Saifu
Saifu
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Best card by app

Best credit card for Indian Oil

Reviewed by Chandan Kumar Dash · Card terms as of 6 October 2026

Quick answer. For ₹5,000 a month on Indian Oil fuel, IndianOil RBL Bank XTRA returns about ₹4,500 a year, or ₹3,000 after its ₹1,500 annual fee. With no annual fee, Zaggle returns ₹1,200 a year.

Most back at ₹5,000 a monthIndianOil RBL Bank XTRA₹3,000 a year after the fee
Most back at ₹15,000 a monthIndianOil RBL Bank XTRA₹10,700 a year after the fee
Best with no annual feeZaggle₹1,200 a year

Pick your monthly Indian Oil fuel spend

₹5,000 a month on Indian Oil fuel
#CardRewards a yearAnnual feeNet a yearLink
1IndianOil RBL Bank XTRARBL Bank₹4,500₹1,500₹3,000Apply
2IndianOil RBL BankRBL Bank₹3,000₹500₹2,500Apply
3IndianOil Axis Bank PremiumAxis Bank₹2,400Free₹2,400Bank page
4IndianOil KotakKotak Mahindra Bank₹1,920Free₹1,920Bank page
5IndianOil Axis BankAxis Bank₹2,400₹500₹1,900Apply
6PVR INOX KotakKotak Mahindra Bank₹1,800₹499₹1,301Bank page
7ZaggleAU Small Finance Bank₹1,200Free₹1,200Apply
8Kotak Cashback+Kotak Mahindra Bank₹1,800₹750₹1,050Apply
9Kotak Cashback+ PrimeKotak Mahindra Bank₹1,800₹750₹1,050Bank page
10Union Bank RuPay SelectUnion Bank of India₹600Free₹600Bank page

Rewards a year: what the card pays back on Indian Oil fuel alone, counting monthly caps. Net: rewards minus the annual fee. Many fees are waived once your total yearly spend on the card crosses the bank's limit; see each card's page.

Affiliate link, costs you nothing extra, we may earn a commission, never changes how cards are ranked.

Questions

Which credit card gives the most back on Indian Oil fuel?

At ₹5,000 a month, IndianOil RBL Bank XTRA gives the most after its annual fee: about ₹3,000 a year. The answer changes with how much you spend, because most cards cap their extra rewards each month.

Is there a lifetime free card for Indian Oil fuel?

Zaggle charges no annual fee and returns about ₹1,200 a year on ₹5,000 a month of Indian Oil fuel spends.

How does Saifu work these figures out?

Each card's reward rules, caps and exclusions from its bank's terms are run on three months of Indian Oil fuel spends at each amount, then scaled to a year. Only Indian Oil fuel spends count towards the caps here; if your other spends share the same cap, you get less.

See also: best cards by type, find a card for all your spends, compare two cards.

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