Best fuel credit cards

Heads-up: The 10-point fuel rate stops at 1,000 Fuel Points a month, about Rs. 10,000 of fuel. Past that, fuel earns the 1-point base rate.

Heads-up: The 15-point fuel rate stops at 2,000 Fuel Points a month, which is about Rs. 13,300 of fuel. Past that, fuel earns the 2-point base rate.

Heads-up: The 5% and 3% tiers share a combined monthly cashback cap. Only the 1% base rate is uncapped.

Heads-up: The 5% and 3% tiers share a combined monthly cashback cap. Only the 1% base rate is uncapped.

Heads-up: The base rate of one Star per Rs. 500 is 0.2% back, among the lowest in this catalogue.

Heads-up: IndusInd publishes no rupee value for the point, so the 12-point fuel rate cannot be turned into a percentage and compared.

Heads-up: Cashback stops at Rs. 200 a month on fuel, Rs. 200 on phone bills and Rs. 100 on utilities — Rs. 500 a month in total, and Rs. 100 on any…

Heads-up: Wallet loads, fuel, cash withdrawals, gold and jewellery, gift cards and EMI transactions earn no cashback.

Heads-up: Complimentary domestic lounge access is granted in a quarter only if the minimum spend for the previous quarter was met.

Heads-up: The airport lounge visit is not unconditional: it needs Rs. 75,000 of spend in the preceding calendar quarter. The railway lounge visit has…

Heads-up: The airport lounge visit is not unconditional: it needs Rs. 75,000 of spend in the preceding calendar quarter. The railway lounge visit has…

Heads-up: No spend-based fee waiver is published, so the Rs. 999 plus GST fee is payable every year whatever you spend.

Heads-up: This card is secured against a fixed deposit of Rs. 2,000 or more. The deposit is locked for as long as the card is held.

Heads-up: A monthly cashback cap applies. Past it, spending earns nothing.

Heads-up: ICICI Bank states the annual card charges cannot be waived. This is the only card in our catalogue with no waiver route at any spend level.

Heads-up: Adani Reward Points redeem only through the Adani One portal or app. They cannot be taken as cashback, statement credit or airline miles.

Heads-up: Fuel, rent, wallet loads, government payments, cash advances and EMI conversions earn no reward points — a longer list than several issuers…

Heads-up: No airport lounge access. The lounge benefit is eight railway lounge visits a year.

Heads-up: 1 point per Rs. 100 redeeming at Rs. 0.20 is a 0.2% return. Rs. 50,000 of monthly spending earns about Rs. 1,200 a year.

Heads-up: Rs. 5,999 plus GST — Rs. 7,079 — with no spend-based fee waiver, only a points benefit at Rs. 8 lakh or Rs. 15 lakh of annual spending.

Heads-up: From year two the Rs. 499 fee is waived only on Rs. 8,00,000 of spending in a card year, about Rs. 67,000 a month — twenty times the…

Heads-up: 1 Reward Point per Rs. 100 is 0.25% back at the published point value — among the lowest rates in this catalogue.

Heads-up: The 7.5%, 5% and 3% rates apply only inside the Titan brand group. Everything else earns the 6-point base rate.

Heads-up: 2 Reward Points per Rs. 150 is a modest base rate, and the value depends entirely on which airline or hotel programme the points are…

Heads-up: 4 Reward Points are worth Re. 1, so the 10X tier is an effective 2.5% back and the base rate is 0.5%.

Heads-up: Rs. 5,000 plus GST is Rs. 5,900 a year, and RBL publishes no spend level at which it is waived or reversed.

Heads-up: A Reward Point is worth Rs. 0.25, so the headline 20 points per Rs. 100 is an effective 5% back, and the base rate is 0.25%.

Heads-up: Adani Reward Points redeem only through the Adani One portal or app. They cannot be taken as cashback, statement credit or airline miles.

Heads-up: The 5% stops at ₹2,000 a billing cycle. Past about ₹40,000 of online spend a month, extra spending earns the 1% base rate.

Heads-up: Fuel, rent, wallet loads, government payments, cash advances and EMI conversions earn no reward points, which also narrows which categories…

Heads-up: 4 Reward Points are worth Re. 1, so the 10X tier is an effective 2.5% back and the base rate is 0.25%.

Heads-up: Access to the domestic Centurion American Express Lounges in Delhi and Mumbai was discontinued with effect from 1 September 2023.

Heads-up: New cards on the Mastercard network were stopped under RBI direction, so this card may not be open to new applicants. Confirm availability…

Heads-up: New cards on the Mastercard network were stopped under RBI direction, so this card may not be open to new applicants. Confirm availability…

Heads-up: Reported as withdrawn from sale in May 2022, with existing cardholders migrated to SimplySAVE, SimplyCLICK or PRIME SBI Card. Confirm…

Heads-up: This variant is secured against a fixed deposit of Rs. 50,000 or more. The deposit is locked for as long as the card is held.

Heads-up: Access to the domestic Centurion American Express Lounges in Delhi and Mumbai was discontinued from 1 September 2023.

Heads-up: Reported as withdrawn from sale in May 2022, with existing cardholders migrated to SimplySAVE, SimplyCLICK or PRIME SBI Card. Confirm…

Heads-up: BluChips redeem only against IndiGo bookings, and IndiGo publishes no fixed rupee value — about Rs. 0.40 to Rs. 0.60 a chip.