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Debit Cards For Fuel Purchases In India
A debit card is a convenient and easy-to-manage way of making transactions with the added benefit that you can never fall into debt by using it. Unlike a credit card, you can only spend the amount that is in your account. However, like a credit card, you can also earn reward points, enjoy cashback and discounts on various spending categories like dining, travel and entertainment. Most banks also offer free insurance coverage, like accidental death insurance, personal insurance, insurance against loss of debit card, travel insurance etc. For all these reasons, debit cards have been increasingly gaining acceptance in place of hard cash as a mode of payment amongst Indian customers.
The increased popularity of debit cards has led banks to partner with merchant outlets to come up with rewards and discounts for using the debit card on that merchant purchase. Fuel debit cards in one of them. There are several banks that offer debit cards specifically for fuel spends.
For instance, ICICI Bank offers the HPCL Debit Card. You can hand it over at any HPCL pump and save on your fuel purchases. Additionally, you can also swipe this card for your regular purchases like shopping, dining, entertainment and travel requirements.
HDFC Bank offers the EasyShop Platinum Debit Card using which you can not only save on your fuel purchases, but also earn cashback on your regular spends. You get 1% Cashback capped at Rs. 750 per month on all retail and online shopping. You also get to save on fuel surcharge when you fill your vehicle at all fuel stations across India with Fuel Surcharge Reversal.
The Axis Bank Priority Debit Card offers fuel advantages similar to other bank debit cards. It offers a fuel surcharge waiver across all fuel stations. It also offers 25% cashback on your online and offline (box office bookings) movie spends. Earn eDge loyalty points for all your transactions made with your debit card which can be redeemed for 500 plus offers.
If have a significant monthly fuel bill, then it makes sense to opt for a fuel debit card - not only do you get a discount in terms of the fuel surcharge waiver, but you can also earn rewards on your other purchases as well.
Note: The cards mentioned in the article are merely indicative of the kinds of rewards available on the market. You will need to choose your card based on your specific requirements.