Find my best card →
faayda.com › cards › BPCL SBI Card Octane
SBI Card · Visa / RuPay · हिन्दी

BPCL SBI Card Octane: full review

The BPCL SBI Octane is the best fuel credit card in India for BPCL users. At 7.25% value back on BPCL fuel, anyone spending ₹4,000+/month on BPCL petrol will recover the annual fee within months. The 2.5% on dining and grocery adds everyday value.

Apply now ↗Annual fee: ₹1,499 + taxes
Last updated: August 2026 · Current terms verified
SBI CARD
VISA
)))
BPCL OCTANE
ASHOK KUMAR
12/28
₹1,499 + taxes (waived on ₹2,00,000/year spend)Annual fee
7.25% value back on BPCL fuel (6.25% as reward points + 1% surcharge waiver); 2.5% on dining, grocery, movies; 1 RP/₹100 on othersReward structure
4 domestic visits/year (1 per quarter)Lounge access

Key benefits of the BPCL SBI Card Octane

25X reward points per ₹100 at BPCL fuel pumps (6.25% value back, capped 2,500 RP/month)1% fuel surcharge waiver on BPCL transactions (up to ₹4,000/transaction, max ₹100/month)10X reward points per ₹100 on dining, departmental stores, grocery and movies (2.5% value back)1 RP per ₹100 on all other spends4 complimentary domestic lounge visits per year6,000 bonus reward points (worth ₹1,500) on joining fee payment
Apply now ↗ Min. income: ₹25,000/month (salaried) · Credit score: 700+
Pros and cons
Pros
✓ Best fuel cashback in India at 7.25% on BPCL pumps
✓ Welcome bonus of ₹1,500 offsets first-year fee entirely
✓ Good 2.5% on dining and grocery as secondary categories
✓ Lounge access at this fee tier is strong
Cons
✗ Only useful at BPCL pumps, no benefit at HPCL/Indian Oil
✗ Fuel reward capped at 2,500 RP/month (₹10,000 fuel spend)
✗ Redemption fee of ₹99 per redemption request
✗ ₹1,499 fee needs decent fuel spend to justify
Quick facts
Issuer SBI Card
Network Visa / RuPay
Annual feeThe yearly fee a bank charges for holding the card, often waived if you spend enough in a year.Full definition → ₹1,499 + taxes (waived on ₹2,00,000/year spend)
Joining feeA one-time fee charged when you first get the card, separate from the recurring annual fee.Full definition → ₹1,499
Lounge accessFree entry to airport lounges, usually limited to a set number of visits per quarter or year.Full definition → 4 domestic visits/year (1 per quarter)
Forex markupThe extra fee your bank adds on top of the real exchange rate for any spend in a foreign currency.Full definition → 3.5%
Min. incomeThe minimum income, credit score, and other conditions a bank requires before approving your application.Full definition → ₹25,000/month (salaried)
Min. credit scoreYour 3-digit credit score (300-900), higher scores make approval easier and can unlock better cards.Full definition → 700+
SourceSBI Card's published card terms and official card page · Last updated August 2026
Calculate your annual benefit

Enter your typical monthly spend to see exactly how much you'd earn with this card.

₹
₹
₹
₹
₹
₹
Enter your monthly spend above to see your benefit
Frequently asked questions
The annual fee for BPCL SBI Card Octane is ₹1,499 + taxes (waived on ₹2,00,000/year spend). The joining fee is ₹1,499.
The main benefits of the BPCL SBI Card Octane are: 25X reward points per ₹100 at BPCL fuel pumps (6.25% value back, capped 2,500 RP/month); 1% fuel surcharge waiver on BPCL transactions (up to ₹4,000/transaction, max ₹100/month); 10X reward points per ₹100 on dining, departmental stores, grocery and movies (2.5% value back); 1 RP per ₹100 on all other spends; 4 complimentary domestic lounge visits per year; 6,000 bonus reward points (worth ₹1,500) on joining fee payment.
7.25% value back on BPCL fuel (6.25% as reward points + 1% surcharge waiver); 2.5% on dining, grocery, movies; 1 RP/₹100 on others
BPCL SBI Card Octane is best for Regular BPCL fuel users who want the highest fuel cashback in India. The BPCL SBI Octane is the best fuel credit card in India for BPCL users. At 7.25% value back on BPCL fuel, anyone spending ₹4,000+/month on BPCL petrol will recover the annual fee within months. The 2.5% on dining and grocery adds everyday value.
The minimum income requirement for BPCL SBI Card Octane is ₹25,000/month (salaried). A minimum credit score of 700+ is also recommended.
Yes, BPCL SBI Card Octane offers 4 domestic visits/year (1 per quarter).
BPCL SBI Card Octane charges a 3.5% foreign currency markup on international transactions. This is in line with the standard 3.5% charged by most Indian credit cards.
Related guides
Best Fuel Credit Cards →Best Dining Credit Cards →Best Credit Cards for Swiggy and Zomato →Best Credit Cards for Grocery Shopping →Best Credit Cards for Movies & Entertainment →
Card reviews
RBL Bank IndianOil XTRA Credit CardHeavy IndianOil fuel spenders who will redeem points at IndianOil pumps, not those wanting flexible cashbackTata Neu Infinity SBI CardHeavy Tata ecosystem shoppers wanting NeuCoins across Air India, BigBasket, Croma, Westside and Tanishq, with a genuinely strong 1.5% base rate elsewhereYES Essence Credit CardSalaried women wanting lifestyle rewards on dining, shopping, beauty and travel with lounge accessAxis ACE Credit CardUtility bill payments and everyday flat cashback
Compare with similar cards
BPCL SBI Card Octane vs RBL Bank IndianOil XTRA Compare →BPCL SBI Card Octane vs BPCL SBI Compare →BPCL SBI Card Octane vs IDFC FIRST Power Plus Compare →
Embed this card
Add this widget to your site
Writing a review or comparison for the BPCL SBI Card Octane? Embed this live widget. It always shows our current, verified fee and reward rate, so it never goes stale.
Live preview
<iframe src="https://faayda.com/embed/sbi-bpcl-octane"
  width="420" height="260"
  frameborder="0"></iframe>
No sign-up · Free to use
BPCL SBI Card Octane₹1,499 + taxes
Apply now ↗