The SBI Card BPCL Octane earns in Reward Points, which this calculator values at ₹0.25 per point. Base earn rate is 1% value back, the annual fee is ₹1,499, and forex markup is 3.5%.
Its strongest category is Fuel at 25% value back.
| Category | Value back | Detail |
|---|---|---|
| Fuel | 25% | 25X only at BPCL pumps - 6.25% + 1% surcharge waiver |
| Dining | 10% | 10X → 2.5% |
| Grocery | 10% | 10X → 2.5% |
Accelerated rates stop at a spend threshold. Past it, you earn the fallback rate.
| Category | Cap | After the cap |
|---|---|---|
| Fuel | ₹10,000 | drops to 0% |
| Dining | ₹75,000 | drops to 1% |
| Grocery | ₹75,000 | drops to 1% |
The SBI Card BPCL Octane earns no rewards on Rent. Put that spend on another card.
Fuel points capped 2,500 RP/month (₹10,000 of BPCL fuel). Points redeem as BPCL fuel at ₹0.25 each. A single-purpose card that does its one job well.
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