fuel transaction above ₹10,000
- IndiGo Kotak Credit Card — nothing at the pump: no points, and the card carries no surcharge waiver either — No fuel-surcharge waiver published · fuel is not on the exclusion list either · treatment not published
- YES Essence — no points at the pump, and no waiver we can price — YES also charges 1% on a fuel transaction above ₹10,000
- EazyDiner IndusInd Signature — no points at the pump, and no waiver we can price — 1% fee on cumulative fuel above ₹50,000 a statement cycle from 15-Jun-2026
- Tata Neu Plus HDFC Bank — no points at the pump, and no waiver we can price — First name in "NeuCoins will not be accrued for the following spends/transactions on the card"
- Tata Neu Plus SBI Card — no points at the pump, and no waiver we can price — Zero NeuCoins · MCC 5172, 5541, 5542, 5983
- RBL World Safari Lite — no points at the pump, and no waiver we can price — "Fuel & Auto" · named in §3.4(d) as ineligible to earn
- SBI Card ELITE — no points at the pump, and no waiver we can price — Zero points · MCC 5172, 5541, 5542 and 5983, named in the card's own booklet and again in the program-wide register
- MakeMyTrip ICICI Bank Platinum — no points at the pump, and no waiver we can price — "Fuel transactions done on the MakeMyTrip ICICI Bank Credit Card" earn no myCash
- Kotak Zen Signature — no points at the pump, and no waiver we can price — Kotak also charges 1% on cumulative fuel spend past ₹35,000 a statement cycle, so fuel here costs money and earns nothing
- RBL Platinum LifeEasy — the issuer's own page and its footnote disagree about this card's fuel benefit — we won't rank a number we can't settle
- SBI Card PRIME — no points at the pump, and no waiver we can price — Zero points · MCC 5172, 5541, 5542 and 5983
- IndiGo Axis Bank Credit Card — no points at the pump, and no waiver we can price — "Fuel" in the card's published exclusion list
- IndusInd Celesta — no points at the pump, and no waiver we can price — 1% fee on cumulative fuel above ₹50,000 a statement cycle from 15-Jun-2026
- SBI Card PULSE — no points at the pump, and no waiver we can price — Zero points · MCC 5172, 5541, 5542 and 5983, the only exclusion the card's own booklet spells out
- Standard Chartered EaseMyTrip — nothing at the pump: no points, and the card carries no surcharge waiver either — 1% fuel surcharge but no waiver on this card (CardInsider)
- DBS Vantage — no points at the pump, and no waiver we can price — "You shall not earn any Vantage Points for the following – fuel, wallet reload, Duty-Free Stores, or Rent" (published T&C)
- IndusInd Indulge — no points at the pump, and no waiver we can price — 1% fee on cumulative fuel above ₹50,000 a statement cycle from 15-Jun-2026
- IndusInd Crest — the issuer's own page and its footnote disagree about this card's fuel benefit — we won't rank a number we can't settle
- IndusInd Pioneer Legacy — no points at the pump, and no waiver we can price — 1% fee on cumulative fuel above ₹50,000 a statement cycle from 15-Jun-2026
- IndusInd Pioneer Heritage — no points at the pump, and no waiver we can price — Fuel excluded from RP earn (IndusInd standard, community, flag)
- Axis Bank NEO — no points at the pump, and no waiver we can price — Zero points, a 1% transaction surcharge, and a further 1% fee once fuel spend passes ₹50,000 in a statement cycle
- AU Bank NOMO Credit Card — no points at the pump, and no waiver we can price — AU's MITC charges 1% fair-usage on fuel past 50% of the credit limit or ₹50,000 a month, and from 1-Jul-2026 on any single transa…
- SBI AURUM — no points at the pump, and no waiver we can price — No reward points on fuel (SBI Card standard · surcharge waiver applies instead · community, flag)
- HDFC Bank PIXEL Play — no points at the pump, and no waiver we can price — Excluded from the 5%, 3% and 1% buckets alike by MCC: 1361, 5172, 5541, 5542, 5983, 9752
- Reliance SBI Card PRIME — no points at the pump, and no waiver we can price — MCC 5172, 5541, 5542 and 5983, and §11.4(d) restates it when it defines the base rate as "2 RP on every ₹100 spent on other retai…
- Landmark Rewards SBI Card PRIME — no points at the pump, and no waiver we can price — Zero points · §11.4(c) prints the MCCs as "5712, 5541, 5983, and 5542" · 5712 is a typo in SBI's own PDF for the fuel code 5172,…
- Apollo SBI Card SELECT — no points at the pump, and no waiver we can price — Zero Health Credits · MCC 5172, 5541, 5542 and 5983
- IndusInd Platinum Aura Edge — no points at the pump, and no waiver we can price — 1% fee on cumulative fuel above ₹30,000 a statement cycle from 15-Jun-2026
- Axis Bank Cashback — no points at the pump, and no waiver we can price — Fuel earns nothing, and a 1% fee applies above ₹50,000 of fuel a cycle
- Axis Bank Freecharge Plus — no points at the pump, and no waiver we can price — Fuel spends earn nothing, and a 1% fee applies above ₹50,000 of fuel a cycle
- Paytm HDFC Bank Mobile — no points at the pump, and no waiver we can price — Fuel spends earn nothing
- Kotak UPI RuPay — no points at the pump, and no waiver we can price — Fuel earns nothing, and carries a 1% fee above ₹25,000 a statement cycle
- Axis Bank Freecharge — no points at the pump, and no waiver we can price — a 1% fee applies above ₹50,000 of fuel a statement cycle
- HDFC Bank UPI RuPay — no points at the pump, and no waiver we can price — "Fuel Spends" heads HDFC's exclusion list and its own worked example spells it out: of ₹15,000 spent, "Fuel & EMI spends won't be…
- Landmark Rewards SBI Card SELECT — no points at the pump, and no waiver we can price — Zero points · the booklet names petrol-pump MCC 5712, 5541, 5983 and 5542
- LIC Axis Bank Platinum — no points at the pump, and no waiver we can price — a 1% fee also applies on cumulative fuel spends of ₹50,000 or more in a statement cycle
- ICICI Bank Rubyx against FD — no points at the pump, and no waiver we can price — Zero · the Rubyx membership kit says "No reward points will accrue on fuel transactions", and the MITC's blanket fuel exclusion d…
- ICICI Bank NRI Sapphiro — no points at the pump, and no waiver we can price — A 1% fee applies to fuel transactions above ₹10,000.
