In 2025, managing everyday expenses like fuel and international travel has become smarter with the right credit card. Whether you’re filling up your tank or shopping abroad, picking a card that saves you money on fuel and forex (foreign exchange) transactions can make a big difference. With so many options out there, how do you choose the best one? Let’s explore some top credit cards for 2025.
Top Credit Cards for Fuel Savings
Regarding fuel, fuel credit cards are tied to petrol pumps like HPCL, BPCL, or IndianOil, which are popular. Let’s look at a few options:
1 IDFC FIRST Power+ Credit Card
Here’s where things get interesting. Partnered with HPCL, this card gives you up to 6.5% savings on fuel spent at HPCL outlets. You also save 5% on grocery and utility bills, making it a versatile choice. The annual fee is just ₹499, and it’s waivable with ₹1.5 lakh yearly spent. It’s hard to ignore how much value this card packs for everyday use.
2. ICICI Bank HPCL Super Saver Credit Card
This card saves 5% on fuel purchases at HPCL pumps. It’s great for HPCL loyalists, and you get various benefits from using BookMyShow and Inox. The annual fee is ₹500 and GST, which is reasonable.
2. BPCL SBI Card Octane
Known for its 7.25% value-back on BPCL fuel spends, this card also waives a 1% fuel surcharge. It’s a solid pick for BPCL users, though the ₹1,499 annual fee might feel steep unless you spend a lot on fuel.
Top Credit Cards for Forex Transactions
For international travellers or online shoppers, forex markup credit cards(usually 3-3.5%) can sting. Here’s how some 2025 cards tackle this:
1. IDFC FIRST Wealth Credit Card
Now, this one’s a gem. It charges just 1.5% forex markup—among the lowest in 2025—and comes with no annual fee. You get 10X reward points on spends above ₹20,000, four complimentary lounge visits quarterly (domestic and international), and no forex hassles. It’s a traveller’s dream without breaking the bank.
2. HDFC Diners Club Privilege Card
Earn generous reward points with the HDFC Diners Club Privilege Card—4 points per ₹150 on retail spending, 20 points on Swiggy & Zomato, and up to 10X points via SmartBuy. Redeem points seamlessly on SmartBuy or NetBanking for exciting rewards. However, the ₹2,500 annual fee and invite-only status might not suit everyone.
3. Axis Bank Atlas Credit Card
This card shines with a 1.5% forex markup fee and bonus miles on travel spending. It’s perfect for frequent flyers, but the ₹5,000 annual fee makes it a premium option.
Final Thoughts
In 2025, saving on fuel and forex is all about picking a card that fits your life. The ICICI HPCL and, BPCL, SBI cards are great for fuel-focused folks, while HDFC and Axis cater to premium travellers. But if you want a balance of both—fuel savings and forex benefits—IDFC FIRST Bank’s Power+ and Wealth cards stand tall. They’re affordable, practical, and loaded with perks that make every rupee count.
Ready to save more? Check out IDFC FIRST Bank’s options and confidently hit the road—or the skies. While the information provided is based on research of current offerings in 2025, given changing market dynamics, actual products may differ. Customers need to conduct their own updated research before applying for financial products based on their needs.