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Every drop counts: Petrol or diesel surcharge waiver on credit or debit cards


COVID has brought endless woes to people. Our daily lives are shrouded by uncertainty, fear and stress. While there is some hope, what with #Russia announcing the world’s first #Covid-19 vaccine, #Sputnik V, and starting mass production in September, there is still a long way to go. The safety and effectiveness of the vaccine are yet to be proved.

Apart from the health scare, the pandemic has made us rethink our lifestyle and spending habits. We are taking a more conservative approach towards our daily expenditure and other expenses.

In the past few months, consumer behavior has undergone a sea change. Recent surveys suggest that it may never go back to the pre-pandemic days. While we have reduced and even eliminated some of the daily expenses, fuel expenditure cannot be avoided. We must set aside a certain amount from our monthly budget for our vehicle’s diesel and petrol bills.

Making fuel payments can be done through cash, or debit or credit cards. Using cards has its own advantages. Digital payment is always preferable over cash nowadays, especially in the time of corona. Then there are other plus points like earning reward points on cards, the ability to make a deferred payment etc. For fuel bills, most credit and debit cards include ‘fuel surcharge waiver’ as a benefit of using the card.

What is fuel surcharge?

Fuel surcharge is the transaction charge levied by the merchant for fuel transactions. For example, if you purchase petrol or diesel worth Rs.1000, you will end up paying about Rs.28 on top of Rs.1000, of which Rs.25 is a surcharge and the remaining amount is service tax. Your card statement will show this.

What is fuel surcharge waiver?

To make it lucrative to purchase fuel, most cards offer fuel surcharge waiver. The percentage of waiver varies from card to card. If you use debit/ credit cards for fuel purchases, it is important to know how much fuel surcharge waiver your card offers. To put it simply, which is the best card to use at a given fuel outlet in order to maximize your savings on fuel purchase. Most users are not aware of where to look for this information and how to select the best card for fuel purchase.


How do I find out what is the applicable fuel surcharge waiver on my card?

RUSSH App shows fuel benefits available on your card without asking for any card details. This information helps you refer to your overall card benefits, including fuel benefits.

How fuel surcharge waiver works?

- Typically, the waiver ranges from 1 - 3% of the transaction amount

- To qualify for surcharge waiver, the transaction may have a minimum spend amount (generally in the range of Rs 250 to Rs 500)

- There is usually an upper limit to the waiver one can get in a statement cycle (varies from card to card)

- Fuel surcharge waiver does not mean you get a discount on your fuel purchase. It simply reduces the transaction fee levied by the merchant for using the credit or debit card, therefore making it attractive to purchase fuel via card payment.


How do I know which card will give me the maximum benefits at a fuel outlet?

To make the maximum savings or get the highest number of points, you need to know which is the best card to use at a fuel station. Some cards offer special benefits for specific fuel companies like Bharat Petroleum or Indian Oil. It is not always easy to understand which company’s fuel is being sold by a fuel outlet. All this makes it almost impossible to find out exactly which card must be used at a specific diesel or petrol pump for maximum benefits. RUSSH app makes it simple by incorporating advanced analytics to rank your cards and indicate the best card to use at a given fuel station to maximize your savings. (Snapshot given below)

Note: RUSSH App does NOT ask for your card details. It benefits you by putting together all your card rewards and offers at your fingertips.

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