#1₹2,850/yr
SBI BPCL Octane
25X points · Fuel Masters
Best net value on this list — about ₹2,850/yr in your pocket after fees on typical spends.
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Fuel Masters·YES Bank
Solid mid-tier YES Bank card for commuters.
Age 21–60 · From ₹25,000/mo income · Unsecured
Key Benefits
All 9 benefits →Fuel
4% cashback
₹1,000/mo
Other spends
1% cashback
Forex markup
2.75%
Fuel
4%
cashback (cap ₹1,000/mo)
Zero sales calls. Ever.
Caps & exclusions verified · 2026-06-12
On the bank's site: You'll apply on the bank's website. They may ask for contact details and follow up on your application.
We earn commission if approved — at no cost to you.
Rewards, lounge rules, fee perks, and extras — sourced from public issuer information.
Source: YES ACE T&Cs
BPCL, IOCL & surcharge waivers
Source: YES ACE T&Cs
Fuel
4% cashback
Cap: ₹1,000/mo
Example: ₹1,000/mo spend → ≈ ₹40/mo (max at cap)
Other spends
1% cashback
Example: ₹10,000/mo spend → ≈ ₹100/mo
Forex markup
2.75%
Example: ₹10,000/mo spend → ≈ ₹275/mo
Forex markup
2.75%
Based on moderate spend for this market
Est. net annual
₹3,401
per year
Annual fee
₹589
per year
Effective return
0.9%
of spend
Rewards minus annual fee on your spend profile
Annual fee ₹499 · Forex 2.75% — tap for full fees
Joining fee
Charged in first year
₹499
Annual / renewal fee
Charged every year unless waived
₹499
Forex markup
2.75%
Finance charges
≈3.5–3.75% per month (42–45% p.a.) if you revolve balance — pay in full to avoid
Late payment fee
₹400–₹1,300 depending on statement balance — always pay on time
Reward redemption fee
Usually ₹0 for cashback cards; points cards may have ₹99+ redemption fee
Example: moderate user · Steady year
Signup bonus is excluded here — switch to Year 1 on the hero or open the calculator for first-year value.
Formulas and assumptions: How we calculate NAV
21–60 years · ₹25,000/mo — tap for full criteria
Important: These are indicative eligibility bands from issuer websites. Actual approval depends on the bank's internal score, existing relationship, and current portfolio policy. CardHungry shows bands, not guarantees.
At moderate spend (₹31,000/mo), gross rewards are about ₹4,320/year. After the ₹499 annual fee, net value is approximately ₹3,401/year. Use the calculator above to model your own spends.
₹25,000/month for salaried applicants (indicative — bank decides).
EMI transactions, Rent.
Deeper rankings and comparisons for similar use cases.
SBI BPCL Octane
25X points · Fuel Masters
Best net value on this list — about ₹2,850/yr in your pocket after fees on typical spends.
IDFC FIRST HPCL Power+ Credit Card
30 pts/₹150 · Fuel Masters
Strong runner-up at ₹2,260/yr net — roughly ₹590 behind #1 on the same spend mix.
Axis IOCL Credit Card
20 Edge Miles/₹100 · Fuel Masters
Worth a look — ₹910/yr net, still ahead of 0 other eligible cards.
Approval estimate based on public eligibility criteria. Indicative only. Not a guarantee of approval.
