Yes, the merchant establishments charge a fee if you tender a credit card. They say take it or leave it.The issuing bank does not help the customer and holder of their credit card. This is because the legal system in India is soft and complaints are literally unaddressed. The establishments do not sell at below MRP even if you specifically request. The GoI itself had issued ads in this regard. About petrol, the banks tie-up with one company and force you to buy from that pump, otherwise, they charge a fee.This is wrong but the authorities do not step-in. Since we are in India the retailers and banks hold us at their mercy.No retailer can refuse to sell goods to a customer.The fight has to be waged by us, customers. Customer is no longer the KING in India.