I spend around ₹40,000/month on fuel. Which credit card gives the highest fuel surcharge waiver or fuel rewards in 2026?

Two things nobody tells you: (1) GST is charged on the annual fee, so a ₹1,000 fee becomes ₹1,180. (2) Reward points usually have an expiry of 2-3 years. Set a calendar reminder to redeem before they lapse.