SBI Card
BPCL SBI Card OCTANE
Your rating
Community rating
Joining Fee
₹1,499
Annual Fee
₹1,499
Reward Rate
0.25% – 7.25%
Forex Markup
3.5%
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Key Benefits
Rewards
How you earn back on every swipe
points
Reward type
0.25% – 7.25%
Earn rate
24 months
Point expiry
Fees & Charges
Programme fees we track below. Interest on cash withdrawals or revolving balances, late-payment slabs and other charges are set by the bank and spelled out in their Most Important Terms and Conditions (MITC). Use the official product page for those details.
Travel & Lounge Access
Airport perks included with this card
1 per quarter
Domestic lounge visits
0 per year
International lounge visits
Things to Keep in Mind
- 25X fuel points only at BPCL petrol pumps
- No reward points on EMI, cash advances, utility payments, government transactions
Card Features
Tips & reviews
Community comments — not financial advice. Bank terms still apply.
Eligibility
Employment type
Pros & Cons
- One of the best fuel credit cards in India
- Excellent rewards for BPCL fuel spends
- Strong accelerated rewards on everyday categories
- Lounge access adds good extra value
- Welcome rewards nearly offset first-year fee
- Good milestone and annual spend benefits
- Suitable for high monthly fuel spenders
- Best rewards limited only to BPCL fuel stations
- Reward redemption mainly optimized for BPCL fuel
- Base rewards on non-bonus spends are weak
- Fuel surcharge waiver capped at ₹100/month
- No international lounge access
- Forex markup is high for international usage
- Annual fee may not justify value for low fuel spenders
Who is this card for?
High-volume BPCL fuel buyers spending ₹10,000–₹30,000/month at BPCL pumps. The 7.25% effective return on fuel is the highest available on any co-branded fuel card in India.
Quick Links
Data last updated 24 Mar 2026