{
  "id": "sbi-bpcl-octane",
  "locale": "hi",
  "name": "BPCL SBI Card Octane",
  "bank": "SBI Card",
  "cardType": "cashback",
  "cardTier": "mid",
  "annualFee": "₹1,499 + GST",
  "loungeAccess": "4 डोमेस्टिक लाउंज / वर्ष (1 प्रति तिमाही)",
  "rewardsRate": "बीपीसीएल ईंधन पर 25 अंक / ₹100 · ग्रॉसरी, डाइनिंग व मूवीज पर 10 अंक / ₹100 · 4 लाउंज",
  "bestFor": "भारी ईंधन खर्च, BPCL पेट्रोल/डीजल रिफ्यूलिंग, भारतगैस LPG, किराना, डाइनिंग और एयरपोर्ट लाउंज एक्सेस",
  "officialLink": "https://www.sbicard.com/en/personal/credit-cards/bpcl-sbi-card-octane.html",
  "aiVerdict": {
    "score": 3.3,
    "summary": "Its modest reward rate and low annual fee offset limited lounge access.",
    "tradeOffs": [
      "Modest reward rate relative to the market's best cashback cards",
      "Limited lounge access compared with premium travel cards",
      "Data quality is PARTIAL, not fully live-verified"
    ],
    "confidence": 1
  },
  "rewardRatePercent": 0.25,
  "affiliateId": "sbi-bpcl-octane",
  "dataQuality": "PARTIAL",
  "legacyDataQuality": "PARTIAL",
  "evidence": {
    "version": 4,
    "asOf": "2026-10-16",
    "dataQuality": "PARTIAL",
    "verifiedAt": null,
    "unresolvedItems": [
      "fees.joining",
      "fees.annual",
      "fees.taxes",
      "fees.waiver",
      "fees.waiverEligibleSpend",
      "fees.waiverExclusions",
      "rewards.base",
      "rewards.accelerated",
      "rewards.channels",
      "rewards.caps",
      "rewards.capPeriods",
      "rewards.sharedLimits",
      "rewards.exclusions",
      "lounge.domestic",
      "lounge.international",
      "lounge.qualifyingSpend",
      "lounge.qualifyingPeriod",
      "lounge.guests",
      "lounge.issuerNetwork",
      "redemption.value",
      "redemption.minimum",
      "redemption.charges",
      "redemption.expiry",
      "redemption.transfers",
      "redemption.restrictions",
      "eligibility",
      "availability",
      "effectiveDates"
    ],
    "calculation": {
      "status": "unavailable",
      "reason": "Claim-level evidence review incomplete"
    }
  },
  "sources": [
    "SBI Card — BPCL SBI Card Octane schedule of charges and benefits",
    "Bharat Petroleum & SBI Card — 25X reward points, Bharatgas LPG, and surcharge waiver schedule"
  ],
  "feeWaiver": "₹2,00,000 वार्षिक खुदरा खर्च पर शुल्क माफ",
  "networks": [
    "Visa"
  ],
  "quickFacts": [
    {
      "key": "BPCL ईंधन बचत",
      "value": "7.25% (25X + 1% छूट)"
    },
    {
      "key": "भारतगैस LPG",
      "value": "6.25% (25X पॉइंट्स)"
    },
    {
      "key": "किराना और डाइनिंग",
      "value": "10X (2.5% रिटर्न)"
    },
    {
      "key": "डोमेस्टिक लाउंज",
      "value": "4 विजिट / वर्ष (1/तिमाही)"
    },
    {
      "key": "वेलकम गिफ्ट",
      "value": "6,000 पॉइंट्स (₹1,500 ईंधन)"
    },
    {
      "key": "वार्षिक शुल्क",
      "value": "₹1,499 + GST"
    }
  ],
  "earnRates": [
    {
      "category": "BPCL पेट्रोल, डीजल और लुब्रिकेंट्स",
      "rate": "7.25% (25X + 1% छूट)",
