Credit Cards · Honest Review
BPCL SBI Card Octane
State Bank of India · Visa
Your Verdict
- ✓6.25% value back at BPCL fuel pumps, lubricants and Bharat Gas, capped 2,500 points/month
- ✓1% fuel surcharge waiver up to 100/month
- ✓Bonus rewards on groceries, dining, movies and department stores
- ✓2,000 e-voucher on 3 lakh annual spend milestone
- ✓4 complimentary domestic lounge visits per year
What BPCL SBI Card Octane costs you
BPCL SBI Card Octane carries a ₹1,499 annual fee and a ₹1,499 one-time joining fee. The annual fee is waivable: Spend 2 lakh in a year.
| Fee | Amount |
|---|---|
| Annual fee (year 2+) | ₹1,499 |
| Joining fee (one-time) | ₹1,499 |
| Fee waiver condition | Spend 2 lakh in a year |
| Spend required for waiver | ₹2,00,000 / year |
| Foreign transaction fee (forex markup) | 3.5% per transaction |
What you earn on every rupee spent
BPCL SBI Card Octane earns 1.00% on all eligible spends as a base reward rate, with accelerated rates on fuel, dining & food, groceries and other bonus categories listed below. Each reward point is worth ₹0.25 when redeemed, giving a clear rupee value for your earnings.
| Category | Reward rate |
|---|---|
| All other spends (base rate) | 1.00% |
| ⛽ Fuel | 6.25% (cap ₹2,500/mo) |
| 🍽️ Dining & Food | 2.5% (cap ₹7,500/mo) |
| 🛒 Groceries | 2.5% (cap ₹7,500/mo) |
| 🎬 Entertainment & OTT | 2.5% (cap ₹7,500/mo) |
6,000 bonus reward points (worth 1,500) on payment of joining fee
Reward types: Points · Discounts · Lounge
Beyond the reward rate
The non-reward benefits on BPCL SBI Card Octane are meaningful for frequent users. Here is what you get with the card.
Who can apply for BPCL SBI Card Octane
BPCL SBI Card Octane requires a minimum net monthly income of ₹25,000 for salaried applicants and a CIBIL score of 730 or above. It is open to salaried employees and self-employed professionals.
| Requirement | Detail |
|---|---|
| Minimum monthly income | ₹25,000 |
| CIBIL score | 730+ (good to excellent) |
| Age range | 21–70 years |
| Employment type | Salaried, Self-employed |
| Typical approval time | 7-10 working days |
Open to salaried and self-employed applicants meeting standard SBI Card income criteria.
Who should (and shouldn't) get BPCL SBI Card Octane
- → Heavy spenders on fuel who want 6.25% back
- → Heavy spenders on dining & food who want 2.5% back
- → Frequent travelers who value airport lounge access
- → Moderate spenders who can clear the fee waiver condition
- → International travelers — the 3.5% forex markup adds up quickly
BPCL SBI Card Octane — Questions answered
What is the annual fee for BPCL SBI Card Octane?
What is the minimum income required for BPCL SBI Card Octane?
What is the reward rate on BPCL SBI Card Octane for fuel?
Does BPCL SBI Card Octane provide airport lounge access?
How do I get the annual fee waived on BPCL SBI Card Octane?
How long does it take to get BPCL SBI Card Octane approved?
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Get My Personalised Verdict →Information on this page is gathered from public sources and the card issuer's official website. Fees and reward rates may change — verify the current terms on the issuer's website before applying. SingleVerdict may earn a referral fee if you apply through our links, which does not affect our scoring or editorial decisions.