Best credit card for fuel surcharge waiver in India
Gauri Rawat
Asked 24 Apr 2026
I spend around ₹2,00,000/month on fuel. Which credit card gives the highest fuel surcharge waiver or fuel rewards in 2026?
2 Answers
Short answer: no, EMI on credit card is not cheaper than a personal loan for large amounts (>₹50,000). The processing fee (~₹199-₹599) plus the interest (~14-16% reducing) usually adds up to slightly more than a personal loan rate of 11-13%. But for small-ticket EMI (₹10-20K), it is fine.
Tip from someone who made this mistake: never max out the credit limit in the first 6 months. Banks track utilisation, and high utilisation right after approval often triggers a credit limit decrease or even an account review.
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