- Swiggy Ornge HDFC Bank Credit Card — nothing at the pump: no points, and the card carries no surcharge waiver either — Zero cashback (MCC 5172, 5541, 5542, 5983), and HDFC's MITC confirms no fuel surcharge waiver accrues on the Swiggy cards either
- Swiggy BLCK HDFC Bank Credit Card — nothing at the pump: no points, and the card carries no surcharge waiver either — Zero cashback (MCC 5172, 5541, 5542, 5983), and HDFC's MITC confirms no fuel surcharge waiver accrues on the Swiggy cards either
- RBL Platinum Delight — no points at the pump, and no waiver we can price — "Fuel & Auto" (MCC 0032, 2541, 4001, 5542, 5541, 5172) is on the earn-exclusion list, and fuel spend is also struck from the ₹2 l…
- RBL Platinum ShopGain — the issuer's own page and its footnote disagree about this card's fuel benefit — we won't rank a number we can't settle
- RBL Platinum Max — no points at the pump, and no waiver we can price — The fuel surcharge waiver of up to ₹100 a month, on transactions of ₹500–₹4,000, is the only fuel benefit left · RBL also charges…
- RBL Platinum Prime — no points at the pump, and no waiver we can price — the ₹100-a-month fuel surcharge waiver (on ₹500–₹4,000 transactions) is what remains
- RBL Platinum Plus — no points at the pump, and no waiver we can price — the ₹100-a-month surcharge waiver on ₹500–₹4,000 fills is the only fuel benefit
- RBL Platinum Choice — no points at the pump, and no waiver we can price — RBL charges 1% on fuel/auto transactions above ₹10,000, capped at ₹3,000 (MITC)
- RBL Platinum Advantage — no points at the pump, and no waiver we can price — Zero RP since 15-Oct-2024 · "Fuel & Auto" (MCC 0032, 2541, 4001, 5542, 5541, 5172) on the page's exclusion table · a fuel surchar…
- RBL Binge — no points at the pump, and no waiver we can price — RBL also charges 1% on fuel/auto above ₹10,000, capped at ₹3,000 (MITC)
- RBL MyFirst — no points at the pump, and no waiver we can price — Zero RP since 15-Oct-2024 · "Fuel & Auto" (MCC 0032, 2541, 4001, 5542, 5541, 5172) · the fuel surcharge waiver is the only fuel b…
- RBL EasySaver — no points at the pump, and no waiver we can price — the ₹100-a-month fuel surcharge waiver on ₹500–₹4,000 fills is the only fuel benefit
- RBL Shoprite — no points at the pump, and no waiver we can price — Zero RP · "Fuel & Auto" (MCC 0032, 2541, 4001, 5542, 5541, 5172) is excluded from earn and from the waiver bar · the fuel surchar…
- RBL Movies and More — no points at the pump, and no waiver we can price — The fuel surcharge waiver, ₹100 a month on ₹500–₹4,000 fills, is the only fuel benefit
- RBL Patanjali Vishisht — no points at the pump, and no waiver we can price — Zero RP · "Fuel & Auto" (MCC 0032, 2541, 4001, 5542, 5541, 5172) heads the card's earn-exclusion table · It is conspicuously abse…
- RBL Bank SalarySe UP — no points at the pump, and no waiver we can price — RBL charges 1% on fuel/auto transactions above ₹10,000, capped at ₹3,000 (MITC)
- RBL Bank DMI Finance — no points at the pump, and no waiver we can price — RBL also charges 1% on fuel/auto transactions above ₹10,000, capped at ₹3,000 (MITC)
- RBL Paisabazaar Duet — no points at the pump, and no waiver we can price — RBL charges 1% on fuel/auto transactions above ₹10,000, capped at ₹3,000 (MITC)
- RBL Paisabazaar Duet Plus — no points at the pump, and no waiver we can price — 1% fee on fuel/auto above ₹10,000, capped at ₹3,000 (MITC)
- RBL BankBazaar SaveMax — no points at the pump, and no waiver we can price — RBL charges 1% on fuel/auto above ₹10,000, capped at ₹3,000 (MITC)
- RBL Cookies — no points at the pump, and no waiver we can price — Zero benefit since 15-Oct-2024 · "Fuel & Auto" (MCC 0032, 2541, 4001, 5542, 5541, 5172) on the page's exclusion table · a fuel su…
- Swiggy HDFC Bank Credit Card — no points at the pump, and no waiver we can price — fuel is on HDFC's exclusion list for this card, stated twice on the page ("1% CashBack on other category spends, except for fuel,…
- AU LIT Credit Card — no points at the pump, and no waiver we can price — Zero RP on base AND on the paid 5X/10X features · The Fuel Surcharge Waiver is a separately PURCHASED feature on this card: opt i…
- AU Altura Plus Credit Card — no points at the pump, and no waiver we can price — 1% fair-usage on fuel past 50% of the limit or ₹50,000 a month, tightening to any transaction above ₹10,000 from 1-Jul-2026 (MITC)
- AU Altura Credit Card — no points at the pump, and no waiver we can price — AU's MITC also charges 1% fair-usage on fuel past 50% of the credit limit or ₹50,000 a month, and from 1-Jul-2026 on any single f…
- Standard Chartered Smart — nothing at the pump: no points, and the card carries no surcharge waiver either — SC states it in one line on the card's own page: "Fuel transactions are not eligible for cashback." No surcharge waiver is publis…
- Paisabazaar Paisa Plus Credit Card — the issuer's own page and its footnote disagree about this card's fuel benefit — we won't rank a number we can't settle
- Paisabazaar Step-Up SBM Credit Card — nothing at the pump: no points, and the card carries no surcharge waiver either — The card also carries a fuel surcharge of up to 2% of the transaction amount, which is a charge and not a waiver
- CUB SRH Master Platinum — no points at the pump, and no waiver we can price — MCCs 5172, 5541, 5542 and 5983 earn nothing, plus a 1% fuel transaction fee above ₹50,000 cumulative in a cycle · the surcharge w…
- CUB SRH RuPay Platinum — no points at the pump, and no waiver we can price — MCCs 5172, 5541, 5542 and 5983 earn nothing, plus a 1% fuel transaction fee above ₹50,000 cumulative in a cycle · the surcharge w…
- CUB SRH Master World — no points at the pump, and no waiver we can price — MCCs 5172, 5541, 5542 and 5983 earn nothing, plus a 1% fuel transaction fee above ₹50,000 cumulative in a cycle · the surcharge w…
