Verified 2026 Bank MITC Rules & RBI ExclusionsUpdated: 2026-03-01
Best Credit Cards for ₹30,000 Monthly Petrol & Diesel at Fuel Stations Spend
Top-rated credit cards for ₹30,000/mo spent on Petrol & Diesel at Fuel Stations. #1 BPCL SBI Card OCTANE yields ₹16,756 net annual value (4.65% ROI). Compare full 10-card leaderboard.
🥈 Rank #2 Silver3.56% ROI
IndianOil RBL Bank Xtra Credit Card
RBL Bank
Net Annual Value+₹12,814
Full 10-Card Ranked Standings (@ ₹30,000/mo)
| Rank | Credit Card | Rate in Category | Gross Rewards | Effective Fee | Net Annual Benefit | Action |
|---|---|---|---|---|---|---|
| #1 | BPCL SBI Card OCTANESBI Card | 7.25% | ₹16,756 | Waived (₹0) | +₹16,756 | Apply → |
| #2 | IndianOil RBL Bank Xtra Credit CardRBL Bank | 8.5% | ₹12,814 | Waived (₹0) | +₹12,814 | Apply → |
| #3 | Airtel Axis Bank Credit CardAxis Bank | 0% Excluded | ₹6,073 | Waived (₹0) | +₹6,073 | Apply → |
| #4 | Myntra Kotak Credit CardKotak Mahindra Bank | 0% Excluded | ₹5,811 | Waived (₹0) | +₹5,811 | Apply → |
| #5 | Swiggy HDFC Bank Credit CardHDFC Bank | 0% Excluded | ₹5,760 | Waived (₹0) | +₹5,760 | Apply → |
| #6 | Tata Neu Infinity HDFC Credit CardHDFC Bank | 0% Excluded | ₹5,056 | Waived (₹0) | +₹5,056 | Apply → |
| #7 | HSBC Live+ Credit CardHSBC India | 0% Excluded | ₹4,852 | Waived (₹0) | +₹4,852 | Apply → |
| #8 | HDFC Millennia Credit CardHDFC Bank | 0% Excluded | ₹4,805 | Waived (₹0) | +₹4,805 | Apply → |
| #9 | SBI Cashback Credit CardSBI Card | 0% Excluded | ₹4,539 | Waived (₹0) | +₹4,539 | Apply → |
| #10 | American Express Membership Rewards Credit CardAmerican Express | 0% Excluded | ₹4,250 | Waived (₹0) | +₹4,250 | Apply → |
| #11 | Flipkart Axis Bank Credit CardAxis Bank | 0% Excluded | ₹3,725 | Waived (₹0) | +₹3,725 | Apply → |
| #12 | Amazon Pay ICICI Bank Credit CardICICI Bank | 0% Excluded | ₹3,318 | Waived (₹0) | +₹3,318 | Apply → |
| #13 | Ixigo AU Credit CardAU Small Finance Bank | 0% Excluded | ₹2,680 | Waived (₹0) | +₹2,680 | Apply → |
| #14 | IDFC FIRST Wealth Credit CardIDFC FIRST Bank | 0% Excluded | ₹2,371 | Waived (₹0) | +₹2,371 | Apply → |
| #15 | Standard Chartered Smart Credit CardStandard Chartered Bank | 0% Excluded | ₹2,144 | Waived (₹0) | +₹2,144 | Apply → |
| #16 | Kiwi RuPay Credit Card with NeonAxis Bank | 0% Excluded | ₹1,863 | Waived (₹0) | +₹1,863 | Apply → |
| #17 | SBI SimplyCLICK Credit CardSBI Card | 0% Excluded | ₹1,847 | Waived (₹0) | +₹1,847 | Apply → |
| #18 | IndusInd Bank Tiger Credit CardIndusInd Bank | 0% Excluded | ₹1,651 | Waived (₹0) | +₹1,651 | Apply → |
| #19 | Jupiter Edge CSB Bank RuPay Credit CardCSB Bank | 0% Excluded | ₹1,640 | Waived (₹0) | +₹1,640 | Apply → |
| #20 | HDFC Regalia Gold Credit CardHDFC Bank | 0% Excluded | ₹4,564 | ₹2,950 | +₹1,614 | Apply → |
| #21 | IndusInd Bank Legend Credit CardIndusInd Bank | 0% Excluded | ₹1,131 | Waived (₹0) | +₹1,131 | Apply → |
| #22 | IDFC FIRST Select Credit CardIDFC FIRST Bank | 0% Excluded | ₹1,033 | Waived (₹0) | +₹1,033 | Apply → |
| #23 | OneCard Metal Credit CardFederal Bank | 0% Excluded | ₹961 | Waived (₹0) | +₹961 | Apply → |
| #24 | ICICI Bank Coral RuPay Credit CardICICI Bank | 0% Excluded | ₹708 | Waived (₹0) | +₹708 | Apply → |
| #25 | Axis Bank Atlas Credit CardAxis Bank | 0% Excluded | ₹5,134 | ₹5,900 | +-₹766 | Apply → |
| #26 | YES BANK Marquee Credit CardYES BANK | 0% Excluded | ₹4,668 | ₹5,899 | +-₹1,231 | Apply → |
| #27 | HDFC Diners Club Black Metal EditionHDFC Bank | 0% Excluded | ₹9,415 | ₹11,800 | +-₹2,385 | Apply → |
| #28 | ICICI Bank Sapphiro Credit CardICICI Bank | 0% Excluded | ₹677 | ₹4,130 | +-₹3,453 | Apply → |
| #29 | HDFC Infinia Metal EditionHDFC Bank | 0% Excluded | ₹9,415 | ₹14,750 | +-₹5,335 | Apply → |
| #30 | Axis Bank Magnus Credit CardAxis Bank | 0% Excluded | ₹3,832 | ₹14,750 | +-₹10,918 | Apply → |
Frequently Asked Questions
Which credit card ranks #1 for ₹30,000/month spent on Petrol & Diesel at Fuel Stations?▼
BPCL SBI Card OCTANE ranks #1, generating ₹16,756 gross rewards and ₹16,756 in net annual value (4.65% effective yield) after deducting annual fees.
How does the runner-up compare to the winner?▼
The #2 card is IndianOil RBL Bank Xtra Credit Card delivering ₹12,814 net annual value. BPCL SBI Card OCTANE outperforms it by ₹3,942/year.
Which credit cards should I avoid for Petrol & Diesel at Fuel Stations?▼
Avoid Airtel Axis Bank Credit Card, Myntra Kotak Credit Card, 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 BPCL SBI Card OCTANE at ₹360,000 annual spend, the fee is waived (₹0 effective fee).