Ranked by real value back, not headline reward points. Points are converted at each programme's realistic redemption value, so a card earning ten points per hundred rupees at ₹0.25 a point loses to one earning three at ₹1.
On fuel, the SBI Card BPCL Octane currently leads at 25% value back.
| # | Card | Value back | Detail |
|---|---|---|---|
| 1 | SBI Card BPCL Octane | 25% | 25X only at BPCL pumps - 6.25% + 1% surcharge waiver |
| 2 | HSBC Premier | 3% | |
| 3 | HSBC TravelOne | 2% |
Most accelerated rates stop at a monthly or annual spend cap and drop to a base rate afterwards. A card that looks best on paper can lose over a full year of spending. The calculator handles that automatically once you enter your amount.
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