- RBL Bank Shoppers Stop Black — no points at the pump, and no waiver we can price — RBL's Schedule of Charges adds a 1% fee on any fuel or auto transaction above ₹10,000, capped ₹3,000
- RBL Bank Shoppers Stop Platinum — no points at the pump, and no waiver we can price — Zero Reward Points AND no milestone credit (MCC 0032, 2541, 4001, 5542, 5541, 5172), plus a 1% fee on fuel or auto transactions a…
- RBL Bank Shoppers Stop Gold — no points at the pump, and no waiver we can price — Zero Reward Points AND no milestone credit (MCC 0032, 2541, 4001, 5542, 5541, 5172), plus a 1% fee on fuel or auto transactions a…
- Amex Platinum Travel — no points at the pump, and no waiver we can price — Zero MR since 12-Jun-2025 (was 1/₹50 before) · HPCL 0% fee <₹5k / 1% above · other OMCs 1–2.5% convenience fee
- Amex Membership Rewards Card — no points at the pump, and no waiver we can price — Zero MR since 12-Jun-2025 · OMC convenience fees apply
- Amex Platinum Reserve — no points at the pump, and no waiver we can price — 0% HPCL convenience fee <₹5k, 1% ≥₹5k
- Amex Gold Charge — no points at the pump, and no waiver we can price — Zero MR effective 12-Jun-2025 (was 1/₹50 capped 5k/month)
- OneCard Metal — no points at the pump, and no waiver we can price — Fuel earns nothing (surcharge only) · community, flag
- Paytm SBI Card SELECT — no points at the pump, and no waiver we can price — Zero points · MCC 5172, 5541, 5542 and 5983, named in clause 6 and again in the MCC table
- PhonePe SBI Card SELECT BLACK — no points at the pump, and no waiver we can price — Zero points · MCC 5172, 5541, 5542 and 5983
- Paytm SBI Card — no points at the pump, and no waiver we can price — Zero points · MCC 5172, 5541, 5542 and 5983 · clause 5 names fuel spends and the General Conditions table repeats the codes
- KVB SBI Signature Card — no points at the pump, and no waiver we can price — Zero points · purchases at petrol pumps and service stations, MCC 5172, 5541, 5542 and 5983
- KVB SBI Platinum Card — no points at the pump, and no waiver we can price — Zero points · purchases at petrol pumps and service stations, MCC 5172, 5541, 5542 and 5983
- South Indian Bank SBI Platinum Card — no points at the pump, and no waiver we can price — Zero points · purchases at petrol pumps and service stations, MCC 5172, 5541, 5542 and 5983
- Axis Atlas — nothing at the pump: no points, and the card carries no surcharge waiver either — Zero EDGE Miles since 20-Apr-2024 (MCC 5541/5542/5983 pre-Jun-2025) · NO fuel surcharge waiver on Atlas at all
- HDFC Harley-Davidson Diners Club — no points at the pump, and no waiver we can price — the fuel-surcharge waiver line is absent from the page too, and a 1% fee applies to any fuel transaction above ₹15,000 (MITC v4.5)
- MakeMyTrip ICICI Bank Signature — no points at the pump, and no waiver we can price — Zero myCash under the MITC's blanket fuel exclusion · the four-card exception list names the MakeMyTrip ICICI Bank Credit Card, n…
- Kotak Royale Signature — no points at the pump, and no waiver we can price — MCC 5172, 5541, 5542 and 5983, plus 1% on cumulative fuel spend past ₹35,000 a statement cycle
- Kotak Mojo Platinum — no points at the pump, and no waiver we can price — MCC 5172, 5541, 5542 and 5983, plus 1% on cumulative fuel spend past ₹35,000 a statement cycle
- Air India SBI Signature Card — no points at the pump, and no waiver we can price — Zero points · MCC 5172, 5541, 5542 and 5983 · The clause above the list says it twice, naming "Petrol spends" alongside cash with…
- HDFC Regalia Activ — no points at the pump, and no waiver we can price — "Reward points will not be accrued for fuel transactions" · clause 2
- IndusInd Iconia Amex — no points at the pump, and no waiver we can price — No Reward Points on fuel from 1-Apr-2018 · the MITC's 15-Jun-2026 fuel-fee thresholds name Iconia Visa and not the Amex variant
- RBL Bank novio — no points at the pump, and no waiver we can price — No Reward Points · MCC 0032, 2541, 4001, 5542, 5541 and 5172, filed by RBL under "Fuel & Auto"
5 more questions about this board — how the rate is worked out, and what else readers ask
How is this ranking computed?
TWO FACTS, priced apart and printed apart on every row. (1) REWARD EARN starts where /spends, /spends/fuel and /wallet start — first-tier earn × the card's published fuel treatment × its currency's house ₹/point, the rate it pays at ANY pump. Where the card also publishes a NAMED-BRAND accelerator (IndianOil, BPCL, HPCL) we price that instead: the percentage its own curated fuel category states, clipped by the ceiling that category publishes, read in any of three units — ₹ of fuel, a ₹ reward cap divided by the rate, or a points cap divided by the rate in the same sentence — and the card's own monthly earn lid where it sits below the reference. A ceiling stated in units nothing here converts is refused rather than priced as uncapped: 0 cards rank at the ordinary fuel rate for that reason, and the row says so. A category may only RAISE a card above the rate it pays everywhere. So this board and /spends/fuel can crown different cards and both be right: that page ranks the rate you get wherever you fill up, this one ranks the card to carry — in India, an oil-company co-brand whose rate does not exist at the pump next door. (2) THE SURCHARGE WAIVER comes out of the same rule's own words: the waiver percentage where the issuer states one, on ₹8,000 of monthly fuel, clipped by the monthly ₹ ceiling where the issuer states that too. A waiver we cannot quantify is not credited and the row says so. ₹8,000 a month is one ordinary car, and it is stated because the pump accelerators here cap between ₹3,000 and ₹15,000 a month — the reference decides which of those bind. A fuel benefit our own research marks CONTRADICTED is not ranked, nor are the 8 whose earn we could not number: they are the gap between the 314 fuel rules on the desk and the 306 priced above. 331 priced cards have no fuel rule here yet and appear on no part of this page.
