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SBI says 7.25% back on fuel. I put a year of petrol on the BPCL SBI Card Octane and got Rs 4,635. The caps, the missed points, and what you would save.
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Four RuPay credit cards with no joining or annual fee, checked against issuer pages on 17 Sep 2026, with the UPI cashback worked out in rupees. Plus two “free” cards that are not free.
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From 15 October 2026, merchants pay 0.4% on UPI payments above Rs 2,000. You pay nothing extra. The exact slabs, who is exempt, and the maths for shops.
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Five beginner credit cards in India, with every fee and reward rate checked against the issuer’s own page in September 2026 — including the two cards whose terms changed this year.