Best Credit Card for IndianOil
We compared 339 Indian credit cards on actual reward rates for IndianOil purchases. Rates verified from bank-published T&Cs — no third-party data.
Top pick
IndianOil RBL Bank XTRA Credit Card 7.50%
Top 10 cards for IndianOil
ranked by effective %- Best for IndianOil1mastercardRBL Bank
IndianOil RBL Bank XTRA Credit Card
≈ 7.5% effective
Annual fee: ₹1.5K✓ IndianOil-specificApply7.50%
effective
- 2visaSBI Card
BPCL SBI Card OCTANE
≈ 6.25% effective — Brand markets as 7.25% value back (6.25% RP + 1% fuel surcharge waiver)
Annual fee: ₹1.5K✓ Fuel categoryApply6.25%
effective
- 4visaICICI Bank
ICICI HPCL Super Saver Credit Card
≈ 5% effective — 5% total savings on HPCL fuel + HP Pay app (4% cashback + 1% surcharge waiver), cashback cap ₹200/mo
Annual fee: ₹500✓ Fuel categoryApply5.00%
effective
- 5visaHDFC Bank
IndianOil HDFC Bank Credit Card
≈ 5% effective — 5% on IOCL pumps. Cap drops from 250 FP/month → 150 FP/month after 6 months.
Annual fee: ₹500✓ IndianOil-specificApply5.00%
effective
- 6rupayKotak Mahindra Bank
IndianOil Kotak Credit Card
≈ 4% effective — 24 RP / ₹150 at IndianOil pumps; max 1,200 RP per cycle
Annual fee: ₹449✓ IndianOil-specificApply4.00%
effective
- 7rupayBank of Baroda
HPCL Energie RuPay BOBCARD Credit Card
≈ 4% effective — 24 RP per ₹150 = 4% + 1% fuel surcharge waiver = 5% total savings
Annual fee: FREE✓ Fuel categoryApply4.00%
effective
- 9visaAxis Bank
IndianOil Axis Bank Premium Credit Card
≈ 4% effective — 5X accelerated + 1X base = 6X total at IOCL. Capped at ₹15K monthly IOCL spend
Annual fee: ₹1K✓ IndianOil-specificApply4.00%
effective
- 10visaSBI Card
BPCL SBI Credit Card
≈ 3.25% effective — Standard BPCL SBI markets as ~4.25% (13X RP + 1% fuel surcharge waiver).
Annual fee: ₹499✓ Fuel categoryApply3.25%
effective
Frequently asked
Based on current bank-published rates, the IndianOil RBL Bank XTRA Credit Card (RBL Bank) gives the best rewards on IndianOil at 7.50% — 15 per ₹100. Ri8Lane ranks 340+ Indian credit cards from HDFC, ICICI, Axis, SBI, American Express and more by their actual effective rate.