How many cards are in this fuel ranking?
200 of the 973 Indian personal cards on the desk are ranked here. 114 are listed unranked with the computed reason — nothing at the pump — no points, no priceable waiver — because a card we can't rank honestly gets named, not hidden. A further 328 are carried but not valued at all — 51 with no annual fee any issuer document states, 231 whose issuer has not published how the card earns, 46 with neither — because scoring an unknown as ₹0 is a claim, not a gap. Business and corporate cards are ranked apart from these: 70 priced ones sit on /best/business, because pricing an MSME card against a personal wallet answers a question nobody asked (ADR 0012).
How up to date is this list?
The records behind this board — the card records this ranks and the fuel rules on our fine-print desk — carry re-verification dates from 1 Jun 2026 to 25 Sept 2026; the board is recomputed from them on every build. Nothing on this page is typed by hand: the podium, the table and the numbers in this answer are all recomputed from those records every time the site builds, so a devaluation moves the ranking the day we log it.
Which fuel credit cards in India have no annual fee?
27 of the 200 ranked here are lifetime free. The best on ₹/yr at ₹8,000/mo of fuel is ICICI Bank Parakram Select at ₹1,440. This board's call, IndianOil RBL Bank XTRA Credit Card, costs ₹1,500/yr and reaches ₹8,160 — that gap is what the fee buys.
Is IndianOil RBL Bank XTRA Credit Card better than BPCL SBI Card OCTANE?
On what this board ranks — ₹/yr at ₹8,000/mo of fuel — yes: ₹8,160 against ₹6,960. That is the whole claim, and a narrow one. No card wins overall: 23 boards, 23 questions.
How fuel got here
6 tracker events whose headline names this category — the dated record behind the table. Every row links the event on the tracker.
- ICICI caps transport rewards and excludes rent, tax, fuel spends ICICI Bank
- Amex stops earning MR points on fuel American Express
- AU zeroes out rewards on fuel, rent, education and government AU Small Finance Bank
- OneCard stops earning points on fuel OneCard
- OneCard tolls app-routed rent and caps the fuel waiver OneCard
- Amex India cuts Membership Rewards on fuel and utility bills American Express
Not published
794 cards on the desk have no rule we could read for fuel. They are named here rather than guessed into the ranking above — an unread rule is not a full-earn rule.
Name all 794
DBS Spark 5 Credit CardDBS Spark 10 Credit CardDBS Spark 20 Credit CardStandard Chartered Priority Visa InfiniteBandhan Bank Lumina Credit CardBandhan Bank Flare Credit CardBandhan Bank Ignite Credit CardBandhan Bank Sparks Credit CardYES PrivateYES Private PrimeHSBC PrivéScapia (Axis Bank)Edge CSB Bank RuPay Credit CardEdge+ CSB Bank RuPay Credit CardAU CA MetalAU CSEquitas Selfe Credit CardNiyo Global SBM Credit CardKotak WhiteFederal Bank ImperioUnion Bank DIVAA ICONUnion Bank RuPay SelectUnion Sparshslice UPI Credit CardUnion Bank RuPay PlatinumFederal Bank SignetLIC Axis Bank SignatureSamsung Axis Bank SignatureAU Bank Traverse Credit Card (NRI)CRED IndusInd Bank RuPay Credit CardDBS SuperXDBS SuperX PlusAxis Bank My WingsAxis Bank My Zone EasyAxis Bank PlatinumBPCL SBI CardHDFC Bank BizGrowGoogle Pay Flex Axis BankIOB VISA Signature Credit CardIOB VISA Platinum Credit CardIndusInd Bank Nexxt Credit CardKotak811 Super Money CardICICI Bank Instant PlatinumEazyDiner IndusInd PlatinumIndusInd ePay AmexIndusInd DuoKrishak Unnati SBI CardUtkarsh superCardRBL Platinum BonusRBL Platinum TravelEasyRBL Platinum ValuePlusRBL Platinum ShopSmartRBL Platinum ShopDailyRBL Bank PLAYRBL Bank QuickPayRBL BankBazaar SaveMax ProRBL World XclusiveRBL World SelectRBL Bank LazyPayRBL JalsaSBI Card PRIME NRI SecuredHDFC Bank UPI RuPay Mega SaverHDFC Bank Biz FirstHDFC Bank GIGA BusinessHDFC Bank Micro Enterprise BusinessIndusInd Samman RuPayIndusInd Jio-bp Mobility+ICICI Diamant WorldICICI Emeralde PrivateYES PaisaSaveYES PaisaSave RuPayYES Bank ACEYES Bank WellnessYES Bank FinBoosterYES FinBooster RuPayYES Bank anQ PiYES Prosperity CashbackYES Prosperity Cashback+YES Bank UniYES Bank KlickYES Bank POP-CLUBYES Prosperity Edge (NRI)Kotak 811 Credit CardPVR INOX KotakKotak BizBOBCARD CashbackSnapdeal BOBCARDBOBCARD SelectBOBCARD EasyICAI Exclusive BOBCARDICSI Diamond BOBCARDCMA One BOBCARDVarunah Premium BOBCARDVarunah Plus BOBCARDVarunah BOBCARDIndian Army YODDHA BOBCARDAssam Rifles SENTINEL BOBCARDCoast Guard RAKSHAMAH BOBCARDBOBCARD VIKRAMPRAGATI BOBCARD (RRB)Nainital Bank RENAISSANCEPM SVANidhi BOBCARDAU Kosmo Credit CardAU Tejas Credit CardAU Laksya