How do I apply for credit facility on card?

Under XTRAPOWER program you have the option of applying for credit facility on card thru' multiple credit partners. (Curently, Sundaram Finance Ltd.) However, the discretion to approve or reject credit facility to an applicant solely rests with the credit partner.

How do I use the credit facility?

Based on the overall credit limit approved by a credit partner to a card member, each of his card is given a daily limit on the card, which can be used for making purchases of fuel/lubes. The daily(credit) limit on the card is automatically gets reset at midnight (00:00 hrs.)

Can I combine credit & prepaid facility on a card?

Yes, you can combine the two facilities in a single card. In fact having prepaid facility on card with credit facility, helps one enhance the limit to purchase auto fuel beyond daily limits prescribed for the credit option.

Can I enroll for prepaid XTRAPOWER cards if my credit application is not approved?

Yes, you can still apply for prepaid XTRAPOWER cards, if the credit partner rejects your application for credit facility.

What are the charges to be borne for using credit option?

The credit variant of the Card would have two options: interest bearing credit and interest free credit. In case of interest free credit no interest charges would be payable by the card member for credit utilization during for a specific period. In case of interest bearing credit, finance charges (as decided by the credit partner) would be payable by the card member for the utilized credit.

Basic reward points would not be given on card usage under interest free credit option whereas rewards points would be offered under interest bearing credit option.

How to make payments against credit cards?

The credit partner shall periodically raise bills towards credit utilisation/ charges on the card members and card members shall directly settle all such payments with the credit partner.

Can one opt for credit option at a later stage?

You can apply for credit at any stage to any of the credit partners. However this would be treated as fresh enrolment.on approval of the credit facility by the credit partner, fresh card(s) would be issued on payment of enrolment fees.