Best Credit Card for Fuel

All Benefits

  • Grocery and utility spends capped at ₹2,000 per statement cycle (maximum 400 Reward Points)
  • 5% savings as Reward Points on IDFC FIRST FASTag recharges done via IDFC FIRST Bank Mobile Banking App or FIRST Forward App
  • FASTag recharge reward structure: 30 Reward Points per ₹150, capped at ₹1,000 per statement cycle (maximum 200 Reward Points)
  • 3X Rewards on UPI spends and other eligible retail transactions
  • 3 Reward Points per ₹150 on eligible UPI/other retail spends (1 Reward Point = ₹0.25)

Fees

Joining Fee Joining fee is offset through ₹500 cashback on the first fuel transaction at an HPCL fuel station.
₹589
₹499 + GST
Annual Fee The annual fee is waived if you spend ₹1.5 lakh or more in a year on your card, as per bank policy.
₹589
₹499 + GST

Eligibility

Age
21-65 years
Salary
₹25K / Month
Credit Score
750+

Bank Fee Structure

Forex Markup 1.99% Forex Markup is charged on all transactions made in currencies other than INR. This applies when you shop on international websites or swipe your card abroad at physical stores.
1.99%
Finance Charges (APR) Interest rates are dynamic and range from 0.71% to 3.85% per month (8.5%–46.2% p.a.).
3.85%
ATM Withdrawal A ₹199 fee is charged per domestic cash withdrawal, with 0% interest until the due date (up to 45 days).
₹199
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 No cheque payment fee is charged
Not Applicable
Cash Payment No Cash Payment fee is charged
Not Applicable

Late Payment Charges

Amount dueFee
₹0 - ₹100₹0
₹500₹500
₹5000₹5000
₹8000₹8000
₹10,000₹10,000
₹10,000 & above₹10,000 & above

Late payment charges are 15% of the Total Amount Due from the previous statement, minus any payments received before the due date (minimum ₹100, maximum ₹1,300).

Reward Exclusions

Insurance Premium PaymentsEMI TransactionsATM Cash WithdrawalsUtility SpendsGrocery SpendsIDFC FIRST FASTag RechargesFuel Spends Expect HPCL Fuel

Terms & Conditions

  • The bank may offer a different card variant based on your eligibility. Please carefully read the features of the card offered before submitting your application
  • A minimum transaction of Rs.100 within 30 days is required to activate the card, otherwise, you won’t be eligible for the Rewards

Full charges and terms: Bank MITC / Terms