Does UPI-linked SBI SimplySAVE RuPay Credit Card charge a SURCHARGE when paying for diesel by scanning a QR code?

[imrtbpsp]

Detailed post, please bear with me.

Recently, I faced an issue while buying diesel using my UPI-linked SBI SimplySAVE RuPay credit card.
I have two Rupay credit cards:
1. HDFC Business Moneyback RuPay credit card, which is one and a half years old.
2. SBI SimplySAVE RuPay credit card, which is just 15 days old.

In my experience, whenever I bought diesel using my UPI-linked HDFC Business Moneyback Rupay credit card (linked to Paytm in my case) by scanning the QR Code for payment, I never had to pay any surcharge. In the past, I have bought diesel worth ₹20,000 to ₹30,000 many times, and the amount I paid was always exactly what I was billed.
For Reference, on 28/08/24, I bought ₹22,000 worth of diesel using my UPI-linked HDFC Business Moneyback Rupay Credit Card, and I didn't have to pay any surcharge. I have attached the screenshot for reference.

I had to pay a surcharge only once when I physically swiped my HDFC Rupay Credit Card to buy ₹2,967 worth of diesel. In that case, I was charged a surcharge of around ₹120-₹130, and I also received a ₹30-something surcharge waiver.

Let's come to the culprit SBI SimplySave Rupay Credit Card।
On the other hand, on 02/09/24, I used my UPI-linked SBI SimplySAVE RuPay credit card to buy ₹21,000 worth of diesel by scanning the QR Code. Initially, in the unbilled transaction history showed ₹21,000, but when the amount got settled, I was charged an extra ₹247.80, and my billing amount became ₹21,247.


This has raised concerns for me because, as per my understanding (may be wrong), using a UPI-linked RuPay credit card (Paytm in my case) to scan and pay for fuel should not attract any surcharge.
Here are my questions:
1. Has SBI mistakenly charged me this extra amount, or do I need to pay the surcharge?
2. Has anyone else experienced this issue where they were charged a surcharge for using the SBI SimplySAVE RuPay credit card to scan and pay for fuel?
Looking forward to your thoughts and experiences!
@TechnoFino @VISHESH_BANSAL @SSV @Channakya @Vasuki @Abhishek012 @ashwink @deep@vie @pprakash11

 

[deep@vie]

Detailed post, please bear with me.

Recently, I faced an issue while buying diesel using my UPI-linked SBI SimplySAVE RuPay credit card.
I have two Rupay credit cards:
1. HDFC Business Moneyback RuPay credit card, which is one and a half years old.
2. SBI SimplySAVE RuPay credit card, which is just 15 days old.

In my experience, whenever I bought diesel using my UPI-linked HDFC Business Moneyback Rupay credit card (linked to Paytm in my case) by scanning the QR Code for payment, I never had to pay any surcharge. In the past, I have bought diesel worth ₹20,000 to ₹30,000 many times, and the amount I paid was always exactly what I was billed.
For Reference, on 28/08/24, I bought ₹22,000 worth of diesel using my UPI-linked HDFC Business Moneyback Rupay Credit Card, and I didn't have to pay any surcharge. I have attached the screenshot for reference.
View attachment 67765
I had to pay a surcharge only once when I physically swiped my HDFC Rupay Credit Card to buy ₹2,967 worth of diesel. In that case, I was charged a surcharge of around ₹120-₹130, and I also received a ₹30-something surcharge waiver.

Let's come to the culprit SBI SimplySave Rupay Credit Card।
On the other hand, on 02/09/24, I used my UPI-linked SBI SimplySAVE RuPay credit card to buy ₹21,000 worth of diesel by scanning the QR Code. Initially, in the unbilled transaction history showed ₹21,000, but when the amount got settled, I was charged an extra ₹247.80, and my billing amount became ₹21,247.
View attachment 67766

This has raised concerns for me because, as per my understanding (may be wrong), using a UPI-linked RuPay credit card (Paytm in my case) to scan and pay for fuel should not attract any surcharge.
Here are my questions:
1. Has SBI mistakenly charged me this extra amount, or do I need to pay the surcharge?
2. Has anyone else experienced this issue where they were charged a surcharge for using the SBI SimplySAVE RuPay credit card to scan and pay for fuel?
Looking forward to your thoughts and experiences!
@TechnoFino @VISHESH_BANSAL @SSV @Channakya @Vasuki @Abhishek012 @ashwink @deep@vie @pprakash11

Yes, they charge surcharge.

 

[imrtbpsp]

Yes, they charge surcharge.

Even if payment is made by scanning QR code from UPI linked Rupay card?

 

[kgaurav00]

Even if payment is made by scanning QR code from UPI linked Rupay card?

yes they charged but if your card comes with surcharge waiver then extra amount credited back within 3-5 days.

 

[Santu]

Sbi card tik hai..hdfc mai glitches hai faida le lo

 

[deep@vie]

Even if payment is made by scanning QR code from UPI linked Rupay card?

Yes, SBI is one of the worst that's why.
As far as I know,apart from it,Kotak also charges

 

[imrtbpsp]

Sbi card tik hai..hdfc mai glitches hai faida le lo

Nahi ye glitch nahi hai, swipe karte waqt HDFC bhi surcharge leta hai..par QR scanning ke case mein zero charge.

