Friday, June 14

Fuel Credit Card Tips and Strategies: How to Make the Most of Your Card?

Fuel Credit Cards are a suitable and rewarding option if you frequently commute or use your vehicles for daily transportation. These cards offer various benefits that can help you save money and maximize the value of your fuel purchases. 

These credit cards offer everything from fuel surcharge waivers to redeemable reward points. But to truly benefit from these cards and maximize your credit card eligibility, you must read the fine print to understand how they work. This article will discuss different Fuel Credit Cards, including their benefits, so you can make an informed choice regarding the Fuel Card that aligns with your financial goals. Read on to explore tips to optimize Fuel Card benefits and enhance your credit card eligibility.

Tips for Optimising Benefits Offered by Fuel Credit Cards

Here are some of the tips that will help you decide on the best Fuel Card:

Know Your Habits

Before applying for a Fuel Card, find out your personal fuel habits, like where you refuel your vehicle (a specific petrol pump or any other petrol pump) and your average monthly fuel bill. These factors need to be considered since the rewards or waiver depends on your habits. 

Let’s take the BPCL SBI Credit Card to make things easier. 

Fuel Surcharge Waiver:

You can only avail offers from BPCL if you always refuel at BPCL petrol pumps. You get 4.25% value back which includes a 3.25% + 1% fuel surcharge waiver. The maximum waiver you can avail per month is Rs 100. 

Other benefits

Get 2000 Activation Bonus reward points worth Rs 500 on paying the joining fee. 

Non-Fuel Transactions

Every non-fuel transaction gets you one reward point for every Rs 100 spent on non-fuel retail purchases.

Understand the Benefits

Fuel Cards have a variety of offers, and you need to decide if these apply to you. 

Concierge Services

The Indian Oil Kotak Credit Card by Kotak Mahindra Bank, for example, offers concierge services. This feature will be useful if you eat out regularly, play golf, watch movies frequently, and send gifts to friends and relatives. 


If you spend over Rs 50,000, an annual fee of Rs 449 is waived off. In addition to that, you get reward points for spending on fuel, groceries, and dining. Fuel spending can earn you 1200 reward points in every payment cycle. Grocery and dining can earn 800 reward points per cycle.

Fuel Surcharge Waiver

You get a 1% fuel surcharge waiver if you spend between Rs 100 and Rs 5000. The maximum benefit you get is Rs 100. 

Find Cards Without Upper Limits

There are Fuel Cards that don’t have upper limits, whether it’s fuel reward points or surcharge waivers. If you spend a lot on fuel due to your lifestyle, then the Indian Oil Citi Credit Card is ideal for you. Here are some amazing features of this card: 

Reward Points on Fuel

Unlike most Fuel Cards, there is no limit on the reward points you can earn per cycle. If you have a high fuel billing, this card offers unlimited rewards to you. Every Rs 150 spent by you earns you 4 turbo points.

The annual fee is waived if you spend Rs 30000 or more on fuel.

Surcharge Waiver

Most Fuel Credit Cards have a limit of 1% to 3% for a surcharge waiver on fuel. But with this Credit Card, there is no cap on the surcharge. Whatever your surcharge, the entire amount is waived, ensuring huge savings annually. 

Also Read: What Is Credit Card Number & How It Helps?


With multiple fuel brands tying up with Credit Card companies, you have plenty of options to choose from for credit card comparison. There are huge savings to be made with Fuel Cards, and you need to compare the benefits online before you apply for your first Credit Card. Keep in mind that you don’t need to change your lifestyle to benefit from Fuel Cards, but choose the benefits that suit your lifestyle.

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