• Interest - 16% p.a. for Regular Scheme - for actual number of days where credit facility has been availed.
  
  
  
• Additional Interest - 24% p.a. - on total amount outstanding from the due date till the date of receipt.
  
  
  
• Cheque Return Charge - Rs. 250/- per customer per instrument.
  
  
  
• Other Charges - as applicable.

Regular Scheme:

Consumption made during the month is payable by 15th of next month. Interest is chargeable @ 16% p.a. till the date of receipt, for the actual number of days where the credit facility has been availed. If there are any dues after 15th, Addl. Interest will be charged @ 24% p.a.

Full Loyalty Points awarded by the respective oil companies for customers opting for this scheme.

FCP (Free Credit Period) Scheme:

For consumption during the first fortnight of the month (1st to 15th) :
Payment on or before 21st of the consumption month - no interest.
Payment between 22nd of the consumption month and due date (15th of the following month) - interest @ 18% p.a. (from 16th of the consumption month till due date).

For consumption during the second fortnight of the month (16th to 31st) :

Payment on or before 6th of the following month - no interest.
Payment between 7th of the following month and due date (15th of the following month) - interest @ 18% p.a. (from 1st of the following month till due date).
Under this option, customer will not be eligible for loyalty points, as this offer is in lieu of the loyalty program offered by the oil cos.
Loyalty points earned by the customer (wherever applicable) would be mentioned in the monthly statement (to be sent by the oil co. directly to the customer) like loyalty points outstanding at the beginning, additional points earned, points redeemed & closing balance.
Besides this, oil cos. may also run some special schemes periodically, which would be a value add to the product.