Top Five Diesel Fuel Cards in India (2025)

With diesel prices rising steadily in India, fuel expenses are one of the biggest concerns for truck owners, logistics companies, and businesses that depend on regular travel. To address this, many are turning to diesel fuel cards, which not only simplify payments but also offer cashback, rewards, and surcharge waivers. These cards have become an essential financial tool for both individuals and fleet operators looking to cut costs.

Why Diesel Fuel Cards Matter

For anyone with high diesel consumption, fuel cards offer far more than convenience. They provide a 1% fuel surcharge waiver, reward points on every transaction, and cashback benefits that directly reduce expenses. Businesses managing multiple vehicles also benefit from digital payment tracking, which makes expense management smoother. Beyond fuel savings, several cards include value-added perks like lounge access, milestone rewards, and exclusive partner discounts. In short, diesel fuel cards are a smart way to save money while keeping business operations efficient.

IndianOil RBL Bank XTRA Credit Card

The IndianOil RBL Bank XTRA Credit Card is one of the most rewarding options in 2025. It offers up to 8.5% value-back in the form of reward points on diesel spends at IndianOil outlets. Users also enjoy a 1% fuel surcharge waiver, making it ideal for fleet owners who frequently refuel at IOCL stations. With its high value-back percentage, this card is best suited for heavy diesel users who want maximum returns on every litre purchased.

BPCL SBI Card Octane

For those who prefer Bharat Petroleum outlets, the BPCL SBI Card Octane is a powerful choice. This card delivers up to 7.25% savings on fuel spends, along with milestone rewards, welcome gifts, and access to airport lounges. Its additional lifestyle perks make it particularly attractive to highway travellers and long-distance drivers who often refuel at BPCL stations.

ICICI HPCL Super Saver Credit Card

The ICICI HPCL Super Saver Credit Card offers up to 6.5% savings on diesel purchases at Hindustan Petroleum pumps. Designed with small business owners and commercial vehicle operators in mind, it combines cashback benefits with customised offers. Its rewards structure makes it an excellent option for businesses with regular refuelling needs at HPCL outlets.

IndianOil Axis Bank Premium Credit Card

This card strikes a balance between fuel and lifestyle benefits. The IndianOil Axis Bank Premium Credit Card offers up to 6% value-back on diesel purchases at IndianOil stations. In addition, it rewards users for everyday expenses like groceries and utility payments. With the added perk of domestic lounge access, it appeals to individuals who want to enjoy both fuel savings and broader lifestyle privileges in a single card.

IDFC FIRST Power+ Credit Card

The IDFC FIRST Power+ Credit Card is an affordable yet rewarding choice. It offers up to 6.5% cashback on diesel purchases at HPCL pumps. With a low joining fee and flexible annual fee waivers, this card is well-suited for individual truck owners and small fleet operators. It is particularly popular among users who want strong benefits without high yearly charges.

How to Choose the Right Diesel Fuel Card

The best diesel card depends on your primary refuelling preference. If your fleet mainly uses IndianOil outlets, the RBL Bank XTRA or Axis Bank Premium cards are the most beneficial. For Bharat Petroleum users, the SBI BPCL Octane card offers unmatched value. Meanwhile, Hindustan Petroleum customers should consider either the ICICI HPCL Super Saver or IDFC FIRST Power+ cards. Along with brand partnerships, it is also important to compare factors like annual fees, redemption flexibility, and extra perks before making a final choice.

Final Thoughts

Diesel fuel cards are no longer just an optional convenience—they have become a necessity for cost-conscious drivers and businesses in India. With benefits such as surcharge waivers, cashback, and digital payment tracking, these cards can help save thousands of rupees each year. By selecting a card that matches your fuel station preference and business needs, you can ensure every refill translates into meaningful savings. In 2025, a well-chosen diesel fuel card could be the smartest way to manage rising fuel expenses while keeping your operations running smoothly.