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BPCL SBI Octane

Built for BPCL loyalists.

BPCL SBI Card OCTANE

7.25% on fuel

10X everyday

4 lounges

Up to 7.25% on BPCL fuel

Earn 25 reward points per ₹100 at BPCL pumps (about 6.25% back), plus a 1% fuel surcharge waiver — roughly 7.25% combined.

Best at ₹5k–₹10k fuel

Fuel reward points cap at 2,500 per statement cycle, so the sweet spot is ₹5,000–₹10,000 of BPCL fuel a month.

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 reward points per ₹100 at BPCL pumps (~6.25% back); 1 RP = ₹0.25
Total fuel value-backUp to ~7.25% at BPCL (6.25% reward points + 1% fuel 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 reward point per ₹100
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

Facts last verified 16 June 2026 against issuer pages and terms. Always confirm on the issuer's application page.

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. Fuel reward points cap at 2,500 a month, 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.

BPCL SBI Octane FAQs

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

On fuel bought at BPCL pumps it earns 25 reward points per ₹100, and each reward point is worth ₹0.25, giving about 6.25% back in points. Adding the 1% fuel surcharge waiver, the combined value is up to roughly 7.25% on BPCL fuel spends.

Is there a cap on the fuel reward points?

Yes. Fuel reward points are capped at 2,500 reward points per statement cycle, which corresponds to about ₹10,000 of BPCL fuel spend per month. Spending beyond that in a cycle still earns the base rate but not the accelerated 25-points-per-₹100 rate.

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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