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UPI Scan & Pay Surcharges on Fuel transactions: Experiences with Different RuPay Cards

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Kunal Rathod said:
Hey everyone,
I've been doing some digging into fuel payments using UPI Scan & Pay with my RuPay cards and I've found something.

Currently Holding Four Rupay Cards
1) Tata Neu
2) Axis Indian Oil
3) Coral Rupay
4) SBI SimplySave

With Tata Neu and Coral, I'm not seeing any surcharge + GST added at all! It means I don't have to rely on those "surcharge waiver" benefits that other cards offer (which get reflected in the statement later anyway).

On the other hand, with SBI SimplySave and Axis Indian Oil, I'm getting hit as usually we get with the standard fuel surcharge + GST (though they reverse it for those ₹400-4,000 transactions).


So, Please add your valuable experience you got while using other RuPay credit cards that you are holding. And please do mention which Rupay cards do/don't levy surcharges on UPI spends at Fuel Stations.

It will be really helpful if somebody provides insights on below cards too.
Au Bank LIT rupay
Yes bank Kiwi
IndusInd Platinum Rupay
RBL Shoprite rupay
Click to expand...
I have all these UPI cards (except axis INDIAN OIL) and KOTAK MYNTRA RUPAY. Among these only Myntra card gives me surcharge waiver every time I do fuel transactions using UPI.
 
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The RP are not the issue. Tata Neu is the main drive for all my upi spends including fuel transactions as of now. But the thing is that I am about to close tata neu in the next month, as i am willing to get a core hdfc bank. So now I don't have any option as ICICI Coral is not worth using. Am looking for other rupay cards to apply which should exclude such surcharges for upi fuel spends. Could anyone please suggest me such cards?

Obviously, we can easily swipe n pay to avoid these surcharges but why not use scan and pay as we have option for the same thing.
 
Kunal Rathod said:
Hey everyone,
I've been doing some digging into fuel payments using UPI Scan & Pay with my RuPay cards and I've found something.
Click to expand...
I was searching on the forum today for credit cards that do not charge a surcharge on fuel payments, and I came across this post.

I currently have two RuPay credit cards:

1. HDFC Business MoneyBack RuPay Credit Card
2. SBI SimplySAVE RuPay Credit Card

Here’s my experience:

1. HDFC Business MoneyBack RuPay Credit Card:

👉🏻When I swipe this card on POS machines at fuel stations, I have to pay a fuel surcharge along with GST.

👉🏻However, when I use the same card to pay via UPI (by scanning the QR code), I don’t have to pay any surcharge at all.

👉🏻My monthly fuel expenses range between ₹90,000 to ₹1,00,000 as I refuel JCBs and trucks. Each transaction is typically between ₹18,000 to ₹23,000. I have also attached a screenshot to support this. These payments are also made via UPI scanning, and despite the large amounts, I do not have to pay any surcharge or GST.

👉🏻Occasionally, I use this card to refuel my bike with petrol, which costs anywhere between ₹200 to ₹1,000. I also refuel my car with diesel, which always costs between ₹2,800 to ₹3,000. Even in these cases, I don’t have to pay any surcharge or GST.

This UPI payment feature saves me a significant amount.


2. SBI SimplySAVE RuPay Credit Card:

👉🏻With this card, I have to pay a surcharge and GST, regardless of whether I swipe it on the POS machine or pay via UPI.


This is why I prefer to stick with my HDFC Business MoneyBack RuPay Credit Card, as it offers the UPI option without any surcharge. Otherwise, I would have already stopped using it or upgraded it to a different card, such as the HDFC Millennium or some other card.

However, I am unsure if the HDFC Millennium Card provides the same benefit of avoiding the fuel surcharge while paying via UPI.

I am sharing my experience here so that others can suggest similar RuPay credit cards that allow fuel payments via UPI scanning without any surcharge or GST. I wish to know about such cards and would appreciate your recommendations. Screenshot_2025-01-08-21-05-05-85_e2d5b3f32b79de1d45acd1fad96fbb0f.webp Screenshot_2025-01-08-21-04-22-08_e2d5b3f32b79de1d45acd1fad96fbb0f.webp Screenshot_2025-01-08-21-03-55-96_e2d5b3f32b79de1d45acd1fad96fbb0f.webp Screenshot_2025-01-08-20-25-27-98_e2d5b3f32b79de1d45acd1fad96fbb0f.webp
 
I have 3 rupay cc
1) Bob easy ( I did only once for petrol there was charges so I stopped using )
2) Hdfc moneyback ( no charges always amount less than 400)
3) icici coral ( same as hdfc no charges)
 
After I got Indie, stopped doing UPI-CC for fuel and switched to Indie UPI. The money is instantly taken from Acct but the 3% cashback is good enough
 
imrtbpsp said:
SBI SimplySAVE RuPay Credit Card:
Click to expand...
Afaik, Both Axis and sbi levy surcharge on fuel transactions irrespective of whether we swipe n pay or pay via UPI.

imrtbpsp said:
Otherwise, I would have already stopped using it or upgraded it to a different card, such as the HDFC Millennium or some other card.

However, I am unsure if the HDFC Millennium Card provides the same benefit of avoiding the fuel surcharge while paying via UPI.
Click to expand...

Is HDFC millennia available or rupay network?
Btw, you can upgrade as it doesn't matter which HDFC Rupay card you hold, surcharge will not be charged at all for UPI transactions(for fuel).


imrtbpsp said:
others can suggest similar RuPay credit cards that allow fuel payments via UPI scanning without any surcharge or GST. I wish to know about such cards and would appreciate your recommendations.
Click to expand...
ICICI Coral.

We'll probably have to be the lab rats, testing out other cards ourselves as this grey area is just going to stay as it is.

imrtbpsp said:
Didn't get it! How can we avoid recharge by swiping card?
On HDFC MB card, I have to pay a surcharge on swiping but not on scanning
Click to expand...
I was referring to the context where the surcharge levied will be reversed if the transaction amount is in between 400-4000₹.
 
Last edited:
Kunal Rathod said:
Hey everyone,
I've been doing some digging into fuel payments using UPI Scan & Pay with my RuPay cards and I've found something.

Currently Holding Four Rupay Cards
1) Tata Neu
2) Axis Indian Oil
3) Coral Rupay
4) SBI SimplySave

With Tata Neu and Coral, I'm not seeing any surcharge + GST added at all! It means I don't have to rely on those "surcharge waiver" benefits that other cards offer (which get reflected in the statement later anyway).

On the other hand, with SBI SimplySave and Axis Indian Oil, I'm getting hit as usually we get with the standard fuel surcharge + GST (though they reverse it for those ₹400-4,000 transactions).


So, Please add your valuable experience you got while using other RuPay credit cards that you are holding. And please do mention which Rupay cards do/don't levy surcharges on UPI spends at Fuel Stations.

It will be really helpful if somebody provides insights on below cards too.
Au Bank LIT rupay
Yes bank Kiwi
IndusInd Platinum Rupay
RBL Shoprite rupay
Click to expand...
No surcharge on ICICI Coral Rupay CC on ₹500 fuel transaction I made.
 
Have used IDFC UPI CC(virtual one) for scan n pay in fuel stations. They have charged flat Rs 10+ 18% GST even for Rs 100/50 transaction. Haven't tried using their fuel cards . Worst among UPI CC for fuel I feel.
 
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