Fuel surcharge waiver comparison - Dec 2024

by financewhiz · 2d ago · 415 views · 9 replies

Updated fuel surcharge waiver comparison for all major cards:

Best Fuel Cards

Tier 1: 1% Waiver (Best)

| Card | Max Waiver/Month | |------|------------------| | HDFC Millennia | ₹500 | | SBI SimplySave | ₹500 | | ICICI Amazon Pay | ₹400 | | Axis Flipkart | ₹400 |

Tier 2: Limited Waiver

| Card | Waiver | Max | |------|--------|-----| | HDFC Regalia | 1% | ₹250 | | HDFC Infinia | 1% | ₹250 | | Amex | None | - |

Important Notes

Surcharge is typically 2.5% at pumps

1% waiver = still paying 1.5%

Split transactions to stay under ₹4000 (GST threshold)

HP/BP/IOCL usually charge, others may not

My Strategy

Use a dedicated fuel card (Millennia) for all fuel purchases. Keep premium cards for other spends.

9 Comments

loungelover · 2d ago

Great compilation! SBI SimplySave is underrated for fuel.

rewardhunter · 2d ago

I use BPCL SBI card - fuel surcharge waiver + extra reward points!

cardmaster · 2d ago

IndianOil Citi card also has good fuel benefits. Worth considering.

cardmaster · 2d ago

Amex really needs to add fuel surcharge waiver. Losing out.

dealseeker · 2d ago

Pro tip: Pay via FASTag at some pumps - often no surcharge at all.

creditnewbie · 2d ago

Split into ₹4000 transactions for best value (avoid GST + max waiver).

cardmaster · 2d ago

What about RuPay cards? They often have zero surcharge.

dealseeker · 2d ago

Yes! RuPay Premium cards have no fuel surcharge at all.

dealseeker · 2d ago

HDFC RuPay cards are great for fuel. Zero surcharge up to ₹4000.