Verified 2026 Bank MITC Rules & RBI ExclusionsUpdated: 2026-03-01
Best Credit Cards for ₹75,000 Monthly Petrol & Diesel at Fuel Stations Spend
Top-rated credit cards for ₹75,000/mo spent on Petrol & Diesel at Fuel Stations. #1 BPCL SBI Card OCTANE yields ₹32,739 net annual value (3.64% ROI). Compare full 10-card leaderboard.
🥈 Rank #2 Silver2.62% ROI
HDFC Diners Club Black Metal Edition
HDFC Bank
Net Annual Value+₹23,538
🥉 Rank #3 Bronze1.61% ROI
Myntra Kotak Credit Card
Kotak Mahindra Bank
Net Annual Value+₹14,527
Full 10-Card Ranked Standings (@ ₹75,000/mo)
| Rank | Credit Card | Rate in Category | Gross Rewards | Effective Fee | Net Annual Benefit | Action |
|---|---|---|---|---|---|---|
| #1 | BPCL SBI Card OCTANESBI Card | 7.25% | ₹32,739 | Waived (₹0) | +₹32,739 | Apply → |
| #2 | HDFC Diners Club Black Metal EditionHDFC Bank | 0% Excluded | ₹23,538 | Waived (₹0) | +₹23,538 | Apply → |
| #3 | Myntra Kotak Credit CardKotak Mahindra Bank | 0% Excluded | ₹14,527 | Waived (₹0) | +₹14,527 | Apply → |
| #4 | Swiggy HDFC Bank Credit CardHDFC Bank | 0% Excluded | ₹14,400 | Waived (₹0) | +₹14,400 | Apply → |
| #5 | IndianOil RBL Bank Xtra Credit CardRBL Bank | 8.5% | ₹14,035 | Waived (₹0) | +₹14,035 | Apply → |
| #6 | Airtel Axis Bank Credit CardAxis Bank | 0% Excluded | ₹13,487 | Waived (₹0) | +₹13,487 | Apply → |
| #7 | Tata Neu Infinity HDFC Credit CardHDFC Bank | 0% Excluded | ₹12,639 | Waived (₹0) | +₹12,639 | Apply → |
| #8 | HSBC Live+ Credit CardHSBC India | 0% Excluded | ₹12,130 | Waived (₹0) | +₹12,130 | Apply → |
| #9 | HDFC Millennia Credit CardHDFC Bank | 0% Excluded | ₹12,013 | Waived (₹0) | +₹12,013 | Apply → |
| #10 | HDFC Regalia Gold Credit CardHDFC Bank | 0% Excluded | ₹11,410 | Waived (₹0) | +₹11,410 | Apply → |
| #11 | SBI Cashback Credit CardSBI Card | 0% Excluded | ₹11,348 | Waived (₹0) | +₹11,348 | Apply → |
| #12 | American Express Membership Rewards Credit CardAmerican Express | 0% Excluded | ₹10,624 | Waived (₹0) | +₹10,624 | Apply → |
| #13 | Flipkart Axis Bank Credit CardAxis Bank | 0% Excluded | ₹9,313 | Waived (₹0) | +₹9,313 | Apply → |
| #14 | HDFC Infinia Metal EditionHDFC Bank | 0% Excluded | ₹23,538 | ₹14,750 | +₹8,788 | Apply → |
| #15 | Amazon Pay ICICI Bank Credit CardICICI Bank | 0% Excluded | ₹8,296 | Waived (₹0) | +₹8,296 | Apply → |
| #16 | Axis Bank Atlas Credit CardAxis Bank | 0% Excluded | ₹12,835 | ₹5,900 | +₹6,935 | Apply → |
| #17 | Ixigo AU Credit CardAU Small Finance Bank | 0% Excluded | ₹6,701 | Waived (₹0) | +₹6,701 | Apply → |
| #18 | IDFC FIRST Wealth Credit CardIDFC FIRST Bank | 0% Excluded | ₹5,928 | Waived (₹0) | +₹5,928 | Apply → |
| #19 | YES BANK Marquee Credit CardYES BANK | 0% Excluded | ₹11,671 | ₹5,899 | +₹5,772 | Apply → |
| #20 | Standard Chartered Smart Credit CardStandard Chartered Bank | 0% Excluded | ₹5,361 | Waived (₹0) | +₹5,361 | Apply → |
| #21 | Kiwi RuPay Credit Card with NeonAxis Bank | 0% Excluded | ₹4,657 | Waived (₹0) | +₹4,657 | Apply → |
| #22 | SBI SimplyCLICK Credit CardSBI Card | 0% Excluded | ₹4,617 | Waived (₹0) | +₹4,617 | Apply → |
| #23 | IndusInd Bank Tiger Credit CardIndusInd Bank | 0% Excluded | ₹4,128 | Waived (₹0) | +₹4,128 | Apply → |
| #24 | Jupiter Edge CSB Bank RuPay Credit CardCSB Bank | 0% Excluded | ₹4,101 | Waived (₹0) | +₹4,101 | Apply → |
| #25 | IndusInd Bank Legend Credit CardIndusInd Bank | 0% Excluded | ₹2,827 | Waived (₹0) | +₹2,827 | Apply → |
| #26 | IDFC FIRST Select Credit CardIDFC FIRST Bank | 0% Excluded | ₹2,583 | Waived (₹0) | +₹2,583 | Apply → |
| #27 | OneCard Metal Credit CardFederal Bank | 0% Excluded | ₹2,403 | Waived (₹0) | +₹2,403 | Apply → |
| #28 | ICICI Bank Coral RuPay Credit CardICICI Bank | 0% Excluded | ₹1,771 | Waived (₹0) | +₹1,771 | Apply → |
| #29 | ICICI Bank Sapphiro Credit CardICICI Bank | 0% Excluded | ₹1,692 | Waived (₹0) | +₹1,692 | Apply → |
| #30 | Axis Bank Magnus Credit CardAxis Bank | 0% Excluded | ₹9,579 | ₹14,750 | +-₹5,171 | Apply → |
Frequently Asked Questions
Which credit card ranks #1 for ₹75,000/month spent on Petrol & Diesel at Fuel Stations?▼
BPCL SBI Card OCTANE ranks #1, generating ₹32,739 gross rewards and ₹32,739 in net annual value (3.64% 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 ₹23,538 net annual value. BPCL SBI Card OCTANE outperforms it by ₹9,201/year.
Which credit cards should I avoid for Petrol & Diesel at Fuel Stations?▼
Avoid HDFC Diners Club Black Metal Edition, 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 ₹900,000 annual spend, the fee is waived (₹0 effective fee).