Curated Picks|Updated August 2026

Best Cards for Car Owners (August 2026)

Car owners spend significantly on fuel, service, insurance, and tolls. The right credit card can reduce these costs through surcharge waivers and category rewards.

How to Choose

Fuel surcharge waiver is the primary benefit for car owners
Check if the card rewards road toll payments
Some cards offer discounts at service centres and accessory brands

Top 10 Cards for Cards for Car Owners

RBL IndianOil XTRA

RBL · ₹1,500 annual fee · 1% rewards

Kotak IndianOil

4.5

Kotak · ₹449 annual fee · 0.5% rewards

Platinum Card

4.2

AMEX · ₹66,000 annual fee · 1.25% rewards

Bank of Baroda HPCL ENERGIE

BoB · ₹499 annual fee · 0.33% rewards

ICICI HPCL Super Saver

ICICI · ₹500 annual fee · 0.5% rewards

IDFC First Power+

IDFC First · ₹499 annual fee · 0.5% rewards

SBI BPCL OCTANE

SBI · ₹1,499 annual fee · 0.25% rewards

Standard Chartered Platinum Rewards

SC · ₹250 annual fee · 0.17% rewards

Standard Chartered Super Value Titanium

SC · ₹750 annual fee · 0.17% rewards

#10

Axis IndianOil

Axis · ₹500 annual fee · 0.2% rewards

Frequently Asked Questions

Which credit card saves the most on fuel?

IndianOil Axis Bank, BPCL SBI Card, and HPCL ICICI offer the best fuel-specific savings. Most premium cards also include fuel surcharge waivers as a standard perk.