Availability of Fuel Surcharge Waiver

• Many shopping credit cards include fuel surcharge waiver as a standard benefit

• Waiver is usually limited to petrol pumps across major fuel networks

• It applies to the 1% surcharge levied during card transactions at fuel stations

• Issuers specify eligible fuel stations and transaction ranges in the terms

• Some cards offer this benefit without linking it to reward points

Conditions and Eligibility

• Waiver is applicable only on specific minimum and maximum transaction amounts

• Fuel spends are typically excluded from cashback or reward earnings

• The waiver may be reversed if the transaction is cancelled or refunded

• Some cards require monthly spends to qualify for the waiver

• The benefit is automatically credited in the next billing cycle

Limitations to Be Aware Of

• There may be a cap on the monthly surcharge waiver amount

• Not all fuel stations may fall under the accepted merchant category code

• Wallet-based fuel payments are usually not eligible for waiver

• GST and other fuel levies are not included in the waiver

• Co-branded shopping cards may or may not include this benefit

Popular Cards Offering Fuel Waiver

• HDFC Millennia and SBI SimplyCLICK include limited fuel surcharge waivers

• Axis Bank Flipkart and ICICI Amazon Pay cards provide the feature up to a cap

• Standard Chartered and Kotak cards offer waivers on select fuel brands

• Premium variants of shopping cards usually have wider waiver coverage

• Waiver details are listed in the card’s product brochure or benefit guide

Tips to Maximize the Benefit

• Use the card only at eligible fuel stations and within the correct amount range

• Avoid mixing fuel payments with ineligible reward categories

• Track the waived surcharge amount through your card statement

• Choose cards with broader fuel network acceptance for frequent drivers

• Combine the waiver with fuel reward apps or loyalty programs for added value