 

[Channakya]

Detailed post, please bear with me.

Recently, I faced an issue while buying diesel using my UPI-linked SBI SimplySAVE RuPay credit card.
I have two Rupay credit cards:
1. HDFC Business Moneyback RuPay credit card, which is one and a half years old.
2. SBI SimplySAVE RuPay credit card, which is just 15 days old.

In my experience, whenever I bought diesel using my UPI-linked HDFC Business Moneyback Rupay credit card (linked to Paytm in my case) by scanning the QR Code for payment, I never had to pay any surcharge. In the past, I have bought diesel worth ₹20,000 to ₹30,000 many times, and the amount I paid was always exactly what I was billed.
For Reference, on 28/08/24, I bought ₹22,000 worth of diesel using my UPI-linked HDFC Business Moneyback Rupay Credit Card, and I didn't have to pay any surcharge. I have attached the screenshot for reference.
View attachment 67765
I had to pay a surcharge only once when I physically swiped my HDFC Rupay Credit Card to buy ₹2,967 worth of diesel. In that case, I was charged a surcharge of around ₹120-₹130, and I also received a ₹30-something surcharge waiver.

Let's come to the culprit SBI SimplySave Rupay Credit Card।
On the other hand, on 02/09/24, I used my UPI-linked SBI SimplySAVE RuPay credit card to buy ₹21,000 worth of diesel by scanning the QR Code. Initially, in the unbilled transaction history showed ₹21,000, but when the amount got settled, I was charged an extra ₹247.80, and my billing amount became ₹21,247.
View attachment 67766

This has raised concerns for me because, as per my understanding (may be wrong), using a UPI-linked RuPay credit card (Paytm in my case) to scan and pay for fuel should not attract any surcharge.
Here are my questions:
1. Has SBI mistakenly charged me this extra amount, or do I need to pay the surcharge?
2. Has anyone else experienced this issue where they were charged a surcharge for using the SBI SimplySAVE RuPay credit card to scan and pay for fuel?
Looking forward to your thoughts and experiences!
@TechnoFino @VISHESH_BANSAL @SSV @Channakya @Vasuki @Abhishek012 @ashwink @deep@vie @pprakash11

Basically , sbi simply save card offers 1 % surcharge waiver upto 100 from 500 to 3000 per transactions . which means if you do a transcation upto 3000 you would get 30 rupees , but above that you would not any waiver . so , uptill 10000 only that to less than 3k per transaction you would get waiver , but you have exceeded the limit . in my opinion the surcharge has been charged .

 

[kgaurav00]

Nahi ye glitch nahi hai, swipe karte waqt HDFC bhi surcharge leta hai..par QR scanning ke case mein zero charge.

that's called it glitch beach both time when you scan or swipe your card merchant id remain same.

 

[imrtbpsp]

Basically , sbi simply save card offers 1 % surcharge waiver upto 100 from 500 to 3000 per transactions . which means if you do a transcation upto 3000 you would get 30 rupees , but above that you would not any waiver . so , uptill 10000 only that to less than 3k per transaction you would get waiver , but you have exceeded the limit . in my opinion the surcharge has been charged .

Then why is it not so in HDFC's case? There is no surcharge there, as I have also shared the screenshot.

 

[Channakya]

Then why is it not so in HDFC's case? There is no surcharge there, as I have also shared the screenshot.

the terms and conditions of each bank and each card of same bank are different now-a-days.

 

[imrtbpsp]

Yes, SBI is one of the worst that's why.
As far as I know,apart from it,Kotak also charges

Is there any document like MITC or something else where it can be confirmed what are the rules and regulations of SBI regarding fuel surcharge on Rupay Credit Card UPI transactions.

 

[Channakya]

Then why is it not so in HDFC's case? There is no surcharge there, as I have also shared the screenshot.

As HDFC card is business card , not a consumer card , so i guess this goes into business transactions and i think there wont be any surcharge .

 

[imrtbpsp]

As HDFC card is business card , not a consumer card , so i guess this goes into business transactions and i think there wont be any surcharge .

The business card logic makes some sense, but HDFC also charges a surcharge in case of swiping..

 

[Channakya]

The business card logic makes some sense, but HDFC also charges a surcharge in case of swiping..

ok , but i have a doubt at the time of scanning the QR , is it generated on the spot or a sticker.

 

[imrtbpsp]

ok , but i have a doubt at the time of scanning the QR , is it generated on the spot or a sticker.

There is always a QR code sticker or soundbox already present at the fuel station. Same for all customers.

 

[Channakya]

There is always a QR code sticker or soundbox already present at the fuel station. Same for all customers.

o k .

 

[Abhishek012]

SBI Octane RuPay CC dnt charging GST on RUPAY variants.

Jada bolunga toh vivad ho jayega. For more details read SBI Octane RuPay CC post comments.

 

[imrtbpsp]

SBI Octane RuPay CC dnt charging GST on RUPAY variants.

Jada bolunga toh vivad ho jayega. For more details read SBI Octane RuPay CC post comments.

thoda Prakash aur dal dete to andhera ho jata

 

[deep@vie]

thoda Prakash aur dal dete to andhera ho jata

Simplysave rupay charge krega.
Octane lelo ya isase transaction na karo