Credit CardAU SPONT Credit CardAU Prathama Credit CardAU InstaPay RuPay Credit CardAU Xcite Ultra Credit CardAU Xcite Ace Credit CardAU Xcite Credit CardPaytm AU Credit CardCheQ AU Credit CardAU Zaggle Credit CardDhi CUB Visa SignatureCUB Dhi FD-Backed / CampusCUB KavachUnion Bank VISA SignatureUnion Bank VISA PlatinumUnion Bank VISA GoldUnion Bank PM SVANidhiIndiGo IDFC FIRST SecuredIDFC FIRST Hello CashbackLIC IDFC FIRST ClassicIDFC FIRST Quantum+IDFC FIRST EA₹NIDFC FIRST HPCL PowerIDFC FIRST Digital RuPayAirtel Axis Bank Credit CardAxis Bank Privilege EasyIndianOil Easy Axis BankJ&K Bank Eminent CardKVB Honour Credit CardFederal RuPay Wave Credit CardJ&K Bank Platinum CardKVB Platinum Credit CardBandhan Bank Flash Credit CardTMB Platinum Credit CardTMB Titanium Credit CardTMB Wings (RuPay) Credit CardTMB Phoenix (RuPay) Credit CardDhanlaxmi Bank Namaste Credit CardStandard Chartered Platinum RewardsStandard Chartered ManhattanStandard Chartered DigiSmartIDBI Bank Aspire PlatinumIDBI Bank Imperium PlatinumIDBI Bank LIC LumineESAF INORI RuPay PlatinumDCB Niyo Global Credit CardDCB novio Credit Card (RuPay Select)DCB ZET Credit CardDCB novio Credit Card (RuPay Platinum)SBM MobiKwik First Credit CardSBM novio Credit CardSBM Magnet Credit CardSBM Kredit.Pe Credit CardAditya Birla Capital AU ProDhanlaxmi Bank RuPay Dhan SamriddhiDhanlaxmi Bank RuPay Dhan VriddhiIndian Bank PM SVANidhiUtkarsh Wish Credit CardHDFC Bank Corporate PlatinumHDFC Bank Corporate PremiumHDFC Bank Business Corporate RegaliaHDFC Bank Business Corporate MoneyBackHDFC Bank SAP Concur BlackHDFC Bank Purchase PremiumHDFC Bank Purchase MoneyBackHDFC Bank Purchase RewardHDFC Bank Purchase CardSBI Card Vyapaar UnnatiSimplySAVE Merchant SBI CardAxis Bank Business Supreme VisaAxis Bank Business Supreme MastercardAxis Bank Corporate Credit CardAxis Bank Executive CorporateICICI Bank Business Advantage BlackICICI Bank Business Advantage BlueICICI Bank Platinum Business CardICICI Bank Corporate PlatinumICICI Bank Business Ascent AmexICICI Bank Business Essential AmexSBI Signature Corporate CardSBI Platinum Corporate CardICICI Bank Gold Business CardICICI Bank Corporate GoldICICI Bank Business Micro Credit CardKotak Solitaire BusinessKotak Corporate PlatinumKotak Corporate Wealth SignatureIndusInd eSvarna CorporateIndusInd Contactless CorporateIndusInd Fortuna PrimaIndusInd Fortuna AdvantEdgeIndusInd ODCC Linked Credit CardIDFC FIRST CorporateIDFC FIRST Business MultiplierNainital Bank RENAISSANCE BOBCARDBOBCARD SwavlambanUJJIVAN SFB Platinum BOBCARDUJJIVAN SFB Elite BOBCARDBOBCARD EMPOWERYES Bank BYOC (Cashback)YES First BusinessYES Prosperity BusinessYES Bank AI InsideSaraswat RuPay PlatinumSaraswat Secured RuPay PlatinumYES AI Inside RuPay VirtualRBL Corporate Purchase Procure+RBL RazorpayX Corporate PurchaseRBL Corporate Purchase Tax+Kotak Travel AgentKotak Privy League Platinum CorporateKotak Corporate GoldKotak Corporate ClassicKotak Corporate BasicFed StarBiz Credit CardAmex Green Corporate CardAmex Gold Corporate CardAmex Platinum Corporate CardIndusInd Saarthi BusinessIndusInd Vrddhi BusinessICICI Bank AlumniIDFC FIRST PurchaseIDFC FIRST Business MaxIDFC FIRST Micro EnterpriseIDFC FIRST BusinessAU Corporate Credit CardAU Purchase Credit CardAU Business Cashback Credit CardPNB KiwiSBM ZET Credit CardCUB SalarySe Level UPCUB SalarySe Level UP VirtualUnity Bank RoarbankEquitas Selfe SecuredEquitas PowerMiles SecuredTMB Vertex Credit CardTMB VIBE360 Credit CardKVB Eternis Credit CardKVB Altura Credit CardKVB Samara Credit CardKVB Aura Credit CardJ&K Bank Gold CardJ&K Bank Corporate CardKVB Corporate Credit CardJ&K Bank Platinum PrivilegeCanara Bank VISA CorporatePNB VISA ClassicPNB VISA GoldPNB VISA PlatinumPNB Corporate VISAPNB RRB Co-branded RuPay SelectPNB Braille RuPay SelectPNB General Credit Card RuPay PlatinumPNB Merchant Credit Card RuPay PlatinumUnion Bank VISA Business Platinum CorporateUnion MSMEEquitas TigaYES BANK RuPay VirtualYES BANK EMIYES BANK novioYES BANK novio RuPay VirtualYES Bank Uni RuPay VirtualHSBC Corporate Travel and EntertainmentAditya Birla Capital AU BizAditya Birla Capital AU FlexAditya Birla Capital AU NxtHSBC Corporate Purchasing CardAxis Bank Purchase CardAxis Bank Purchase Reward CardHDFC Bank Central Travel Account CardHDFC Bank TMC Credit CardHDFC Bank Dealer Credit CardHDFC Bank Fleet Credit CardAxis Bank Purchase Control Virtual CardAxis Bank Central Travel Account CardICICI Bank Purchase CardICICI Bank Dual Billing Purchase CardICICI Bank Utility Purchase CardICICI Bank CTA CardSBI Central Travel Account CardSBI Corporate Virtual CardSBI