      "monthlyCap": "2,500 RP / चक्र (₹10,000 खर्च)",
      "perLakhSpent": "25,000 RP (₹6,250 + ₹1,000 छूट)"
    },
    {
      "category": "भारतगैस LPG सिलेंडर बुकिंग",
      "rate": "6.25% (25 RP / ₹100)",
      "monthlyCap": "संयुक्त 2,500 RP / चक्र",
      "perLakhSpent": "25,000 RP (₹6,250 मूल्य)"
    },
    {
      "category": "किराना, सुपरमार्केट, डाइनिंग और मूवीज",
      "rate": "2.50% (10 RP / ₹100)",
      "monthlyCap": "7,500 RP / चक्र (₹75,000 खर्च)",
      "perLakhSpent": "10,000 RP (₹2,500 मूल्य)"
    },
    {
      "category": "सामान्य घरेलू रिटेल खर्च",
      "rate": "0.25% (1 RP / ₹100)",
      "monthlyCap": "असीमित",
      "perLakhSpent": "1,000 RP (₹250 मूल्य)"
    },
    {
      "category": "गैर-BPCL ईंधन और किराया",
      "rate": "0%",
      "monthlyCap": "बहिष्कृत",
      "perLakhSpent": "0 RP"
    }
  ],
  "hasAccelerated": true,
  "acceleratedEarn": [
    {
      "channel": "भारत पेट्रोलियम (BPCL) ईंधन और भारतगैस",
      "multiplier": "25×",
      "rate": "7.25%",
      "monthlyCap": "2,500 RP / माह",
      "dailyCap": "—",
      "note": "प्रति ₹100 पर 25 RP + ₹4,000 तक के लेनदेन पर 1% फ्यूल सरचार्ज छूट।"
    },
    {
      "channel": "किराना, डाइनिंग और मूवीज",
      "multiplier": "10×",
      "rate": "2.50%",
      "monthlyCap": "7,500 RP / माह",
      "dailyCap": "—",
      "note": "डिपार्टमेंटल स्टोर्स, सुपरमार्केट्स, रेस्टोरेंट और सिनेमा पर प्रति ₹100 पर 10 RP।"
    }
  ],
  "redemptionRoutes": [
    {
      "route": "BPCL पंपों पर त्वरित ईंधन (Instant Fuel)",
      "value": "₹0.25 / pt (4 RP = ₹1.00 ईंधन)",
      "minPoints": "1,000 pts",
      "ceiling": "कोई नहीं",
      "fee": "शून्य (फ्री इंस्टेंट POS रिडेम्पशन)",
      "isBest": true
    },
    {
      "route": "ब्रांड वाउचर और कैटलॉग",
      "value": "₹0.25 / pt",
      "minPoints": "2,000 pts",
      "ceiling": "कोई नहीं",
      "fee": "₹99 + GST",
      "isBest": false
    }
  ],
  "exclusions": [
    "गैर-BPCL पंपों (HPCL, IndianOil, Shell) पर ईंधन लेनदेन।",
    "किराया (Rent) भुगतान।",
    "वॉलेट रीलोड, उपयोगिता बिल और नकद निकासी।"
  ],
  "feesDetail": [
    {
      "item": "जॉइनिंग शुल्क (Joining Fee)",
      "value": "₹1,499 + GST (₹1,500 मूल्य के 6,000 पॉइंट्स वेलकम बोनस)"
    },
    {
      "item": "वार्षिक नवीनीकरण शुल्क (Annual Renewal Fee)",
      "value": "₹1,499 + GST (₹2,00,000 के वार्षिक खर्च पर माफ)"
    },
    {
      "item": "फॉरेक्स मार्कअप (Forex Markup)",
      "value": "3.5% + GST"
    },
    {
      "item": "वित्त शुल्क (Finance Charges)",
      "value": "3.75% / माह (52.86% / वर्ष)",
      "warn": true
    }
  ],
  "eligibilityDetail": [
    {
      "criteria": "आयु (Age)",
      "requirement": "21–70 वर्ष"
    },
    {
      "criteria": "वेतनभोगी आय (Salaried Income)",
      "requirement": "₹30,000+ मासिक शुद्ध वेतन"
    },
    {
      "criteria": "स्व-रोजगार आय (Self-Employed Income)",
      "requirement": "₹3.6 लाख प्रति वर्ष से अधिक का ITR"
    }
  ],
  "timelineEvents": [],
  "pointsValuation": null
}