Fuel Surcharge Waiver Limitations

• Waiver usually applies only to the 1% surcharge and not to GST

• Only specific transaction amounts qualify for the surcharge waiver

• Some cards cap the monthly waiver to a fixed limit like ₹100–₹250

• Waiver is often restricted to transactions at partner fuel stations

• Improper merchant coding can disqualify eligible fuel transactions

Reward and Cashback Conditions

• Reward points on fuel may be limited or completely excluded on some cards

• Cards may offer rewards only at specific fuel brands or terminals

• Cashback benefits often have spend thresholds or monthly caps

• EMI conversions or wallet payments may void fuel rewards

• Reversals or refunds of transactions can cancel associated benefits

Fees and Charges That May Apply

• GST is charged on the fuel surcharge and is usually not waived

• Annual or renewal fees may apply despite advertised fuel rewards

• Processing fees may be levied on EMI or international fuel transactions

• Late fees and interest charges can nullify the savings from rewards

• Some cards charge fees for physical vouchers or paper statements

Exclusions and Special Terms

• Benefits may not apply to commercial fuel purchases or fleet cards

• Bonus offers may require registration or activation to qualify

• Partner station benefits may be region-specific or time-limited

• Offers on fuel spends during black-out periods may be excluded

• Co-branded benefits may be tied only to specific card variants

Tips to Avoid Hidden Charges

• Read the full terms and conditions of the card before applying

• Monitor statements to verify reward credits and waived charges

• Use the card at supported fuel stations and within eligible amounts

• Avoid using third-party platforms or wallets for fuel payments

• Reach out to customer care for clarification on unclear fees or limits