Why we have to pay a fuel surcharge for fuels if paid with credit or debit cards in India?

There is a cost involved to the merchant on every swipe which generally ranges up to 5%. Now, when the effective margin on fuel is less making the petrol pump owner pay for every swipe will make it a worthless proposition. So, the banks instead of charging to the customers, they charge it to the card owner.

however, there are cards like IndianOil Citi Card giving you 5% cashback on all fuel spends.

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