Hey everyone! 
Let’s talk about a trap most people fall into at the petrol pump.
If you are using a standard credit card for fuel, you already know about the 1% surcharge. But here is the catch that banks don’t loudly advertise: even if your card offers a “1% surcharge waiver,” the government still charges an 18% GST on that 1% fee.
And that GST is NEVER refunded. On a ₹5,000 fuel bill, you are hit with a ₹50 surcharge plus ₹9 GST. The bank might give you back the ₹50, but you still lose the ₹9. Over a year, that adds up.
To actually beat the math and come out net-positive, you need a card where the reward points heavily outweigh that lost tax. Here are the top two cards to keep in your wallet right now:
For the IndianOil regulars:
RBL IndianOil Xtra Credit Card - Apply Here RBL Bank Indian Oil Credit Card
This is a powerhouse offering 8.5% total value back. Even after eating that non-waived GST, your net savings are massive.
For the BPCL drivers:
SBI BPCL Octane Credit Card - Apply Here : SBI BPCL Octane Credit Card
A solid runner-up giving you 7.25% total value back. It easily covers the hidden tax and leaves you with great reward points.
Maximizing your everyday spends is exactly what this community is all about.