Fuel
BPCL SBI Card Octane Credit Card
A fuel card for BPCL users: about 6.25% back at BPCL pumps, 2.5% on dining, movies and groceries, and 4 domestic lounge visits a year.
Joining fee₹1,499 + GST
Annual fee₹1,499 + GST
Fee waiverOn ₹2 lakh spend a year
Top reward25 points per ₹100 at BPCL
Lounge4 domestic a year
Forex markup3.5%
Best for: Car owners who spend ₹5,000 to ₹10,000 a month on fuel at BPCL pumps.
Rewards and cashback
| Where you spend | You earn | Limit |
|---|---|---|
| BPCL fuel | 25 points per ₹100 (about 6.25%) | 2,500 points a cycle (₹10,000 fuel) |
| Dining, movies, groceries, department stores | 10 points per ₹100 (about 2.5%) | 7,500 points a month |
| Other spends | 1 point per ₹100 | – |
| Wallet loads, rent, cash, EMI | Nothing | – |
- 1 point = ₹0.25, for statement credit, catalogue or fuel at BPCL.
Benefits
Welcome benefit
- 6,000 points (₹1,500) on paying the joining fee.
Milestones
- ₹2,000 e-voucher on ₹3 lakh yearly spend.
Travel and lounges
- 4 domestic lounge visits a year (1 a quarter).
Fuel and forex
- 1% fuel surcharge waiver, up to ₹100 a month.
- Forex markup 3.5%.
Fees and charges
| Joining fee | ₹1,499 + GST (₹1,769) |
|---|---|
| Annual fee | ₹1,499 + GST, waived on ₹2 lakh yearly spend |
| Interest | 3.75% a month |
| Forex markup | 3.5% |
GST at 18% applies on fees. Banks change charges from time to time; the bank’s own terms are final.
Who can apply
- Salaried or self-employed
You will usually need PAN, Aadhaar or address proof, and income proof (salary slips or ITR). A credit score of 750 or more improves your chances.
Pros and cons
What we like
- One of the best fuel returns at BPCL
- Welcome points cover the fee
- Lounge access included
Watch out for
- Only BPCL fuel earns the top rate
- Fuel reward stops at ₹10,000 a month
- Points worth ₹0.25
Frequently asked questions
How much can I save on fuel with BPCL SBI Octane?
About 6.25% back plus the surcharge waiver, on up to ₹10,000 of BPCL fuel a month.
Ready to apply for the BPCL SBI Card Octane Credit Card?Applying takes about 10 minutes online. Approval depends on the bank.
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Sources: CardAdvisor. Details checked on 22 Oct 2026. For information only, not financial advice; always read the bank’s most important terms (MITC) before applying.