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BPCL SBI Octane

Built for BPCL loyalists.

BPCL SBI Card OCTANE

Fuel

Up to 7.25% within BPCL caps; RuPay UPI fuel excluded

Sweet spot

Best at ₹5k-₹10k fuel/month

Yearly value

Around ₹8,700/year fuel upside

Lifestyle

10X on dining, grocery, movies

Milestone

₹2k voucher at ₹3L spends

Up to 7.25% on BPCL fuel

Up to 7.25% on eligible BPCL card payments within reward and surcharge caps; RuPay UPI fuel gets neither reward nor surcharge waiver

Best at ₹5k–₹10k fuel

2,500 reward points per statement cycle (≈ ₹10,000 BPCL fuel spend/month) 1 RP/₹100 on other eligible retail; fuel is excluded from the base rate, including BPCL fuel after the accelerated cap

10X on everyday spends

Earn 10 reward points per ₹100 on dining, groceries, departmental stores and movies, plus 4 domestic lounge visits a year.

BPCL SBI Octane: fees & key facts

BPCL SBI Octane credit card fees and key facts
Joining / annual fee₹1,499 + GST (each); annual fee waived on ₹2 lakh annual spend
Fuel reward (BPCL)25 RP/₹100 on eligible card payments at BPCL pumps (6.25% at ₹0.25/RP); RuPay UPI fuel does not earn these rewards
Total fuel value-backUp to 7.25% on eligible BPCL card payments within reward and surcharge caps; RuPay UPI fuel gets neither reward nor surcharge waiver
Fuel reward cap2,500 reward points per statement cycle (≈ ₹10,000 BPCL fuel spend/month)
Accelerated rewards10 reward points per ₹100 on dining, groceries, departmental stores & movies; capped at 7,500 RP/month
Other / base spends1 RP/₹100 on other eligible retail; fuel is excluded from the base rate, including BPCL fuel after the accelerated cap
Welcome & milestone6,000 RP (≈ ₹1,500) on fee payment; ₹2,000 e-voucher on ₹3 lakh annual spend
Airport lounge4 complimentary domestic lounge visits per year (max 1 per quarter)
Fuel surcharge waiver1% waived on BPCL transactions up to ₹4,000; max ₹100 per statement cycle
No rewards onNon-BPCL fuel, rent and mobile wallet loads
Bharatgas25 RP/₹100 through the Bharatgas website/app, with a separate 500-RP statement-cycle cap

Public issuer terms checked 3 October 2026.

SBI BPCL Octane detailed terms

Who should get it

The BPCL SBI Card OCTANE is a single-purpose tool: if you fill up at BPCL pumps and spend roughly ₹5,000–₹10,000 a month on fuel, the 25 reward points per ₹100 (6.25% back) plus the 1% surcharge waiver — about 7.25% combined — is among the best fuel returns in India, and the ₹1,499 + GST fee is easily waived at ₹2 lakh annual spend.

Look elsewhere if you are not loyal to BPCL or want an all-rounder. Eligible card-paid fuel reward points cap at 2,500 per statement cycle, the 10X dining/grocery/movie rate is capped at 7,500 points monthly, everything else earns just 1 point per ₹100, and points redeem at a fixed ₹0.25 each — so its value is concentrated almost entirely at the BPCL pump.

Reward exclusions

Transactions that do not earn Reward points

Eligibility follows the merchant category code and transaction data received by the issuer, so the merchant name alone may not determine whether a transaction earns rewards.

  • Non-eligible fuel, including BPCL fuel paid through RuPay UPI
  • Rent and wallet loads
  • Balance transfers, cash advances and financial charges
  • Flexipay and merchant EMI transactions
  • Returned, reversed or successfully disputed transactions

Eligible BPCL fuel paid through the card channel earns accelerated points within the fuel cap. The dining, grocery, department-store and movie multiplier has a separate cap and merchant exceptions.

Checked 3 October 2026BPCL SBI Octane cardholder terms

BPCL SBI Octane FAQs

How much value back does the BPCL SBI Card OCTANE give on fuel?

Up to 7.25% on eligible BPCL card payments within reward and surcharge caps; RuPay UPI fuel gets neither reward nor surcharge waiver

Is there a cap on the fuel reward points?

Fuel rewards stop at 2,500 RP per statement cycle, reached at about ₹10,000 eligible BPCL fuel spend. Fuel above that cap does not earn the base rate. Bharatgas website/app purchases have a separate 500-RP cap. RuPay UPI fuel earns no BPCL fuel rewards or surcharge waiver.

What is the joining fee and how is it waived?

The card has a joining fee of ₹1,499 plus GST and an annual (renewal) fee of ₹1,499 plus GST. The annual fee is waived if you spend ₹2 lakh or more on the card in the preceding year.

What rewards does it give on non-fuel spends?

It earns 10 reward points per ₹100 on dining, groceries, departmental stores and movies (capped at 7,500 reward points per month), and 1 reward point per ₹100 on all other retail spends. No reward points are earned on non-BPCL fuel, rent or mobile wallet loads.

Does the BPCL SBI Card OCTANE offer airport lounge access?

Yes. It provides 4 complimentary domestic airport lounge visits per year, subject to a maximum of 1 visit per quarter. It does not include complimentary international lounge access.

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