The premium card for maximising fuel and lifestyle rewards
7.25% Value back on all BPCL fuel.
4 complimentary Domestic Lounge visits annually.
6,000 bonus Reward Points upon fee payment
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| Benefit | Details |
|---|---|
| Exceptional Fuel Rewards | Cardholders receive 7.25% Value back (equivalent to 25X Reward Points) on fuel, lubricants, and Bharat Gas spends at BPCL outlets. |
| Premium Travel Access | The card provides four complimentary visits to Domestic VISA Lounges in India per calendar year (limited to one visit per quarter). |
| Milestone Privileges | An e-Gift Voucher worth ₹2,000 is provided upon achieving annual spends of ₹3,00,000 from popular brands like Aditya Birla Fashion, Yatra, or Bata/Hush Puppies. |
| Fee Reversal Advantage | The annual renewal fee is reversed if the cardholder's annual spending in the preceding year totals ₹2,00,000 or more. |
| Generous Welcome Offer | A welcome gift of 6,000 bonus reward points (valued at ₹1,500) is credited to the account upon the one-time payment of the joining fee. |
| Attribute | Classification |
|---|---|
| Issuer / Provider | SBI Card & Payment Services Ltd. (in partnership with BPCL) |
| Bank / Non-bank | Bank-affiliated |
| Category | Fuel / Rewards / Travel |
| Type of Card | VISA |
| Free or Paid | ₹1,499 Annually + Taxes |
The BPCL SBI Card Octane is considered an excellent choice for individuals who prioritise maximising savings on their fuel expenses while also enjoying premium benefits across their lifestyle and travel needs. This card specifically rewards frequent travelers and those with substantial monthly expenditure on vehicle fuel, household necessities like gas, dining, and groceries. By combining a high reward rate on fuel spends with an accessible annual fee waiver on achieving a set spend threshold, the card delivers significant long-term value. Furthermore, the inclusion of airport lounge access and attractive milestone rewards makes it a compelling option for those seeking a premium co-branded card. It is particularly well-suited for professional drivers, corporate executives, or families with multiple vehicles.
Worldwide Acceptance: The card benefits from worldwide acceptance, enabling transactions at over 24 million international outlets and more than 3,25,000 outlets within India.
Add-on Cards: To extend the card's benefits to the family, the cardholder is entitled to obtain add-on cards for parents, spouses, children, or siblings who are over 18 years of age.
Simplified Utility Bill Payments: Cardholders can settle essential payments, including electricity, telephone, mobile, and other utility bills, with ease using the Easy Bill Pay facility available on the SBI Card platform.
Balance Transfer on EMI: For individuals seeking to manage existing debt more effectively, the card offers a Balance Transfer on EMI facility. This allows the transfer of outstanding balances from credit cards issued by other banks to the BPCL SBI Card Octane, often at a lower interest rate.
Flexipay Conversion: High-value transactions can be converted into comfortable EMIs using the Flexipay feature. Any single purchase of ₹2,500 or more is eligible for conversion into a monthly installment plan. This process must be initiated on the SBI Card online platform within 30 days of the original purchase.
Contactless Advantage: The card is enabled with Contactless technology, allowing for secure and swift transactions. For daily, small-ticket purchases, the cardholder can simply wave the card at a secure reader, providing a fast and convenient payment method.
Fraud Liability Cover: Cardholders are protected by a complimentary Fraud Liability Cover of ₹1,00,000. This cover remains valid for a period of 3 days prior to the reporting of the card's loss up to 7 days post the loss being reported.
7.25% Value back / 25X Reward Points on Fuel: Cardholders are rewarded with 25 Reward Points for fuel purchases at BPCL petrol pumps.
10X Reward Points on Key Spends: The card offers an accelerated reward rate on essential lifestyle categories, with 10 Reward Points for every ₹100 spent on transactions at Dining, Departmental Stores, Grocery, and Movies.
Standard Reward Points: A base earning rate of 1 Reward Point per ₹100 spent applies to all other retail purchases.
Redemption Value: Every 4 Reward Points are equivalent to ₹1 in value.
Instant Fuel Redemption: One of the most convenient redemption options is the instant redemption of accumulated reward points directly at select BPCL petrol pumps.
Shop & Smile Catalogue: Points can be redeemed for a diverse range of products, e-gift vouchers, and merchandise through the extensive Shop & Smile Rewards Catalogue provided by SBI Card.
