AU Small Finance Bank Altura Plus Credit Card
AU Small Finance Bank
Rewards 1.5%
Net Value ₹10,884
Joining Fee ₹0
Renewal Fee ₹0
2 lounge visits • Forex 3.5%
BPCL SBI Card Octane
SBI Card ⭐ Featured
Co-branded fuel and lifestyle rewards credit card
Joining Fee
₹1,499
+ 18% GST
First Year Net
+₹9,049
Annual Fee
₹1,499
+ 18% GST
Renewal Net
+₹9,049
Base Reward Rate
0.3%
1 points per ₹100
Best Category
6.3%
Final Net Score
19
out of 100
Net Annual Value
+₹10,818
Score Breakdown
Lower ScoreMid RangeHigher Score
Key Metrics
Final Score
Comprehensive rating based on your spending profile
19/100
Effective Reward Rate
Weighted average based on your spending categories
1.7%
Annual Net Value
Expected yearly benefit after all costs
₹10,818
Payback Period
Time to recover annual fees through rewards
Immediate
Card Information
Category
Co-branded fuel and lifestyle rewards credit card
Launch Date
Legacy BPCL co-branded premium fuel card
Networks
Visa, RuPay
Should I Consider This Card?
Using general assumptions
Likely Eligible
Needs checkAdd income range and credit score to estimate eligibility.
Value for Your Spend
Strong fitAt your current spending pattern, this card is likely to return more value than it costs.
Consider from
₹15,000 / mo
Sweet spot
₹2,00,000 / mo
Net value / year
+₹10,818
Fee outcome
Fee likely waived
Why this result
- Fee waiver threshold: Annual fee waiver is tied to roughly 16,667 monthly spend.
- Top earning category: fuel has elevated rewards, which can improve value when your spend matches it.
Details
Spend curve and supporting scenario values
BPCL SBI Card Octane - Key Highlights
💰 Fees & Charges
- Annual Fee: ₹1,499
- Foreign Transaction: 3.5%
- Late Payment: Varies by outstanding amount
🏆 Rewards & Benefits
- Rewards Rate: 0.3% reward rate
- Lounge Access: Available
- Our Rating: 19/100
BPCL SBI Card Octane - Frequently Asked Questions
What are the benefits of BPCL SBI Card Octane?
BPCL SBI Card Octane from SBI Card offers comprehensive benefits including rewards, lounge access, and premium services. Key benefits include reward points on spending and airport lounge access.
Who is eligible for BPCL SBI Card Octane?
BPCL SBI Card Octane is ideal for individuals looking for reward-focused spending. Minimum credit score requirements apply.
How much does BPCL SBI Card Octane cost?
The annual fee for BPCL SBI Card Octane is ₹1,499. Additional charges may include foreign transaction fees and late payment charges.
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