HSBC Silver/Gold cards also give a surcharge wavier for amounts between Rs 400 and Rs 2,500.

Make your choice

Plain Credit card or Pre-paid petro card

A credit/debit card may charge an annual fee where as a pre-paid petro card will charge a one-time membership fee, which is non-refundable. But today most credit cards do not have an annual fee so in that case a credit card is always better than a pre paid card. Again in case of pre-paid petro cards you have to pay the oil company in advance for future petrol spends but if you use a credit card you can get up to 45 days to clear your petrol bills. A pre-paid card can be used on a retail outlet of specific company whereas a credit card can be use at all fuel stations. However your pre-paid card is subject to a surcharge waiver but even your credit card may provide you a facility of 0% surcharge.

If you visit a particular retail outlet of BPCL or HP to tank up your car then you can use a pre-paid petro card offered by that company. This would enable you to earn reward points that can be redeemed for free fuel or gifts along with the surcharge wavier. Or else your credit card is always the best option for you.