Corporate Purchase CardSBI Corporate Utility CardKotak Purchase Credit CardKotak Virtual Purchase Credit CardKotak Central Travel Account Credit CardKotak Shorter Billing Cycle Credit CardAmerican Express Business Travel AccountAmerican Express Corporate Purchasing CardHSBC Central Travel CardHSBC Virtual Card for BusinessBOBCARD Easy (FD Backed)BOBCARD Select (FD Backed)BOBCARD Premier (FD Backed)IB-VISA-BusinessYES First CorporateYES Bank Zaggle CorporateYES Prosperity Purchase Credit CardYES BANK RazorpayX Purchase Credit CardAmex SmartEarnPNB LUXURA Metal (RuPay)PNB LUXURA Metal (Visa Infinite)PNB Zaggle TwinCanara Bank Select / World / SignatureCanara Bank PlatinumPNB SALARY RuPay SelectPNB BLISSPNB SALARY RuPay PlatinumPNB EMT RuPay PlatinumPNB RuPay PlatinumPNB Patanjali RuPay SelectPNB RuPay MillennialPNB Visa SignaturePNB RuPay SelectDoctor's SBI CardDelhi Metro SBI CardCentral SBI Select CardRBL Platinum ClassicRBL PopcornHDFC Bank Business Regalia FirstEquitas Elegance HDFC BankEquitas Excite HDFC BankPharmEasy HDFC BankHDFC Bank Regalia FirstSnapdeal HDFC BankAmazon Pay Kotak Business Credit CardKotak Delight PlatinumBOBCARD PrimeCanara Bank Classic / StandardCanara Bank GoldIB-VISA-BharatIB-VISA-GoldIB-VISA-PlatinumIB-RuPay-ClassicIB-RuPay-PlatinumIB-RuPay-SelectIndian Bank Secured (VISA / RuPay)Rupeek Indian Bank Gold BackedAxis Bank Easy GoldAxis Bank My ChoiceAxis Bank BuzzAxis Bank InfiniteIKEA Family Axis BankIOB SalarySe Rise UPIOB ZET CardPNB Patanjali RuPay PlatinumMine Credit Card by ICICI BankBOBCARD ConQRBOBCARD Micro EnterpriseBOBCARD CORPORATEYES Bank NIYOAxis Bank My Zone InstantAxis Bank Secured SilverBOI RuPay Select Credit CardBOI RuPay Bharat Platinum Credit CardBOI Visa Platinum International Credit CardBOI Master Platinum International Credit CardBOI RuPay Platinum International Credit CardBOI SwaDhan RuPay Platinum Credit CardBOI Visa Gold International Credit CardGoogle Pay Flex SBI CardPNB Rakshak RuPay PlatinumPNB Rakshak RuPay SelectPNB ParakramPNB Premium Metal LUXURAEquitas Tiga SecuredHDFC Bank Business ProgramKotak InfiniteAxis Bank Vistara Infinite Credit CardSamsung Axis Bank InfiniteAxis Bank Vistara Signature Credit CardAxis Bank Vistara Credit CardIndusInd Signature VisaIndusInd Platinum AuraPoonawalla Fincorp IndusInd eLITE RuPayEtihad Guest SBI Premier CardEtihad Guest SBI CardAxis Bank AURAManchester United ICICI SignatureManchester United ICICI PlatinumYatra SBI CardFabindia SBI CardAditya Birla SBI CardRBL Titanium DelightRBL Bank Fun+RBL Bank MoCashRBL Bank MoneyTapRBL Monthly TreatsRBL Cookies (pre-2021)Central SBI Select+ CardNature's Basket SBI CardNature's Basket SBI Card ELITETATA CardTATA Card SELECTTATA Croma CardTATA Croma Card SELECTTATA Star CardTATA Star Card SELECTIRCTC SBI CardAditya Birla SBI Card SELECTFabindia SBI Card SELECTFBB SBI StyleUp Card6E Rewards IndiGo HDFC Bank6E Rewards XL IndiGo HDFC BankHDFC Bank All MilesBest Price Save Max HDFC BankBest Price Save Smart HDFC BankHDFC Bank BharatHDFC Bank Business GoldHDFC Bank Business PlatinumHDFC Bank Business RegaliaCSC Small Business MoneyBack HDFC BankHDFC Bank Diners Club Black (non-metal)HDFC Bank Diners Club MilesHDFC Bank Diners Club PremiumHDFC Bank Diners Club RewardzHDFC Bank Doctor's RegaliaHDFC Bank Doctor's SuperiaHDFC Bank Easy EMIHDFC Bank H.O.G Diners ClubInterMiles HDFC Bank Diners ClubInterMiles HDFC Bank PlatinumInterMiles HDFC Bank SignatureJetPrivilege HDFC Bank TitaniumHDFC Bank MoneyBack (original)Maruti Suzuki NEXA AllMiles HDFC BankPine Labs HDFC BankPine Labs HDFC Bank ProHDFC Bank Platinum EdgeHDFC Bank Platinum PlusRetailio HDFC Bank BusinessHDFC Bank SolitaireHDFC Bank SuperiaHDFC Bank Teachers PlatinumHDFC Bank Times PlatinumHDFC Bank Titanium EdgeHDFC Bank Titanium TimesHDFC Bank Visa SignatureHDFC Bank World MasterCardICICI SignatureICICI Ascent AmexICICI Platinum IdentityICICI UnifareAccelero ICICIICICI HPCL PlatinumIndusInd Iconia VisaIndusInd Platinum SelectIndusInd Aura Edge GovernmentClub Vistara IndusInd ExplorerYES Bank anQ PhiYES Prosperity RewardsYES Bank FREOKotak Veer SelectKotak Veer PlatinumKotak Urbane GoldPVR Kotak GoldPVR Kotak PlatinumClub Vistara IDFC FIRSTEdge Federal Bank Visa Credit CardBoM Credit CardBank of Maharashtra SecuredInterMiles IndusInd Bank Odyssey Credit CardInterMiles IndusInd Bank Voyage Credit CardInterMiles ICICI Bank Coral Credit CardInterMiles ICICI Bank Sapphiro Credit CardInterMiles ICICI Bank Rubyx Credit CardHDFC Bank Business MoneyBackHDFC Bank Business Bharat CashBackHDFC Bank Business FreedomHDFC Bank Corporate Signature / WorldAxis Bank