₹10 surcharge for Edge Rupay UPI fuel transactions?

I paid ₹372.15 through UPI for fuel purchase using Edge Rupay credit card. I was expecting that there will be no additional fee since this is a UPI payment. But I see in my credit card statement that I was charged ₹10 + 18% GST = ₹11.80 extra. Is this fee documented anywhere?

I just checked my past statement. Kiwi does not charge anything extra. For fuel transactions, Kiwi is definitely a better choice than Jupiter Edge Rupay.

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Answering my own question, this is mentioned in the MITC document:

Nevertheless, paying ₹10 for a UPI transaction was completely unexpected. Never again am I touching this card to pay for fuel.

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As per the MITC of edge rupay card there is surcharge on fuel expenses . Fuel surcharges are waived on expenses in range of ₹400-₹3000 (max of ₹100 in surcharge per cycle) . It is mentioned below the schedule of fees in ***.

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But it’s kind of a bad move to charge for a UPI transaction. The government has said that they consider UPI as the “common good” and absorbing the cost. Why should a bank collect compensation for a low value transaction from the government as well as from the customer?

These surcharges is prescribed by govt for fuel merchants

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Are you saying Kiwi is violating the government’s prescription? HDFC also says that there will be no surcharge for UPI credit card payments:

It’s fine if CSB wants to charge this. Every bank is entitled to charge their customers in the way they like. I won’t touch this card again for fuel purchases; that’s all.

It’s a card benefit which bank may or may not provide. Like in this card , txn above 400 rs get the waiver

For other transactions, the cashback has been good. I’ll continue to use them for as long as the rewards remain attractive. But I won’t use Jupiter for fuel purchases, since there are better cards out there.

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even i have been charges extra everytime on my fuel expenses

For me convenience is more important. If I’ve to choose between reward and no payment failure issues, I’ll definitely choose no payment failure.

Those are not my options, fortunately. My other payment options work just fine.

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It seems that people are going to find it difficult to understand that normal bank account link UPI and CC on UPI are two different things. The govt is promoting normal bank account link UPI, not CC on UPI. Both normal UPI and CC on UPI are separate networks, just like the debit card and credit card networks.

What do you mean by separate networks?

It’s the same network and payment infrastructure with different modes of payments.

Normal bank account link UPI and CC on UPI are two different things. Both are separate networks similar to the debit card and credit card networks.

Initially, CC on UPI utilizing the normal UPI network for accepting payments but now, gradually, NPCI has built a separate network solely for CC on UPI. Tieup with all payment gateways, payment companies and big merchants.

Big merchants require direct certification from NPCI or an NPCI partner to accept CC on UPI. That is why some big merchants are still not accepting CC on UPI.

If you have noticed, there are some online big merchants who initially accepted CC on UPI, then either stopped or removed the UPI option in between, and now have started accepting CC on UPI again. Why is that ?

Because all big merchants need to tieup separately for the CC on UPI network.

The reason for the ₹10 surcharge mentioned in the OP’s question is because CC on UPI operates on the credit network. This is not the normal UPI network.

Now, Credit Line on UPI products are also coming up. You might have read the news that NPCI recently partnered with Razorpay and PayU for accepting Credit Line on UPI payments.

NPCI now needs to tie up with all big merchants, payment companies and payment gateways for Credit Line on UPI as well.

It’s a time-consuming job, and it will take decades for people to even understand this normal UPI and CC on UPI are separate networks, similar to the debit card and credit card networks.


Could you please provide sources for this information?

While I appreciate your sharing all this intricate implementation details, that isn’t quite what I was saying.

Other credit cards are not charging fuel surcharge for Rupay-UPI transactions. See the HDFC screenshot I shared in a previous comment.

Given the fee structure is not clear, they could have done a better job communicating it. But the Jupiter team wants to play defensive and act like I didn’t read the fee structure clearly. Not a great way to treat feedback, in my opinion.

I could have simply stopped using the card without saying a word. But I wanted to make the Jupiter team aware of a possibility of confusion. The response they had for me was little more than “You are wrong.” If they don’t want negative feedback, sure, they’ll soon stop getting it.

It depends on bank to bank. HDFC and Axis bank currently dnt charge fuel surcharge through CC on UPI.

OP also mentioned Kiwi does not charge anything extra because Kiwi RuPay credit card issue by Axis bank.

Jupiter’s partner bank CSB or other banks like Kotak, Union Bank, SBI Card, BOB CC charge fuel surcharge through CC on UPI. Some banks also offer fuel surcharge wavier and fuel reward points through CC on UPI.

Anyway i am sure, in future HDFC and Axis Bank will also start charging fuel surcharge through CC on UPI. Enjoy while it’s free.

Isn’t that the only constant when it comes to credit card rewards? :slightly_smiling_face: