State Bank of India
SBI BPCL Octane Credit Card
Best for BPCL fuel savings
₹1,499/yr annual fee · 1x rewards
By FinWiz24 Research Desk · Last reviewed · How we review
FinWiz24 Research Desk
Verified independently against issuer Terms & Conditions
Editorial Team
Annual fee
₹1,499/yr
Reward rate
1x
Min. income
₹3,00,000
Forex markup
Not published
Lounge access
Domestic only
Eligibility
Not published
Reward cap
Max 2,500 RP per billing cycle (Bharat Gas capped at 500 RP)
Welcome benefit
6,000 bonus Reward Points worth Rs 1,500 credited within 30 days of annual fee payment
BPCL SBI Card Octane returns 7.25% value back on BPCL fuel via 25 reward points per Rs 100, for a Rs 1,499 annual fee with 4 domestic lounge visits a year.
Who is this for
- Daily driver
- Frequent traveller
What we like
- Fuel surcharge waiver
Watch out for
- ₹1,499 non-waiver joining fee
Issuer
Fees and charges
| Fee | Amount | Waiver |
|---|---|---|
| Joining fee | ₹1,499 | Not waivable |
| Annual fee | ₹1,499 | Not waivable |
| Renewal fee | ₹1,499 | Renewal fee reversible if annual spend last year was at least Rs 2,00,000 |
| Fuel surcharge | 1% | 1% fuel surcharge waiver on BPCL transactions up to Rs 4,000, POS swipes only |
Rewards
| Spend category | Rate | Cap | Redemption |
|---|---|---|---|
| All spends | 1 Reward Point per Rs 100 spent on other retail purchases (excludes mobile wallet uploads and non-BPCL fuel spends) | — | 4 Reward Points = Re 1 |
| FUEL | 25 Reward Points per Rs 100 at BPCL fuel pumps, lubricants and Bharat Gas (website/app only); about 7.25% value back… | Max 2,500 RP per billing cycle (Bharat Gas capped at 500 RP) | 4 RP = Re 1 |
| DINING | 10 Reward Points per Rs 100 on dining, departmental stores, grocery and movies | Up to 7,500 RP per month | 4 RP = Re 1 |
Benefits
-
7.25% value back on BPCL fuel Highlight
6.25% reward value plus 1% fuel surcharge waiver on every BPCL transaction up to Rs 4,000 (exclusive of GST)
-
Welcome gift 6,000 RP
6,000 bonus Reward Points worth Rs 1,500 credited within 30 days of annual fee payment
-
4 domestic lounge visits
4 complimentary domestic Visa airport lounge visits per calendar year, maximum 1 per quarter
-
Rs 2,000 milestone voucher
e-Gift vouchers worth Rs 2,000 from Aditya Birla Fashion, Yatra or Bata/Hush Puppies on annual spends of Rs 3 lakh
Eligibility
- Documents
- Apply via sbicard.com; issuer publishes only an income band (Rs 50,000-99,999 per month) rather than a fixed minimum; add-on card fee nil.
Read the full application walkthrough: SBI BPCL Octane Credit Card apply guide.
Fees and charges
- Joining fee: Rs 1,499
- Annual fee: Rs 1,499
- Renewal fee: Rs 1,499 — Renewal fee reversible if annual spend last year was at least Rs 2,00,000
- Fuel surcharge: 1% — 1% fuel surcharge waiver on BPCL transactions up to Rs 4,000, POS swipes only
Rewards
- ALL: 1 Reward Point per Rs 100 spent on other retail purchases (excludes mobile wallet uploads and non-BPCL fuel spends) Redemption: 4 Reward Points = Re 1.
- FUEL: 25 Reward Points per Rs 100 at BPCL fuel pumps, lubricants and Bharat Gas (website/app only); about 7.25% value back including the 1% surcharge waiver (Cap: Max 2,500 RP per billing cycle (Bharat Gas capped at 500 RP)) Redemption: 4 RP = Re 1.
- DINING: 10 Reward Points per Rs 100 on dining, departmental stores, grocery and movies (Cap: Up to 7,500 RP per month) Redemption: 4 RP = Re 1.
Benefits
- 7.25% value back on BPCL fuel: 6.25% reward value plus 1% fuel surcharge waiver on every BPCL transaction up to Rs 4,000 (exclusive of GST)
- Welcome gift 6,000 RP: 6,000 bonus Reward Points worth Rs 1,500 credited within 30 days of annual fee payment
- 4 domestic lounge visits: 4 complimentary domestic Visa airport lounge visits per calendar year, maximum 1 per quarter
- Rs 2,000 milestone voucher: e-Gift vouchers worth Rs 2,000 from Aditya Birla Fashion, Yatra or Bata/Hush Puppies on annual spends of Rs 3 lakh
Eligibility
Apply via sbicard.com; issuer publishes only an income band (Rs 50,000-99,999 per month) rather than a fixed minimum; add-on card fee nil.
Terms last reviewed 3 Sept 2026 against issuer-published schedules.
Issuer: State Bank of India. FinWiz24 may earn a commission from application links; scoring is unaffected — see our affiliate disclosure.
Step-by-step application guide: Read the SBI BPCL Octane Credit Card apply walkthrough →
Apply for SBI BPCL Octane Credit Card
Last reviewed · How we review
FinWiz24 may earn a commission from issuer links. Our editorial process is independent and unbiased.
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Frequently asked questions
Is the SBI BPCL Octane Credit Card worth it?
What is the annual fee for the SBI BPCL Octane Credit Card?
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Does the SBI BPCL Octane Credit Card offer airport lounge access?
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