Bonus Reward Points: Cardholders receive 6,000 bonus reward points, which carry a value equivalent to ₹1,500.
Eligibility: The bonus points are credited to the cardholder's account upon the successful payment of the one-time joining fee.
Credit Timeline: The welcome points are typically credited within 30 days of the annual fee payment, providing an early and significant value addition to the cardholder's account.
1% Waiver: A 1% fuel surcharge waiver is applicable across all BPCL petrol pumps in India.
Transaction Range: This waiver applies to transactions up to ₹4,000 (exclusive of GST and other charges).
Maximum Benefit: The maximum benefit from this waiver is capped at ₹100 per statement cycle per credit card account, which translates to a potential annual saving of ₹1,200.
E-Gift Voucher: Cardholders who achieve an annual spending of ₹3,00,000 are entitled to receive an e-Gift Voucher worth ₹2,000.
Choice of Vouchers: The vouchers are available from leading brands such as Aditya Birla Fashion, Yatra, or Bata/Hush Puppies, allowing the cardholder to select the option most aligned with their lifestyle needs.
Complimentary Access: The card offers four complimentary visits per calendar year to Domestic VISA Lounges located across India.
Disclaimer: The card features, benefits, application process, and other details mentioned above are accurate at the time of writing but may change without prior notice.
| Fee Type | Amount | Details |
|---|---|---|
| Joining Fee | ₹1,499 + GST | A one-time charge applied when the BPCL SBI Card Octane is issued. |
| Annual Fee | ₹1,499 + GST | Charged every year from the second year onwards. Waived if annual spends in the preceding year are ₹2,00,000 or more. |
| Add-on Card Fee | ₹0 | No charge for supplementary cards issued to eligible family members. |
| Fuel Surcharge | 1% on transactions up to ₹4,000 at BPCL outlets | Maximum benefit of ₹100 per month (contributes to the 7.25% value back). |
| Fee Reversal | N/A | Renewal Fee is reversed if annual spends in the last year are ≥ ₹2,00,000. |
| Criteria | Details |
|---|---|
Age (Minimum) | 18 years |
Occupation | Salaried or Self-Employed (The applicant must have a regular source of income) |
Credit Score | A good credit score is essential for a higher chance of approval. |
Nationality | Must be a citizen of India. |
| Document Type | Details |
|---|---|
| Identity Proof | Passport, Voter ID, Driving Licence, or Aadhaar Card. |
| Proof of Address | Aadhaar Card, Passport, Voter ID, or a Ration Card. |
| Income Proof | Salary Slip, IT Returns (Income Tax Returns), or Form 16. |
Click on Apply Now: Hit the 'Apply Now' button to start your application.
Fill in Your Detail: Enter your personal, contact, and financial details in the application form.
Upload Required Documents: Upload your PAN Card, Aadhaar/Address Proof, and Income Proof.
Submit Your Application: Review all the details and click Submit.
Approval & Card Delivery: Once approved, your BPCL SBI Card Octane will be delivered to your registered address.
| Usage Tips | Details |
|---|---|
Maximise Fuel Value back | Always utilise the BPCL SBI Card Octane for fuel purchase at BPCL outlets to consistently earn the superior 25X Reward Points (7.25% Value back). |
Leverage Accelerated Spends | Use the card for purchases at Dining establishments, Departmental Stores, Grocery stores, and Movie tickets to earn the generous 10X Reward Points, maximising lifestyle rewards. |
Redeem Points Instantly | Take advantage of the feature allowing for the instant redemption of accrued reward points directly at select BPCL petrol pumps to immediately offset fuel costs. |
Achieve Annual Fee Reversal | Strategically route all possible expenditures through the card to reach the ₹2,00,000 annual spend threshold and benefit from the next year's fee waiver. |
Monitor Security | Utilise the complimentary Fraud Liability Cover of ₹1,00,000, and immediately report any loss or theft of the card to the SBI Card helpline. |
The BPCL SBI Card Octane is designed for users who want to maximize their credit card benefits effectively.
Disclaimer: The information provided on this page has been gathered from various reliable sources and is intended solely for general informational purposes. As details may change over time, we do not guarantee the accuracy or completeness of the content. Users are advised to verify the information with official or relevant sources before making any decisions or taking action.