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Hidden facts about fuel credit cards by Axis, ICICI, BOB, HDFC Credit cards (Visa/RuPay)

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Finance Ninja
abhishek012

Hidden facts about fuel credit cards by Axis, ICICI, BOB, HDFC Credit cards (Visa/RuPay):

Recently, RuPay Credit card launched many co-branded Fuel credit cards and I Saw many users are complaining RuPay variant is not crediting fuel rewards or cashback offers -

Let me tell you, all fuel credit cards have some hidden t&c and not only RuPay, you can't get Fuel rewards points, surcharge wavier on Visa credit cards too.

Just few days ago here one dimer suggested, dnt apply for Axis IOCL "RuPay variant" credit card, you will not get 1% cashback on other spends, fuel surchartge reverse and Fuel rewards points.

But let me tell you, this problem also exist with Axis IOCL Visa credit card, here watch this video, this guys also face same problem with Visa vairant and his Visa card also not workiing on bookmyshow 10% discount offer -

Hidden fact - this card only credit fuel rewards cashback when you use on Indianoil's own fuel pumb station. If you use any 3rd party Indianoil petrol pump or Indianoil franchise petrol pump. you can't get fuel rewards cashback and fuel surcharge also can't get reversed.

Here another dimer @gopichand0224626 share with proof Axis IOCL RuPay credit card give rewards cashback and fuel surcharge also reversed. He also used the card on ICICI pos Machine -

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Note - I did not mean to post this that RuPay is best or Visa card is bad. The meaning of my post is just that don't think that there is something wrong with RuPay card. All banks fuel credit cards have some hidden t&c and some banks also have MCC codes issue and last most important thing, this is banks responsibility to fix MCC codes issue, identify the merchant and be transparant with customers.

If i talk about BOB HPCL RuPay credit cards then till now maximum or i can say 99.99% customers inform me they dnt get fuel surcharge wavier and fuel rewards cashback. Only one person told me he got BOB HPCL fuel rewards point cashback. God knows, he is telling the truth or not.

Unfortunately, BOB dnt have any HPCL Visa varitant credit cards yet. So, I can't compare with RuPay variant but based on some issues with other BOB credit cards. Currently, i can only tell you. Many BOB Visa Select credit card users also reported they dnt get 5x rewards points on many online shopping spends. Some users also told BOB has some serious issue with merchant MCC codes categories.

ICICI bank also have HPCL visa credit card and i saw many users are complaining they dnt get fuel surcharge wavier or if they get fuel surcharge wavier but dnt get fuel spend HPCL rewards cashback.

Ofcourse, i am not comparing ICICI bank HPCL Visa credit card with BOB HPCL RuPay credit card because it would not be a fair comparison as both are different banks.

But HDFC bank have Indianoil Credit card with both Visa and RuPay card network and i saw both customers Visa and RuPay variant are complaining they dnt get fuel rewards cashback or some people told they got fuel rewards cashback only on HDFC bank POS machines.

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Now it's time for my biased opinion, which everyone was eagerly waiting for (just kidding 😜😜). Ok, next time when you got any RuPay cobranded fuel credit cards and you dnt get any fuel rewards cashback or surcharge wavier then just don't shoot out that there is some problem with RuPay cards. Visa card co-branded fuel credit cards users face similar types of problem but its all depend on which bank card you used and where you used this card.

Before i go, I heard SBI BPCL RuPay Platinum credit cards users sometimes dnt get fuel rewards cashback automatically but after complaint SBI Card credit the fuel rewards cashback. My question is for SBI BPCL Visa Platinum credit cards users do you guys also face this type of problem and this ques is only for SBI BPCL Platinum card holders not for SBI BPCL OCTANE card holders. Let me know in comment section.

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24 Comments  |  
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Deal Cadet Deal Cadet
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Taarif pe taarif...taarif pe taarif..aur nahi sunna 😄

Deal Subedar Deal Subedar
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I got octane and never faced any problem . Not even once
Finance Ninja Finance Ninja
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Ya but one person told me he also used SBI octane visa credit card but he his facing fuel rewards problem but everytime after complaint SBI credit the cashback.

But another person have SBI BPCL Platinum Visa credit card and he didn't face any problem yet.

I guess its also depend on your location too.
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Deal Lieutenant Deal Lieutenant
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Toh konsa fuel card lena chahiye?
Helpful Helpful
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Abhishek Bank Rupay Multi-brand Fuel Card 😛
Finance Ninja Finance Ninja
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I get proper rp on my Citi IOCL Visa CC. ☆I only use it on the pumps they've said I'll get rp on.
Finance Mentor Finance Mentor
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Same here, using for years

Citi iocl + use SCB titanium (For 4+1%)

Both NON rupay variant. Btw, nothings hidden, know about surcharges from the first day I started using these 

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Deal Cadet Deal Cadet
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No issues for years till date with SBI BPCL Platinum Visa credit card, I cross check every statement for points generated.

Finance Ninja Finance Ninja
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@abhishek012 bhauu tum bohott Acha kaam karta 🤗🤗
Helpful Helpful
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Nothing is hidden, 

Using Citi IOCL card, I get rewards for all transactions.

Make sure card is swiped on gas stations which are published on website

Finance Ninja Finance Ninja
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Yes, i heard no issue on Citi IOCL credit card.

2nd best is SBI Card BPCL. Very few people face minor problems but after complaint SBI card always credit the fuel rewards.

@Seinfeld

@xxxyyyzzz

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Deal Cadet Deal Cadet
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FK axis , Amazon pay ICICI card has fuel surcharge waiver ..and will they also give cashback on fuel?
Helpful Helpful
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Just used tap and pay using apay icici card for rs 350 at hpcl petrol pump.how much will be deducted. Alos any cashback . I am non prime user.

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Generous Generous
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axis is offering IOCL axis LTF as of now , just apply have that Rs 250 petrol and threw it for to be used at 10%bookmyshowor some other offer if needed

Helpful Helpful
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I also got sbi bpcl card, even though it is spent on bpcl oil outlet, they kept telling its nt bpcl transaction and never gave reward points and surcharge waiver to me, and came to know that agencies merchant is not registered as fuel station, now I am avoiding that stations for fuel filling

Missed almost 100 rs worth of points and surchare waiver

Finance Mentor Finance Mentor
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Axis fk - tata nue plus - Amazon icici - sbi simply click - icici coral. Out of these which card will give cash back on fuel purchase?

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