Best Credit Card for Fuel

All Benefits

  • Earn 5% monthly Cashback on IRCTC Bookings, cashback counted within ₹150 monthly cap
  • Upto ₹1,000 cashback on in-app shopping across 200+ brands via PayZapp
  • Earn 5% cashback on spends on PayZapp, EasyEMI & SmartBuy; 1 Reward Point = ₹1; combined cashback capped at ₹150 per month across all 5% categories
  • Earn 5% cashback on fuel, grocery, bill payments & mobile recharge; combined cashback capped at ₹150 per month across all 5% categories
  • Get up to 10% cashback on flight & hotel bookings, gift vouchers & more via SmartBuy

Fees

Joining Fee The joining fee is not offset by any bonus or credit.
₹590
₹500 + GST
Annual Fee The annual fee is waived if you spend ₹50 thousand or more in a year on your card, as per bank policy.
₹590
₹500 + GST

Eligibility

Age
21-60 years
Salary
₹16.7K / Month
Credit Score
720+

Bank Fee Structure

Forex Markup 3.5% forex markup is charged on transactions made in currencies other than INR. Applies to international POS payments and online purchases charged in foreign currency. Examples (3.5%): ₹100 → ₹3.5 ₹1,000 → ₹35 ₹10,000 → ₹350 ₹1,00,000 → ₹3,500
3.50%
Finance Charges (APR) Finance charges of 3.60% per month (43.2% per annum) apply on unpaid outstanding balances until the amount is fully repaid.
3.60%
ATM Withdrawal 2.5% of the withdrawn amount is charged on cash advances using the credit card (minimum ₹500, if applicable).
2.50%
Reward Redemption A reward redemption handling fee of ₹99 plus applicable GST is charged per redemption request.
₹99
Railway Surcharge A surcharge of 1% is applied to transactions made for booking railway tickets.
1%
Rent Payment 1% of the transaction amount is charged as a fee on rent payment transactions, subject to applicable GST and platform charges
1%
Cheque Payment ₹25 for cheque value up to ₹5,000 and ₹50 for cheque value above ₹5,000.
₹25
Cash Payment ₹100 cash payment fee per deposit.
₹100

Late Payment Charges

Amount dueFee
₹0 – ₹100₹0
₹101 – ₹500₹100
₹501 – ₹5,000₹500
₹5,001 – ₹10,000₹600
₹10,001 – ₹25,000₹800
₹25,001 – ₹50,000₹1,100
₹50,001 and above₹1,300

Additional ₹100 is charged if Minimum Amount Due remains unpaid for two consecutive cycles, continuing until cleared.

Reward Exclusions

Wallet LoadsRent PaymentsGovernment PaymentsEducational FeesEMI Spends

Terms & Conditions

  • Only MCCs recognized by RuPay for eligible categories will earn cashback.

Full charges and terms: Bank MITC / Terms