Verified 2026 Bank MITC Rules & RBI ExclusionsUpdated: 2026-03-01
Best Credit Cards for ₹100,000 Monthly Petrol & Diesel at Fuel Stations Spend
Top-rated credit cards for ₹100,000/mo spent on Petrol & Diesel at Fuel Stations. #1 BPCL SBI Card OCTANE yields ₹33,652 net annual value (2.8% ROI). Compare full 10-card leaderboard.
🥉 Rank #3 Bronze2.62% ROI
HDFC Diners Club Black Metal Edition
HDFC Bank
Net Annual Value+₹31,384
Full 10-Card Ranked Standings (@ ₹1,00,000/mo)
| Rank | Credit Card | Rate in Category | Gross Rewards | Effective Fee | Net Annual Benefit | Action |
|---|---|---|---|---|---|---|
| #1 | BPCL SBI Card OCTANESBI Card | 7.25% | ₹33,652 | Waived (₹0) | +₹33,652 | Apply → |
| #2 | HDFC Infinia Metal EditionHDFC Bank | 0% Excluded | ₹31,384 | Waived (₹0) | +₹31,384 | Apply → |
| #3 | HDFC Diners Club Black Metal EditionHDFC Bank | 0% Excluded | ₹31,384 | Waived (₹0) | +₹31,384 | Apply → |
| #4 | Myntra Kotak Credit CardKotak Mahindra Bank | 0% Excluded | ₹19,370 | Waived (₹0) | +₹19,370 | Apply → |
| #5 | Swiggy HDFC Bank Credit CardHDFC Bank | 0% Excluded | ₹19,200 | Waived (₹0) | +₹19,200 | Apply → |
| #6 | Tata Neu Infinity HDFC Credit CardHDFC Bank | 0% Excluded | ₹16,852 | Waived (₹0) | +₹16,852 | Apply → |
| #7 | Airtel Axis Bank Credit CardAxis Bank | 0% Excluded | ₹16,722 | Waived (₹0) | +₹16,722 | Apply → |
| #8 | HSBC Live+ Credit CardHSBC India | 0% Excluded | ₹16,174 | Waived (₹0) | +₹16,174 | Apply → |
| #9 | YES BANK Marquee Credit CardYES BANK | 0% Excluded | ₹15,561 | Waived (₹0) | +₹15,561 | Apply → |
| #10 | HDFC Regalia Gold Credit CardHDFC Bank | 0% Excluded | ₹15,214 | Waived (₹0) | +₹15,214 | Apply → |
| #11 | SBI Cashback Credit CardSBI Card | 0% Excluded | ₹15,130 | Waived (₹0) | +₹15,130 | Apply → |
| #12 | IndianOil RBL Bank Xtra Credit CardRBL Bank | 8.5% | ₹14,713 | Waived (₹0) | +₹14,713 | Apply → |
| #13 | American Express Membership Rewards Credit CardAmerican Express | 0% Excluded | ₹14,165 | Waived (₹0) | +₹14,165 | Apply → |
| #14 | HDFC Millennia Credit CardHDFC Bank | 0% Excluded | ₹13,670 | Waived (₹0) | +₹13,670 | Apply → |
| #15 | Flipkart Axis Bank Credit CardAxis Bank | 0% Excluded | ₹12,417 | Waived (₹0) | +₹12,417 | Apply → |
| #16 | Axis Bank Atlas Credit CardAxis Bank | 0% Excluded | ₹17,113 | ₹5,900 | +₹11,213 | Apply → |
| #17 | Amazon Pay ICICI Bank Credit CardICICI Bank | 0% Excluded | ₹11,061 | Waived (₹0) | +₹11,061 | Apply → |
| #18 | Ixigo AU Credit CardAU Small Finance Bank | 0% Excluded | ₹8,935 | Waived (₹0) | +₹8,935 | Apply → |
| #19 | IDFC FIRST Wealth Credit CardIDFC FIRST Bank | 0% Excluded | ₹7,904 | Waived (₹0) | +₹7,904 | Apply → |
| #20 | Standard Chartered Smart Credit CardStandard Chartered Bank | 0% Excluded | ₹7,148 | Waived (₹0) | +₹7,148 | Apply → |
| #21 | Kiwi RuPay Credit Card with NeonAxis Bank | 0% Excluded | ₹6,209 | Waived (₹0) | +₹6,209 | Apply → |
| #22 | SBI SimplyCLICK Credit CardSBI Card | 0% Excluded | ₹6,157 | Waived (₹0) | +₹6,157 | Apply → |
| #23 | IndusInd Bank Tiger Credit CardIndusInd Bank | 0% Excluded | ₹5,504 | Waived (₹0) | +₹5,504 | Apply → |
| #24 | Jupiter Edge CSB Bank RuPay Credit CardCSB Bank | 0% Excluded | ₹5,468 | Waived (₹0) | +₹5,468 | Apply → |
| #25 | IndusInd Bank Legend Credit CardIndusInd Bank | 0% Excluded | ₹3,770 | Waived (₹0) | +₹3,770 | Apply → |
| #26 | IDFC FIRST Select Credit CardIDFC FIRST Bank | 0% Excluded | ₹3,443 | Waived (₹0) | +₹3,443 | Apply → |
| #27 | OneCard Metal Credit CardFederal Bank | 0% Excluded | ₹3,203 | Waived (₹0) | +₹3,203 | Apply → |
| #28 | ICICI Bank Coral RuPay Credit CardICICI Bank | 0% Excluded | ₹2,361 | Waived (₹0) | +₹2,361 | Apply → |
| #29 | ICICI Bank Sapphiro Credit CardICICI Bank | 0% Excluded | ₹2,257 | Waived (₹0) | +₹2,257 | Apply → |
| #30 | Axis Bank Magnus Credit CardAxis Bank | 0% Excluded | ₹12,772 | ₹14,750 | +-₹1,978 | Apply → |
Frequently Asked Questions
Which credit card ranks #1 for ₹100,000/month spent on Petrol & Diesel at Fuel Stations?▼
BPCL SBI Card OCTANE ranks #1, generating ₹33,652 gross rewards and ₹33,652 in net annual value (2.8% effective yield) after deducting annual fees.
How does the runner-up compare to the winner?▼
The #2 card is HDFC Infinia Metal Edition delivering ₹31,384 net annual value. BPCL SBI Card OCTANE outperforms it by ₹2,268/year.
Which credit cards should I avoid for Petrol & Diesel at Fuel Stations?▼
Avoid HDFC Infinia Metal Edition, HDFC Diners Club Black Metal Edition, Myntra Kotak Credit Card, as they provide 0.0% rewards on Petrol & Diesel at Fuel Stations due to bank category exclusions.
Will the annual fee of the winning card be waived?▼
For BPCL SBI Card OCTANE at ₹1,200,000 annual spend, the fee is waived (₹0 effective fee).