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Cards ranked for Indian Oil
By effective returnHow rewards work at Indian Oil
Indian Oil is a fuel platform in India. Card networks route most Indian Oil purchases as MCC 5541, which is how reward rules decide whether a transaction qualifies. No card has a Indian Oil-specific reward right now, so the best return comes from cards that pay well on fuel as a category, led by the IDFC First Bank First Power at 6%.
What you would earn
Example calculationA ₹1,200 order at Indian Oil
₹72 reward
IDFC First Bank First Power, 6% effective cashback. Once you cross ₹500 of reward this month, the rule stops paying.
Frequently asked
3 questionsWhich credit card earns the most rewards at Indian Oil?
The IDFC First Bank First Power earns 6% effective return on Indian Oil, the highest of the 8 cards Tapwise tracks at this merchant. Reward is capped at ₹500 per month.
What MCC code does Indian Oil use?
Indian Oil is routed by card networks as MCC 5541. Reward rules use the MCC to decide whether a transaction qualifies for a category-level reward.
How often does Tapwise update Indian Oil 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.