Verified 2026 Bank MITC Rules & RBI ExclusionsUpdated: 2026-03-01
BPCL SBI Card OCTANE Petrol & Diesel at Fuel Stations Rewards Calculator
Calculate BPCL SBI Card OCTANE cashback on Petrol & Diesel at Fuel Stations. At 7.25% reward rate, earn up to ₹30,000 net value at ₹50,000/mo spend. Check monthly cap saturation and fee waiver rules.
Interactive Category Calculator
Estimate Petrol & Diesel at Fuel Stations Rewards
Simulate monthly spends to check cashback caps, 0% exclusion traps, and competitor switches.
₹30,000
₹1,000/mo₹50,000/mo₹1,00,000/mo
Monthly Cashback₹2,1757.25% effective rate
Annual Projected Cashback₹26,100on ₹3,60,000/yr spend
Monthly Cap Saturation₹2500/mo CapMaxes out at ₹34,483/mo
Spend Tier Simulations for Petrol & Diesel at Fuel Stations
| Monthly Spend | Annual Spend | Monthly Cashback | Annual Cashback | Effective Fee | Net Annual Benefit |
|---|---|---|---|---|---|
| ₹15,000 | ₹1,80,000 | ₹1,088 | ₹13,050 | ₹1,769 | +₹11,281 |
| ₹30,000 | ₹3,60,000 | ₹2,175 | ₹26,100 | ₹0 | +₹26,100 |
| ₹50,000 | ₹6,00,000 | ₹2,500 | ₹30,000 | ₹0 | +₹30,000 |
| ₹75,000 | ₹9,00,000 | ₹2,500 | ₹30,000 | ₹0 | +₹30,000 |
| ₹1,00,000 | ₹12,00,000 | ₹2,500 | ₹30,000 | ₹0 | +₹30,000 |
| ₹1,50,000 | ₹18,00,000 | ₹2,500 | ₹30,000 | ₹0 | +₹30,000 |
| ₹2,00,000 | ₹24,00,000 | ₹2,500 | ₹30,000 | ₹0 | +₹30,000 |
Frequently Asked Questions
What reward rate does BPCL SBI Card OCTANE earn on Petrol & Diesel at Fuel Stations?▼
BPCL SBI Card OCTANE earns an effective reward rate of 7.25% on Petrol & Diesel at Fuel Stations.
What is the monthly cap for Petrol & Diesel at Fuel Stations on BPCL SBI Card OCTANE?▼
The monthly reward is capped at ₹2,500. At a 7.25% reward rate, you reach this cap at ₹34,483 monthly category spend.
Which alternative card is best for Petrol & Diesel at Fuel Stations?▼
The #1 recommended alternative is IndianOil RBL Bank Xtra Credit Card, offering a 8.5% reward rate delivering ₹12,000 net annual value at ₹50,000/month spend.
How much cashback do I lose at ₹50,000 monthly spend with BPCL SBI Card OCTANE?▼
At ₹50,000/month, you lose ₹13,500/year to monthly capping ceilings.