Split Large Fuel Fills to Maximise Surcharge Waiver

The 1% fuel surcharge waiver has a per-transaction cap. Split your fill to stay under it and save more.

By Piyush Rathod

Reviewed by Renish Mithani

4 min read

23 January 2026

Updated 22 July 2026

Piyush Rathod

Fuel Surcharge Waiver Cost Saving

Split Large Fuel Fills to Maximise Surcharge Waiver

What you'll do

1
Visit your usual fuel station and request two separate transactions.
2
Pay each transaction with the same credit card (mixing card and cash forfeits the waiver).
3
Keep both receipts until the waiver appears on your statement (usually 1–2 billing cycles).
4
IndianOil HDFC Credit Card: 1% surcharge waiver + 5X reward points on fuel.
5
BPCL SBI Octanoctane Card: 1% waiver + 6X on BPCL fuel spends.

Important disclaimers

T&Cs apply. We don't endorse anything that violates a bank's T&Cs. If a trick stops working after a T&C change, the post is archived and an [Updated] post is published.

Cards that unlock this trick

ICICI Bank

ICICI Times Black Credit Card

Ultra-premium metal card — unlimited global lounge access (1,300+ lounges, 600+ cities), 1.49% forex markup, 12X points on hotels via iShop (verified 2026).

Annual Fee

₹20,000

Reward Rate

12X on hotels; 6X on flights & shopping; 2.5% on international; 2% on domestic (verified from Times Black, 2026)

View Details

Apply NowPartner

Written by Piyush Rathod

Frequently asked questions about this trick

Is "Split Large Fuel Fills to Maximise Surcharge Waiver" still working in 2026?

Every trick on FinWiz24 is re-tested during the 30-day data-refresh cycle. The "Last reviewed" date at the top of this page is the date of the most recent verification — if a trick stops working after a bank changes its T&Cs, the post is archived and an Updated post is published instead.

Does this trick work on every credit card?

No — most tricks require a specific card feature (reward accelerator, milestone benefit, partner-network spend, etc.). The "Cards that unlock this trick" section below lists 12 cards that currently support this approach. If your card is not on the list, the trick does not apply and following it may not deliver the expected reward.

Does this trick violate any bank's terms and conditions?

Every trick listed on FinWiz24 is screened against the issuer's published T&Cs before publication. If a trick were to violate T&Cs, the bank could claw back rewards, suspend the card, or close the account. We don't publish tricks that cross that line; the Important disclaimers block above lists the conditions under which a trick may be reclassified or withdrawn.

How much can I save by following this trick?

It depends on your monthly spend and the cards in the unlock list. The reward calculators at /calculators can simulate a specific scenario: feed in your monthly category-wise spend, your card's reward rate, and the trick's expected incremental reward, and you'll get a rough annual value. Use the lifetime savings calculator for the break-even point at which the trick more than pays for the annual fee.

Do I need to pay annual fees to use this trick?

Some tricks require paid cards; others work on lifetime-free cards. The unlock-cards grid below is annotated with annual fee and lifetime-free flag (visible on each card tile). If you only want lifetime-free options, filter the full card catalog for that flag and re-check the unlock list against your filtered results — there is usually at least one eligible card.