Car owners spend significantly on fuel, service, insurance, and tolls. The right credit card can reduce these costs through surcharge waivers and category rewards.
Our top pick for cards for car owners is the RBL IndianOil XTRA from RBL (₹1,500 fee). Best premium pick: Platinum Card (AMEX, ₹66,000 fee). Ranked from 156 Indian credit cards Vyaya tracks, with fees and earn rates re-verified against issuer terms (October 2026).
RBL · ₹1,500 annual fee · 1% rewards
Kotak · ₹449 annual fee · 0.5% rewards
AMEX · ₹66,000 annual fee · 1.25% rewards
BoB · ₹499 annual fee · 0.33% rewards
ICICI · ₹500 annual fee · 0.5% rewards
IDFC First · ₹499 annual fee · 0.5% rewards
SBI · ₹1,499 annual fee · 0.25% rewards
SC · ₹250 annual fee · 0.17% rewards
SC · ₹750 annual fee · 0.17% rewards
Axis · ₹500 annual fee · 0.2% rewards