AdvantageAxis Bank Insta EasyOLA Money SBI CardCiti PremierMiles CardCiti Prestige Credit CardCiti Rewards Credit CardIndianOil Citi Credit CardCiti Cash Back Credit CardFirst Citizen Citi Credit CardIKEA Family Credit Card by CitiCitiBusiness Credit CardIndianOil CitiBusiness Credit CardKotak IndiGo 6E RewardsKotak IndiGo 6E Rewards XLRBL Bank YOUniqueKotak Essentia PlatinumKotak Feast GoldKotak Fortune GoldStandard Chartered Emirates WorldStandard Chartered Landmark Rewards PlatinumStandard Chartered Yatra PlatinumStandard Chartered Bandhan OneStandard Chartered Bandhan PlusStandard Chartered Bandhan XclusiveStandard Chartered Platinum EliteStandard Chartered Bajaj Finserv PlatinumStandard Chartered Bajaj Finserv WorldStandard Chartered Gold RewardsAmpliFi (Federal Bank)SimpliFi (Federal Bank)MagniFi (Federal Bank)Jet Airways Amex PlatinumAmex PAYBACK Credit CardAxis Bank Secured GoldAxis Bank Platinum SecuredAxis Bank Flipkart SecuredAxis Bank VISA GoldAxis Bank VISA SilverICICI Bank Ferrari PlatinumICICI Bank Ferrari SignatureHSBC Smart ValueBajaj Finserv DBS 5X SuperCardBajaj Finserv DBS 5X Plus SuperCardBajaj Finserv DBS 7X SuperCardBajaj Finserv DBS 7X Plus SuperCardBajaj Finserv DBS 10X Signature SuperCardBajaj Finserv DBS 10X Plus SuperCardBOI India CardHDFC Bank GoldHDFC Bank Woman's GoldHDFC Bank TitaniumHDFC Bank Solitaire PremiumHDFC Bank SilverHDFC Bank Value PlusICICI Bank CarbonAxis Bank MY BusinessKingfisher Airlines ICICI Bank WorldKingfisher Airlines ICICI Bank PlatinumKingfisher Airlines ICICI Bank TitaniumBritish Airways ICICI Bank PremiumBritish Airways ICICI Bank ClassicKotak Best Price BusinessHDFC Bank Doctor's PlatinumICICI Bank Jet Airways Business AdvantageICICI Bank Air Deccan GoldJet Airways Citibank TitaniumJet Airways Citibank SilverJet Airways Citibank PlatinumJet Airways CitiBusinessDiners Club International British AirwaysTaj Epicure Diners ClubDelhi Metro CitibankKotak Solaris PlatinumKotak Aqua GoldKotak Silk Inspire PlatinumMETRO KotakIndusInd PAYBACK Credit CardPMC Bank RuPay PlatinumPMC Bank RuPay SelectPMC Bank RuPay Platinum SecuredPMC Bank RuPay Select SecuredCitibank Platinum Credit CardCitibank Gold Credit CardCitibank Silver Credit CardCitibank Choice Credit CardCitibank Woman's Credit CardCitibank Woman's Visa Mini CardCRY Citibank Credit CardWWF Citibank Credit CardMTV Citibank Credit CardHutch Citibank Credit CardReliance Gold Credit CardReliance Silver Credit CardMaruti Suzuki AutoCardRoyal Sundaram Citibank Gold Credit CardIndianOil Citibank Credit CardDiners Club International Citibank Credit CardCiti Titanium Cash Rewards Credit CardFirst Citizen Citibank Platinum Credit CardInternational Times Citibank CardCitibank Ultima Credit CardCiti Corporate Credit CardCitibank Rewards Domestic Credit CardPaytm Credit Card by CitiABN AMRO FreedomABN AMRO Smart GoldABN AMRO OneABN AMRO MakeMyTrip GOABN AMRO Titanium OneABN AMRO Smart Miles TitaniumABN AMRO PlatinumABN AMRO New GoldABN AMRO BaristaABN AMRO AdlabsABN AMRO Max Healthcare WellnessYatra Barclaycard PlatinumBarclaycard GoldBarclaycard Smart BudgetBarclaycard PlatinumBarclays Premier League BarclaycardTimes Card from Barclaycard and TimesofMoneyDeutsche Bank Miles & More SignatureDeutsche Bank Miles & More PlatinumDeutsche Bank WorldMiles SignatureDeutsche Bank WorldMiles PlatinumHSBC Advance PlatinumFederal Bank SBI Platinum CardHDFC Bank SAP Concur PrimeHDFC Bank Health Plus InternationalHDFC Bank eSeva International SilverHDFC Bank Idea International SilverHDFC Bank Idea International GoldICICI Bank Singapore Airlines Visa PlatinumAxis Bank Titanium Smart TravelerAxis Bank Trust ChemistsAxis Bank ShriramICICI Bank Classic Business CardSBI Card ELITE BusinessSBI Card PRIME BusinessDeutsche Bank SignatureDeutsche Bank PlatinumDeutsche Bank Platinum SelectDeutsche Bank Matrix PlatinumDeutsche Bank Landmark PlatinumDeutsche Bank SmartGoldDeutsche Bank Landmark GoldDeutsche Bank ClassicDeutsche Bank db businessHSBC MakeMyTrip SignatureHSBC MakeMyTrip PlatinumHSBC WestsideHSBC Spencer's Retail ClassicAir India American Express GoldAir India American Express Credit CardAir India American Express GreenAmex Kingfisher FirstChennai Metro SBI CardMumbai Metro SBI CardSBI Platinum CardSBI Signature CardSpiceJet SBI CardSBI Railway CardSBI Gold & More CardSBI Silver & More CardSBI Maruti CardSBI Vishal Mega Mart CardSBI Advantage Plus CardFederal Bank SBI Gold 'N MoreStandard Chartered Preferred World MastercardSBI Card ELITE AdvantageSBI Card PRIME AdvantageSimplyCLICK Advantage SBI CardSimplySAVE Advantage SBI CardHSBC GoldHSBC ClassicCenturion Bank