BPCL SBI Card Octane
Fees
₹1,499* Plus Applicable Taxes
Joining & AnnualReward 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 Access
Domestic Lounge Access Included
FindMyCard 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.
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
Editorial Verdict
The BPCL SBI Card Octane is ideally suited for high-volume commuters and fuel spends at bpcl outlets. If you want 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, this card delivers real value. The ₹1,499* plus applicable taxes is easily offset by the card's perks if you use it regularly. You'll generally need Good (750+) credit to be approved.
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
Complimentary domestic airport lounge access terminal permissions added natively into the card profile
Built-in fuel surcharge waiver cover safeguarding up to ₹100 saved per monthly statement cycle
🚀 Milestone Spends Timeline
₹1,000 Gift Voucher on achieving ₹150,000 annual spend milestone
Complimentary lounge visits on quarterly spend of ₹35,000+
Annual fee waiver on achieving ₹2,50,000 to ₹4,00,000 spend
Fees & Charging Rates
Annual Fee Waivers
₹1,499* Plus Applicable Taxes
💡 Refer to standard spend-based renewal milestones within full bank criteria
Regular Interest Charges
Subject to SBI Cards standard tier interest rates
📅 Late Payment Fee Penalty Tiers
Insurance & Protection Benefits
Eligibility Criteria
age
21 to 65 years
employment profiles
Salaried and Self-Employed Profiles
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... | Domestic Lounge Access Included | 4.0/5 |
| Standard Chartered Super Value Titanium Credit Card | ₹750 + Taxes | 5% cashback on fuel, telecom & utility bills (capped... | — | 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 |