Verified 2026 Bank MITC Rules & RBI ExclusionsUpdated: 2026-03-01
Best Credit Cards for ₹200,000 Monthly Petrol & Diesel at Fuel Stations Spend
Top-rated credit cards for ₹200,000/mo spent on Petrol & Diesel at Fuel Stations. #1 HDFC Infinia Metal Edition yields ₹62,768 net annual value (2.62% ROI). Compare full 10-card leaderboard.
🥈 Rank #2 Silver2.62% ROI
HDFC Diners Club Black Metal Edition
HDFC Bank
Net Annual Value+₹62,768
Full 10-Card Ranked Standings (@ ₹2,00,000/mo)
| Rank | Credit Card | Rate in Category | Gross Rewards | Effective Fee | Net Annual Benefit | Action |
|---|---|---|---|---|---|---|
| #1 | HDFC Infinia Metal EditionHDFC Bank | 0% Excluded | ₹62,768 | Waived (₹0) | +₹62,768 | Apply → |
| #2 | HDFC Diners Club Black Metal EditionHDFC Bank | 0% Excluded | ₹62,768 | Waived (₹0) | +₹62,768 | Apply → |
| #3 | Swiggy HDFC Bank Credit CardHDFC Bank | 0% Excluded | ₹38,400 | Waived (₹0) | +₹38,400 | Apply → |
| #4 | BPCL SBI Card OCTANESBI Card | 7.25% | ₹37,304 | Waived (₹0) | +₹37,304 | Apply → |
| #5 | Myntra Kotak Credit CardKotak Mahindra Bank | 0% Excluded | ₹37,174 | Waived (₹0) | +₹37,174 | Apply → |
| #6 | Tata Neu Infinity HDFC Credit CardHDFC Bank | 0% Excluded | ₹33,704 | Waived (₹0) | +₹33,704 | Apply → |
| #7 | YES BANK Marquee Credit CardYES BANK | 0% Excluded | ₹31,122 | Waived (₹0) | +₹31,122 | Apply → |
| #8 | HDFC Regalia Gold Credit CardHDFC Bank | 0% Excluded | ₹30,428 | Waived (₹0) | +₹30,428 | Apply → |
| #9 | SBI Cashback Credit CardSBI Card | 0% Excluded | ₹30,261 | Waived (₹0) | +₹30,261 | Apply → |
| #10 | Axis Bank Atlas Credit CardAxis Bank | 0% Excluded | ₹34,226 | ₹5,900 | +₹28,326 | Apply → |
| #11 | American Express Membership Rewards Credit CardAmerican Express | 0% Excluded | ₹26,504 | Waived (₹0) | +₹26,504 | Apply → |
| #12 | Flipkart Axis Bank Credit CardAxis Bank | 0% Excluded | ₹24,835 | Waived (₹0) | +₹24,835 | Apply → |
| #13 | Amazon Pay ICICI Bank Credit CardICICI Bank | 0% Excluded | ₹22,122 | Waived (₹0) | +₹22,122 | Apply → |
| #14 | HSBC Live+ Credit CardHSBC India | 0% Excluded | ₹21,391 | Waived (₹0) | +₹21,391 | Apply → |
| #15 | Airtel Axis Bank Credit CardAxis Bank | 0% Excluded | ₹20,009 | Waived (₹0) | +₹20,009 | Apply → |
| #16 | Ixigo AU Credit CardAU Small Finance Bank | 0% Excluded | ₹17,870 | Waived (₹0) | +₹17,870 | Apply → |
| #17 | IndianOil RBL Bank Xtra Credit CardRBL Bank | 8.5% | ₹17,426 | Waived (₹0) | +₹17,426 | Apply → |
| #18 | IDFC FIRST Wealth Credit CardIDFC FIRST Bank | 0% Excluded | ₹15,809 | Waived (₹0) | +₹15,809 | Apply → |
| #19 | HDFC Millennia Credit CardHDFC Bank | 0% Excluded | ₹15,339 | Waived (₹0) | +₹15,339 | Apply → |
| #20 | Standard Chartered Smart Credit CardStandard Chartered Bank | 0% Excluded | ₹14,296 | Waived (₹0) | +₹14,296 | Apply → |
| #21 | Kiwi RuPay Credit Card with NeonAxis Bank | 0% Excluded | ₹12,417 | Waived (₹0) | +₹12,417 | Apply → |
| #22 | SBI SimplyCLICK Credit CardSBI Card | 0% Excluded | ₹12,313 | Waived (₹0) | +₹12,313 | Apply → |
| #23 | IndusInd Bank Tiger Credit CardIndusInd Bank | 0% Excluded | ₹11,009 | Waived (₹0) | +₹11,009 | Apply → |
| #24 | Jupiter Edge CSB Bank RuPay Credit CardCSB Bank | 0% Excluded | ₹10,936 | Waived (₹0) | +₹10,936 | Apply → |
| #25 | Axis Bank Magnus Credit CardAxis Bank | 0% Excluded | ₹25,544 | ₹14,750 | +₹10,794 | Apply → |
| #26 | IndusInd Bank Legend Credit CardIndusInd Bank | 0% Excluded | ₹7,539 | Waived (₹0) | +₹7,539 | Apply → |
| #27 | IDFC FIRST Select Credit CardIDFC FIRST Bank | 0% Excluded | ₹6,887 | Waived (₹0) | +₹6,887 | Apply → |
| #28 | OneCard Metal Credit CardFederal Bank | 0% Excluded | ₹6,407 | Waived (₹0) | +₹6,407 | Apply → |
| #29 | ICICI Bank Coral RuPay Credit CardICICI Bank | 0% Excluded | ₹4,722 | Waived (₹0) | +₹4,722 | Apply → |
| #30 | ICICI Bank Sapphiro Credit CardICICI Bank | 0% Excluded | ₹4,513 | Waived (₹0) | +₹4,513 | Apply → |
Frequently Asked Questions
Which credit card ranks #1 for ₹200,000/month spent on Petrol & Diesel at Fuel Stations?▼
HDFC Infinia Metal Edition ranks #1, generating ₹62,768 gross rewards and ₹62,768 in net annual value (2.62% effective yield) after deducting annual fees.
How does the runner-up compare to the winner?▼
The #2 card is HDFC Diners Club Black Metal Edition delivering ₹62,768 net annual value. HDFC Infinia Metal Edition outperforms it by ₹0/year.
Which credit cards should I avoid for Petrol & Diesel at Fuel Stations?▼
Avoid HDFC Infinia Metal Edition, HDFC Diners Club Black Metal Edition, Swiggy HDFC Bank 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 HDFC Infinia Metal Edition at ₹2,400,000 annual spend, the fee is waived (₹0 effective fee).