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Cards ranked for fuel
By effective returnAbout fuel rewards
Petrol and diesel purchases at fuel stations. Most transactions in this category route through merchant category codes 5541, 5542, which is how reward rules identify them. The IDFC First Bank First Power leads for fuel today at 6% effective return. Tapwise tracks reward coverage at 4 fuel merchants.
What you would earn
Example calculationA ₹1,200 fuel purchase
₹72 reward
IDFC First Bank First Power, 6% effective cashback. Once you cross ₹500 of reward this month, the rule stops paying.
Frequently asked
5 questionsWhich credit card earns the most on fuel in India?
The IDFC First Bank First Power earns 6% effective return on fuel, the highest of the 8 cards Tapwise tracks in this category. Reward is capped at ₹500 per month.
Which MCC codes count as fuel?
Tapwise treats merchant category codes 5541, 5542 as fuel when matching reward rules. Card networks assign the MCC at the merchant level, so the same purchase will be tagged the same way across cards.
How many fuel cards have a category-specific reward?
5 of the 8 ranked cards have a rule specifically for fuel. The rest fall back to their base rate at this category.
Which merchants count as fuel on Tapwise?
Common fuel merchants include Bharat Petroleum, Hindustan Petroleum, Indian Oil. See the merchant list on this page for the full set; each has its own dedicated reward breakdown.
How often does Tapwise update fuel reward data?
Reward rules are re-checked weekly against issuer documents. The "verified" badge on a card means the rule was hand-reviewed; "approximate" means our team is still finalising it and we use conservative defaults so users see at least as much reward as we promise.