Was looking for card for home needs. Monthly spends might be around 5k on fuels and 5 to 8k on grocery offline stores.

I was looking to get sbi BPCL fuel card as it has rewards for both.

Calculation done with AI

For Fuel (Rs. 5000 per month): 1. Reward points (13X): - Points earned = Rs. 5000 × 13 points ÷ Rs. 100 - = 650 reward points per month - Value in rupees = 650 × Rs. 0.25 = Rs. 162.50 2. Fuel surcharge waiver: - 1% of Rs. 5000 = Rs. 50

For Grocery (Rs. 5000 per month): 1. Reward points (5 points per Rs. 100): - Points earned = Rs. 5000 × 5 points ÷ Rs. 100 - = 250 reward points per month - Value in rupees = 250 × Rs. 0.25 = Rs. 62.50

Total Monthly Savings: 1. From fuel: Rs. 162.50 (rewards) Rs. 50 (surcharge waiver) = Rs. 212.50 2. From grocery: Rs. 62.50 3. Total monthly savings: Rs. 212.50 Rs. 62.50 = Rs. 275

Annual Savings: - Total annual savings = Rs. 275 × 12 = Rs. 3,300

Breakdown of Annual Savings: 1. Fuel rewards: Rs. 162.50 × 12 = Rs. 1,950 2. Fuel surcharge waiver: Rs. 50 × 12 = Rs. 600 3. Grocery rewards: Rs. 62.50 × 12 = Rs. 750 Total: Rs. 3,300 per year

Anyone have better suggestions