Scope of Fuel Surcharge Waiver

• The waiver usually applies to fuel purchases made at select petrol pumps

• Most issuers limit the waiver to standard fuel transactions only

• It is applicable on credit card swipes at terminals classified as fuel outlets

• Transactions must fall within a specified amount range to qualify

• Waiver is typically 1% of the transaction value, covering surcharge only

Eligibility Criteria for Waiver

• The waiver is valid only on transactions above the issuer’s minimum threshold

• Each card defines a maximum transaction value eligible for waiver

• Some cards restrict this benefit to specific fuel brands or partner networks

• Only retail fuel purchases qualify, not commercial or fleet transactions

• Wallet or UPI-based payments at fuel stations are generally excluded

Exclusions from Surcharge Waiver

• GST and other taxes on fuel are not included in the waiver benefit

• Multiple swipes or split transactions may lead to waiver rejection

• Offline payments or unrecognized merchant codes may block eligibility

• Fuel purchases during promotional blackouts may not be covered

• Third-party payment gateways used for fuel may be excluded

Waiver Processing and Credit Timing

• Waived amount is credited back in the cardholder’s statement cycle

• Some issuers provide instant credit, others apply it after a few days

• Statement notes typically reflect the waiver as a separate line item

• Monthly caps may limit the total waiver benefit a user can claim

• Delays may occur if the merchant code isn’t registered correctly

Tips to Ensure Waiver Applicability

• Refuel at major petrol pumps recognized by the issuing bank

• Keep transactions within the eligible minimum and maximum spend range

• Avoid using wallets or third-party platforms to maintain eligibility

• Retain receipts and monitor statements to verify waiver credit

• Use co-branded fuel cards to maximize waiver reliability and value