If you spend a lot on fuel i.e. petrol or diesel then this post may come handy for you.
I’ll discuss the different loyalty program available in market.

Indian Oil citibank card
Earn 4 pts(each worth Re.1) for every Rs.150 spent at Indian Oil(zero surcharge at citibank slip)
Earn 1 pt(each worth Re.1) for every Rs.150 spent at any other shop.
Each Point Worth Re.1

Hpcl Icici Credit card
Earn 5 pts Hpcl petrol pump (zero surcharge at icici bank slip)
Earn 2 pts(each imint pt worth around 20paise) for every Rs.200 spent at any other shop.
Each Point worth 30paise

Bpcl Petro Card
A prepaid card can be recharged and used only at bpcl petrol pump
Earn 15pts(each point worth around 1paisa) for every Rs.150 spent on fuel.

Clearly shows that Indian Oil Citibank Credit Card is the best.