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TipsFeb 25, 2026· 4 min read

The Fuel Credit Card Trick Most Indians Miss

One card gives 5% on fuel — completely free.

Most Indians think the best they can get on fuel is a 1% surcharge waiver. That saves you about ₹10-50 per fill-up. But OneCard can give you 5% back on fuel — that's ₹50-250 per fill-up. Here's how.

How OneCard's 5x Works

OneCard automatically detects your highest spending category each month and gives 5x rewards on it. If fuel is consistently your biggest spend, you get 5% on every petrol pump transaction. The card is lifetime free and made of metal.

The Math

Average Indian fuel spend: ₹5,000/month. At 1% (typical card): ₹50/month = ₹600/year. At 5% (OneCard): ₹250/month = ₹3,000/year. Difference: ₹2,400/year. For a free card.

The Catch

OneCard only gives 5x on your TOP category. If you spend more on groceries than fuel in a given month, groceries gets the 5x instead. Solution: use a different card for your other big categories, and keep OneCard dedicated to fuel.

Want to try these strategies?

Use our free tools to find the best card for your spending.

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