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How to Apply for the SBI BPCL Octane Credit Card in 2026

Rahul Dabhi's profile photo Rahul Dabhi
3 min read
Reviewed by Renish Mithani Last reviewed 5 September 2026 Data verified 5 September 2026

The SBI BPCL Octane Credit Card is a super-premium fuel card co-branded with BPCL. It offers 7.25% effective cashback on fuel spends at BPCL pumps (5% cashback + 2.5% surcharge waiver), 6,000 welcome reward points, 4 domestic lounge visits per year, and a milestone gift voucher of ₹5,000 on spends of ₹5 lakh in a year. The annual fee is ₹1,499, waived on ₹1.5 lakh spends.

Why this matters

BPCL Octane is the most rewarding fuel card in India. The 7.25% effective cashback is unmatched — no other fuel card pays that rate. If you spend ₹5,000/month on fuel at BPCL, the cashback is ₹362/month, recovering the annual fee in 4 months. The 4 domestic lounge visits are a useful secondary benefit.

How to Apply for the SBI BPCL Octane Credit Card in 2026

How to apply Total time: 15 min · Estimated cost: ₹1,499 (joining fee) · You’ll need: PAN, Aadhaar, mobile, salary slips, bank statement

Apply for the SBI BPCL Octane Credit Card and earn 7.25% effective cashback on fuel spends at BPCL pumps. Income, eligibility, and walkthrough.

  1. Check BPCL Octane eligibility — You must be 21–60 years old, a resident Indian, with a minimum monthly income of ₹35,000 for salaried. CIBIL score of 720+ is preferred.
  2. Apply online via SBI Card website — Visit sbicard.com → Personal → Credit Cards → BPCL Octane. Click Apply Now. The form is pre-filled if you are an existing SBI customer.
  3. Complete the application — Provide your name (as on PAN), PAN, Aadhaar, mobile, email, address, employment details, and monthly income.
  4. Complete Aadhaar eKYC — Authorize Aadhaar OTP eKYC. Verification completes within 60 seconds.
  5. Upload income documents — Upload the latest 3 months’ salary slips and the last 6 months’ bank statement. Self-employed applicants must upload 2 years’ ITR with computation and Form 26AS.
  6. Submit and track — Submit the form. The 12-digit application reference is shown. Track status in SBI Card app. Approval takes 7–10 working days.
  7. Pay the joining fee and receive the card — Once approved, SBI will charge ₹1,499 + GST as the joining fee. The card is delivered within 5 working days. Activate via IVR, SBI Card app, or at any SBI ATM.
  8. Use the card at BPCL pumps — Use the card at any BPCL fuel station in India to earn 5% cashback + 2.5% surcharge waiver = 7.25% effective cashback. The cashback is capped at ₹1,500 per month.

Common mistakes to avoid

The 5% cashback is capped at ₹1,500 per month and ₹1,000 per transaction. Large fuel transactions above ₹20,000 will not get the full 5%. The 2.5% surcharge waiver is capped at ₹250 per month.

Pro tips

  • Use the card only at BPCL pumps to maximise 7.25% effective cashback
  • Split large fuel transactions into smaller ones (under ₹20,000) to maximise the per-transaction cap
  • Use the card for groceries and dining to chase the ₹5,000 milestone voucher
  • Track the ₹1,500/month cashback cap in the SBI Card app

Frequently asked questions

What is the annual fee on BPCL Octane?

₹1,499 + GST, waived on ₹1.5 lakh spends in the previous 12 months.

What is the 5% cashback cap?

5% is capped at ₹1,000 per transaction and ₹1,500 per month.

Does the card include lounge access?

Yes. 4 domestic lounge visits per year via Dreamfolks.

Disclosure: FinWiz24 may earn a commission when you apply through links on this page. This does not influence our editorial independence — every card is scored against the same rubric.

Sources

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