BPCL SBI Card OCTANE review
Drivers who refuel mainly at BPCL pumps. Verified as of June 2026.
By NexMaxo Editorial Team · Terms verified June 2026 · confirm before applying
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At a glance
SBI Card · Visa
7.25% value back on BPCL fuel (25 reward points per ₹100), plus 10X on groceries & dining.
- Annual fee
- ₹1,499 + GST (reversed on ₹2L annual spend)
- Reward rate
- 25 RP/₹100 BPCL fuel (≈7.25%); 10X groceries/dining; 1 RP = ₹0.25
- Lifetime-free
- No
- Network
- Visa
- Eligibility
- 18+ yrs; salaried/self-employed (≈₹30k/mo, aggregator-sourced)
Why it stands out
- 25 reward points per ₹100 at BPCL fuel — ≈7.25% (cap 2,500 RP/cycle)
- 10X reward points on groceries, departmental stores, dining & movies (cap 7,500 RP/mo)
- 1% fuel-surcharge waiver on BPCL up to ₹4,000/txn (1 RP = ₹0.25)
Good to know
- It isn't lifetime-free — the annual fee (₹1,499 + GST (reversed on ₹2L annual spend)) applies unless you meet the spend-based waiver.
- Accelerated rewards are usually capped — check the monthly/quarterly caps in the reward rate above before counting on them.
- Issuers revise card terms often, so confirm the current fees, rewards and eligibility on SBI Card's official page before applying.
How it compares
See it ranked against similar cards in our best fuel credit cards roundup.
BPCL SBI Card OCTANE — FAQs
No. The BPCL SBI Card OCTANE carries a fee — ₹1,499 + GST (reversed on ₹2L annual spend). That fee is typically refunded only if you meet a spend threshold, so it's a spend-based waiver rather than a genuine lifetime-free card.
₹1,499 + GST (reversed on ₹2L annual spend). Fees are dated as of June 2026 and can change — check the current schedule of charges on SBI Card's official page before applying.
7.25% value back on BPCL fuel (25 reward points per ₹100), plus 10X on groceries & dining. In detail: 25 RP/₹100 BPCL fuel (≈7.25%); 10X groceries/dining; 1 RP = ₹0.25. Reward values and caps are indicative and set by the issuer.
Drivers who refuel mainly at BPCL pumps. Eligibility is broadly 18+ yrs; salaried/self-employed (≈₹30k/mo, aggregator-sourced). It's not advice — pick a card that fits your own spending and confirm you qualify on the issuer's page.
This is an informational review, not financial advice or a recommendation to apply. Card terms change often — confirm current fees, reward rates and eligibility on SBI Card's official page before applying. Using credit responsibly and paying your bill in full avoids interest.