21 Feb 2026
Which credit card gives you the maximum real return on fuel spends right now?
What’s the Absolute Best Credit Card Strategy for Fuel Spends in 2026?
By chirag chheda₹20,000Fuel Purchase at Petrol PumpBPCL Octane
Rewardly Community
Rewardly Expert
- SBI BPCL Octane Credit Card: Earns 25 Reward Points per ₹100 spent at BPCL.
- Value math: 1 RP = ₹0.25 → effective ~6.25% value back via reward points on BPCL fuel spends.
- Add the 1% fuel surcharge waiver at eligible BPCL pumps.
- Net effective return: ~7.25% at BPCL pumps (rewards + surcharge waiver), subject to card terms/caps.
- Alternative strategy (when it works): voucher + rewards stacking.
- Example: Buy HP fuel vouchers via reward platforms and route spends through milestone-based cards like Amex Platinum Travel.
- This can potentially beat direct fuel rewards depending on voucher discounts/earning rates and your annual spend.
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