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Fuel surcharge on credit cards

What is Fuel Surcharge on Credit Cards?

One of the significant expenses for most individuals is fuel, especially with the rising fuel prices. But, do you know that you can save some good money on fuel expenses with just a credit card? Yes, you heard it right! Without a doubt, credit cards have become an essential part of our daily lives, offering convenience and financial flexibility at every stage. However, most of the credit cards today, including our Airtel Axis bank credit card offer amazing rewards and offers along with a valuable feature known as the Fuel Surcharge Waiver on credit cards. This helps cardholders save money on their fuel purchases.

If you’re curious to know more about this feature, read on! In this blog post, we will explore what a fuel surcharge waiver is and how it benefits credit card users.

Get Airtel Axis Credit Card with upto 25% Cashback on Recharges & Bill payments.


What is Fuel Surcharge Waiver?

Before we dive into the fuel surcharge waiver, let’s understand what a fuel surcharge is. When you make a payment for fuel using a credit card at petrol stations, there is usually an additional fee imposed, known as a fuel surcharge. This surcharge is over and above the actual cost of the fuel and is often applied as a percentage of the transaction amount. Fuel surcharges are commonly implemented to cover administrative costs or to offset the expenses related to credit card processing fees.

What is Fuel Surcharge Waiver on Credit Card?

A fuel surcharge waiver on a credit card is a feature offered by certain credit cards that allow you to avoid paying the additional fee levied as a fuel surcharge when refuelling your vehicles. The waiver essentially eliminates or reduces the surcharge amount, providing you with a financial benefit. This feature is particularly attractive to frequent drivers or those who rely heavily on their vehicles. To avail of the fuel surcharge waiver, cardholders need to make their fuel purchases using the designated credit card.

How is the fuel surcharge calculated on a Credit Card?

The calculation of fuel surcharge on a credit card typically depends on the percentage set by the credit card issuer. The surcharge is applied to the total transaction amount made at fuel stations and is usually a fixed percentage, such as 2.5% of the fuel purchase. For example, if you need to fill fuel for Rs. 1000 via your credit card, you need to pay:
Rs. 1000 + Rs. 25+ Rs. S. Tax on Surcharge
That’s a total of Rs. 1028.63.

How to get a fuel surcharge waiver on a credit card?

Choose a credit card that offers a fuel surcharge waiver:

Many credit cards provide benefits like fuel surcharge waivers as part of their features. Look for credit cards that explicitly mention this benefit in their terms and conditions or you can simply choose our Airtel Axis bank credit card.

Meet the eligibility criteria:

Check if it includes eligibility criteria like minimum fuel purchase amount, fuel station category, or specific fuel brands. Ensure that you meet these requirements before proceeding.

Use designated fuel stations:

Most credit cards offering fuel surcharge waivers have a list of designated fuel stations. Check if before you go and use your credit card accordingly.

Benefits of the Fuel Surcharge Waiver

Cost Savings:

The primary advantage of the fuel surcharge waiver is the potential for significant cost savings. By eliminating or reducing the additional surcharge, cardholders can effectively pay less for fuel, resulting in lower expenses over time.


Using a credit card with a fuel surcharge waiver simplifies the payment process at petrol stations. Cardholders can conveniently pay for fuel without worrying about carrying cash or making multiple transactions.

Increased Fuel Efficiency:

Knowing that the fuel surcharge is waived or reduced, cardholders may be encouraged to refuel more frequently or top up their tanks, leading to better fuel management and potentially improving their vehicle’s fuel efficiency.

Fuel Surcharge Waiver on Airtel Axis Bank Credit Card

Airtel Axis bank credit card offers multiple benefits and one of the most highlighted features is Fuel Surcharge Waiver.

  • Airtel Axis Bank credit cardholders get a 1% fuel surcharge waiver on fuel purchases at all fuel stations across India. This means, no matter where you’re travelling, you can save a ton on every fuel-related transaction. Additionally, it also eliminates the need to check eligible fuel stations as it is eligible at all stations in the country.
  • This feature is valid on transactions between Rs. 400 to Rs. 4000. The maximum benefit can go up to Rs. 500 per statement.

Points to be noted:

  • Airtel Axis Bank credit card is known for its cashback rewards, but no cashback can be earned on fuel transactions.
  • GST charged on the fuel surcharge won’t be refundable.

How to Apply for Airtel Axis Bank Credit Card?

If you want to avail yourself of all these benefits, you need to apply for an Airtel Axis bank credit card. You can do this by following the below-mentioned steps:

  • Download the Airtel Thanks app.
  • On the home screen, go to the “Finance” option.
  • Click on the “Airtel Axis Bank Credit Card” option.
  • Select “Apply” and fill in all the required details.

And you’re done! Your Credit card will reach your doorstep after verification.

Get Airtel Axis Credit Card with upto 25% Cashback on Recharges & Bill payments.



The fuel surcharge waiver is a beneficial feature that credit cardholders can take advantage of, especially if they frequently purchase fuel. By eliminating or reducing the additional fee imposed at petrol stations, cardholders can save money and enjoy a hassle-free payment experience. Before applying for a credit card with a fuel surcharge waiver, it’s essential to review the terms and conditions, including the list of eligible petrol stations, to ensure the convenience and benefits align with your needs.