BPCL SBI Card Octane
Fees
₹1,499* Plus Applicable Taxes
Joining & annual
Reward Rate
25X reward points (25 points per ₹100 spent) on BPCL fuel purchases (equivalent to up to 7.25% value back); 10X reward points on groceries, departmental stores, movie tickets, and dining spends
Welcome Bonus
N/A
Lounge
4 Domestic/yr (1/Qtr)
Our Expert Take
BPCL SBI Card Octane is a strong fuel card if you fill up at BPCL specifically, with up to 7.25% value back and a useful 10X multiplier on groceries, dining and movies too. The ₹100/month fuel surcharge waiver cap is on the tighter side, worth checking against how much you actually spend on fuel.
Reward limits
Checked 11 Oct 2026 · Bank terms
-
25 points per ₹100 on BPCL fuel
Max 2,500 points per billing cycle
Reached after about ₹10,000 of spend
-
10 points per ₹100 on dining, groceries, departmental stores and movies
Max 7,500 points per month
Reached after about ₹75,000 of spend
Where this card earns most
Paying directly in the app or site · 0.25% on other spends
Pros & Cons
Key Advantages
- Up to 7.25% value back on BPCL fuel purchases
- 10X points on groceries, department stores, dining and movies
- Domestic airport lounge access included
- Points redeem directly for BPCL fuel
Limitations
- Fuel surcharge waiver protections are constrained by a strict monthly ceiling cap of ₹100
- Low absolute baseline reward cash conversion valuation parity floor (4 points = ₹1)
- Slightly lower fuel value-back than some competing fuel cards, like IndianOil RBL XTRA
Key Perks & Spending Milestones
25X reward points accrued for every ₹100 spent strictly across authorized BPCL fuel purchase networks (yielding 6.25% value back via points)
Additional 1% fuel surcharge exemption shield layered on top of accelerated point yields
Up to 7.25% total blended value-back performance realized across valid BPCL point-of-sale systems
10X reward points generated on every matching purchase split across groceries, departmental stores, movie ticket purchases, and dining venues
Standard redemption value benchmark where 1 Reward Point = ₹0.25 when settled directly for fuel at BPCL outlets
4 complimentary domestic airport lounge visits per year (1 per quarter)
Built-in fuel surcharge waiver cover safeguarding up to ₹100 saved per monthly statement cycle
Spend milestone
₹1,000 Gift Voucher on achieving ₹150,000 annual spend milestone
Spend milestone
Complimentary lounge visits on quarterly spend of ₹35,000+
Spend milestone
Annual fee waiver on achieving ₹2,50,000 to ₹4,00,000 spend
Fees & Charges
Joining fee
₹1,499* Plus Applicable Taxes
Annual fee
₹1,499* Plus Applicable Taxes
Refer to standard spend-based renewal milestones within full bank criteria
Interest rate
Up to 3.75% per month (45% per annum)
Late payment fee
Nil up to ₹100; ₹100 for ₹101-₹500; ₹500 for ₹501-₹1,000; ₹750 for ₹1,001-₹10,000; ₹950 for ₹10,001-₹25,000; ₹1,100 for ₹25,001-₹50,000; ₹1,300 above ₹50,000
Insurance & Protection Benefits
Eligibility Criteria
age
21 to 65 years
employment profiles
Salaried and Self-Employed Profiles
Credit score & income
Good (750+)
Frequently Asked Questions
How much can I save on fuel with BPCL SBI Card Octane?
How many lounge visits does BPCL SBI Card Octane offer?
What's the fuel surcharge waiver cap?
Compare BPCL SBI Card Octane With Similar Cards
| Card | Annual Fee | Reward Rate | Lounge Access | Rating |
|---|---|---|---|---|
| BPCL SBI Card Octane This Card | ₹1,499* Plus Applicable Taxes | 25X reward points (25 points per ₹100 spent) on BPCL fuel... | 4 Domestic/yr (1/Qtr) | 4.0/5 |
| Standard Chartered Super Value Titanium Credit Card | ₹750 + Taxes | 5% cashback on fuel, telecom & utility bills (capped... | No Lounge Access (Premium Banking customers get 1 Priority Pass visit/month) | 4.3/5 |
| HDFC IndianOil Credit Card | ₹500 + Taxes | 5% Fuel Points at IndianOil outlets, groceries, and bill payments | No Lounge Access | 4.2/5 |
| IndianOil Kotak Credit Card | ₹499 + Taxes | 24 points per ₹150 on IndianOil fuel (~4% value-back, capped at... | No Lounge Access | 4.2/5 |