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CardMath.in2026 MITCSmart Reward Math
Verified 2026 Bank MITC Rules & RBI ExclusionsUpdated: 2026-03-01

BPCL SBI Card OCTANE Blinkit, Zepto, Instamart & Supermarkets Rewards Calculator

Calculate BPCL SBI Card OCTANE cashback on Blinkit, Zepto, Instamart & Supermarkets. At 2.5% reward rate, earn up to ₹15,000 net value at ₹50,000/mo spend. Check monthly cap saturation and fee waiver rules.

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Estimate Blinkit, Zepto, Instamart & Supermarkets 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₹7502.5% effective rate
Annual Projected Cashback₹9,000on ₹3,60,000/yr spend
Monthly Cap SaturationUncappedNo ceiling

Spend Tier Simulations for Blinkit, Zepto, Instamart & Supermarkets

Monthly SpendAnnual SpendMonthly CashbackAnnual CashbackEffective FeeNet Annual Benefit
₹15,000₹1,80,000₹375₹4,500₹1,769+₹2,731
₹30,000₹3,60,000₹750₹9,000₹0+₹9,000
₹50,000₹6,00,000₹1,250₹15,000₹0+₹15,000
₹75,000₹9,00,000₹1,875₹22,500₹0+₹22,500
₹1,00,000₹12,00,000₹2,500₹30,000₹0+₹30,000
₹1,50,000₹18,00,000₹3,750₹45,000₹0+₹45,000
₹2,00,000₹24,00,000₹5,000₹60,000₹0+₹60,000

Frequently Asked Questions

What reward rate does BPCL SBI Card OCTANE earn on Blinkit, Zepto, Instamart & Supermarkets?▼
BPCL SBI Card OCTANE earns an effective reward rate of 2.5% on Blinkit, Zepto, Instamart & Supermarkets.
What is the monthly cap for Blinkit, Zepto, Instamart & Supermarkets on BPCL SBI Card OCTANE?▼
BPCL SBI Card OCTANE provides uncapped rewards on Blinkit, Zepto, Instamart & Supermarkets.
Which alternative card is best for Blinkit, Zepto, Instamart & Supermarkets?▼
The #1 recommended alternative is Swiggy HDFC Bank Credit Card, offering a 10.0% reward rate delivering ₹60,000 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, all rewards are fully credited without hitting monthly caps.
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