BPCL SBI Card OCTANE
The BPCL SBI Card OCTANE is the premium tier of BPCL's co-branded card, offering India's highest reward rate on fuel.
Fuel & Petrol Fit Score
97/100
Joining Fee
₹1,499
Annual Fee
₹1,499
Reward Rate (%)
0.25 – 6.25
1 pts/₹100 · ₹0.25/pt
Forex Markup
3.5%
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CardCheck Rating & Score
Our proprietary algorithm evaluates cards across reward value, fee fairness, lounge access and terms to provide an unbiased score.
Reward Power
34/35
Fee Value & ROI
20/25
Lounge & Perks
11/20
Forex & Access
12/20
Category Strengths Breakdown
Ranked by strongest spend categoryScoring Methodology: Evaluated deterministically using verified bank MITC filings, fee waiver spend ratios, reward percentage caps, and lounge agreements. No card receives sponsored score inflation. Learn how we score →
BPCL SBI Card OCTANE Benefits
BPCL SBI Card OCTANE Rewards
How you earn back on every swipe
points
Reward type
0.25% – 6.25%
Earn rate
1
Points / ₹100
₹0.25
Per point
24 months
Point expiry
₹625
Monthly cap
BPCL SBI Card OCTANE Fees & Charges
Programme fees we track below. Interest on cash withdrawals or revolving balances, late-payment slabs and other statutory charges are detailed in the official Most Important Terms and Conditions (MITC).
BPCL SBI Card OCTANE 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
Fee Waiver Spend Simulator
Simulate your spend to check waiver eligibility
🎉 Annual renewal fee 100% waived! At ₹16,667/mo (₹2,00,004/yr), your ₹1,499 fee drops to ₹0.
Tips & reviews
Community comments — not financial advice. Bank terms still apply.
BPCL SBI Card OCTANE 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 4 Sept 2026
Calculate your exact earnings with BPCL SBI Card OCTANE
Enter your monthly spending in groceries, dining, fuel, travel, and shopping to calculate your estimated net return after fees, reward caps and exclusions.
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