SBI BPCL OCTANE SUCKS

So many terms and conditions. I usually get around 30,000₹ worth of fuel every month. Some points that I came up with that we won't know without using this freakin ass card. 1) If you fill above Rs 4000, you won't get any reward points + you'll be surcharged. 2) Can only get 2500 points /month. i.e. only upto spend of Rs 10,000 3) 60% of the times you'll have to call customer care to get your reward points. 4) Not every BPCL fuel station accepts credit card and redeems your reward points.

I don't understand what's the meaning of giving 1500 annual fee when your card sucks so much...