of Punjab Miracle CardBank of Rajasthan Gold Credit CardBank of Rajasthan Silver Credit CardBank of Rajasthan Individual-Liability Corporate CardBank of Rajasthan Corporate-Liability Corporate CardHDFC Bank Distributor CardAmex MakeMyTrip Credit CardAmex Gold Credit CardAmex HPCL RPM Credit CardStandard Chartered Simply CashING Vysya Bank Galaxia Credit CardING Vysya Bank Solaris Credit CardUnited Western Bank IndiaCardAndhra Bank Signature Credit CardAndhra Bank VISA Platinum Credit CardAndhra Bank VISA Gold Credit CardAndhra Bank VISA Classic Credit CardAndhra Bank MasterCard Credit CardAndhra Bank MasterCard Electronic Credit CardAndhra Bank VISA Corporate Credit CardVijaya Bank RuPay Credit CardVijaya Bank VISA Global Chip CardVijaya Bank VISA Classic Chip CardVijaya Bank VISA Nurses CardVijaya Bank VISA Doctors CardVijaya Bank Platinum Jubilee Credit CardCorporation Bank Visa Signature Credit CardCorporation Bank Visa Platinum Credit CardICICI Bank HPCL GoldICICI Bank HPCL SilverICICI Bank Big Bazaar GoldICICI Bank Big Bazaar SilverICICI Bank Big Bazaar ShaktiICICI Bank Central GoldICICI Bank Future GoldICICI Bank Future SilverICICI Bank Airtel GoldICICI Bank Airtel SilverICICI Bank IndiatimesToyota ICICI Bank Co-BrandedICICI Bank Gitanjali JewelleryICICI Bank MegamartICICI Bank Sarovar HotelsICICI Bank Orchid on EcotelICICI Bank AmwayICICI Bank XBOX360ICICI Bank CESC Co-BrandedICICI Bank HelpAge India AffinityICICI Bank PRU LifeICICI Bank Federal Bank GoldICICI Bank Federal Bank SilverICICI Bank Punjab & Sind GoldICICI Bank Punjab & Sind SilverICICI Bank Punjab & Sind BlueSyndicateBank Global Credit Card ClassicSyndicateBank Global Credit Card GoldDena Bank DENACARD VisaCorporation Bank Visa Gold Credit CardVijaya Bank Classic Credit CardVijaya Bank VISA Gold Credit CardVijaya Bank MasterCard Global Credit CardAllahabad Bank India CardSBI Gold CardSBI Dena Bank Secured CardIndusInd Bank Chelsea FC Credit CardIndusInd Bank Gold Credit CardRBL Bank Cricket Credit CardBOBCARD Bombay BullionRBL IGU NHS Golf World CardRBL India Startup Club WorldRBL India Startup Club PlatinumRBL CrownitRBL HyperCITY Reward PlusRBL HyperCITY RewardRBL Classic RewardRBL Classic ShopperRBL Platinum CricketRBL Edition BlackRBL Freedom SuperCardRBL Edition ClassicSBI Advantage Gold CardSBI Student Plus Advantage CardSBI Mumbai CardSBI Apna Bazaar CardLG SBI CardSBI Social CardSBI Lifestyle Credit CardSBI UBI Gold CardSBI UBI CardSBI Advantage Platinum CardSBI Advantage Signature CardBajaj Finserv RBL Bank CA SuperCardBajaj Finserv RBL Bank Doctor's SuperCardETMONEY RBL Bank LoanPass Credit CardRBL Bank Crossword Black Credit CardRBL Bank Crossword Rewards Credit CardRBL Club ConciergeSBI Gold Card (pre-2009)SBI Advantage Card (pre-2009)SBI Employee CardHero Honda SBI CardGoAir SBI CardRBL Bank Practo Plus Credit CardEasyday Kotak Titanium CardEasyday Kotak Silver CardLIC Axis Bank TitaniumLIC Axis Bank GoldICICI Unifare Bangalore MetroICICI Unifare Mumbai MetroIndusInd Bank Classic Credit CardIndusInd Bank Business Gold Credit CardIndusInd Bank WorldMiles Signature Credit CardIndusInd Bank WorldMiles Platinum Credit CardSBI Platinum Card (2007)SBI Gold Master CardSBI Advantage CardSBI Card for DoctorsSBI Doctors CardICICI Bank Preferred GoldICICI Bank Preferred SilverICICI Bank TitaniumICICI Bank American Express GreenCentral Bank of India MasterCard WorldCentral Bank of India RuPay SelectCentral Bank of India MasterCard TitaniumCentral Bank of India RuPay PlatinumCentral Bank of India Visa PlatinumCentral Bank of India Visa GoldCentral Bank of India Visa AspireIndusInd Bank Miles & More SignatureIndusInd Bank Miles & More PlatinumIndusInd Bank Matrix PlatinumIndusInd Bank Landmark PlatinumIndusInd Bank Landmark GoldSBI Platinum Card (2010)BOBCARD TitaniumBOBCARD Elite PlatinumBOBCARD Select PlatinumBOBCARD SignatureBOBCARD AssureBOB Financial Paytm Credit CardBOBCARD Corporate PremiumTMB India CardUnion Bank USecureBettr SBM Card
Where this comes from
Treatments are read from issuer T&C, reward annexures and FAQs (HSBC and SBI publish full MCC tables; HDFC and Amex publish only category names), corroborated by community reporting where the banks stay vague — those rows say so. Where sources conflict we keep the conservative treatment. "Rate here" is the card's first-tier earn × this category's treatment × our house ₹/point from the valuation index — the same number the wallet winner puts on a swipe. A capped card shows its rate before the cap bites; the rule text names the cap. Issuers churn these rules quarterly — a note's date is the rule's date, not ours.