BPCL SBI Card OCTANE

Name: BPCL SBI Card OCTANE
Brand: SBI Card

WalletWalk Rating

Best for fuel savings and accelerated reward points

Last updated: 23-Aug-2025

Overview

The BPCL SBI Card OCTANE is tailor-made for motorists, offering unmatched value on fuel spends at BPCL petrol pumps along with lifestyle rewards, lounge access, and milestone gifts.

Pros

↑Get 7.25% value back (25X points) on BPCL fuel spends
↑Annual e-voucher worth ₹2,000 on ₹3L spend

Cons

↓Reward caps on fuel (2,500 points / month)
↓Limited travel benefits, with no international lounge access

Key Highlights

Welcome Offer
Get 6,000 bonus points worth ₹1,500 on fee payment
6,000 bonus RP (worth ₹1,500) are credited to the cardholder’s account within 30 days of paying the annual fee.

Reward Rate
1X - 25X RP /  ₹100 on eligible spends
25X RP / ₹100 on BPCL fuel, lubricants, and Bharat Gas
10X RP / ₹100 on dining, groceries, departmental stores & movies (Max cap: 7,500 points / month)
1X RP / ₹100 on all other retail spends

Joining Fee
₹1499

Annual Fee
₹1499 (from second year onwards)
Annual fee waived on ₹2L annual spend

Key Benefits

Bill Payment

▼

Pay bills using Easy Bill Pay

Dining

▼

10X RP on dining spends

Food Delivery

▼

1X RP / ₹100 on all retail spends including food delivery

Fuel

▼

25X RP / ₹100 on BPCL fuel, lubricants, and Bharat Gas (website / app only) + 1% surcharge waiver at BPCL petrol pumps

Grocery

▼

10X RP on grocery spends

Lifestyle

▼

10X RP / ₹100 on movies

Milestone

▼

₹2,000 worth gift vouchers on ₹3L annual spend

Reward Points

▼

25X RP / ₹100 on BPCL fuel, lubricants, and Bharat Gas (website / app only)
10X RP / ₹100 on dining, groceries, departmental stores & movies (up to 7,500 points / month)
1X RP / ₹100 on all other retail spends

Shopping

▼

10X RP / ₹100 on departmental stores

Airport Lounge Access

▼

4 free visits annually (1 visit / quarter)

Liability Protection

▼

₹1 lakh fraud liability cover (3 days pre, 7 days post reporting loss)

Balance Transfer

▼

No interest if payment made within 60 days.
Can be taken for ₹5,000 to max 75% of credit limit

Emi

▼

Convert purchases into EMI for transaction over ₹2,500

Detailed Information

Joining Fee	₹1499
Annual Fee	₹1499 (from second year onwards)
Annual Fee Waiver	Annual fee waived on ₹2L annual spend
Monthly Percentage Rate	3.50%
Annual Percentage Rate	42.00%
Foreign Currency Markup	3.50%
Late Payment Charges	₹400 - ₹1,300 (Based on outstanding amount due)
Overlimit Charges	2.5% of the overlimit amount that exceeds the credit limit or ₹600
Cash Advance Fee	2.5% (subject to min. of ₹500)
Balance Transfer Fee	Within 60 days, 2% or ₹199 (whichever is higher) - Within 180 days, interest charged at 1.7% p.m. (20.4% p.a) but nil fees
Card Replacement Fee	₹100
Fee For Cheque Bounce	2% of Payment amount (subject to a min. of ₹500)

Identity Proof	Recent passport size photograph, Copy of masked Aadhaar / Virtual ID card (both sides mask first 8-digits of Aadhaar Number), Voter ID Card (both sides), Driving License\* (both sides), Passport (any one of the mentioned)
Address Proof	Copy of masked Aadhaar / Virtual ID card (both sides mask first 8-digits of Aadhaar Number), Letter issued by the National Population Register containing details of name and address, Job card issued by NREGA duly signed by an officer of the State Government, utility bill.
Income Proof Salaried	Salary Slip, Income tax return
Income Proof Self Employed	Registration certificate, CST/VAT/ GST certificate (provisional/final), Permanent Account Number or the equivalent e-document thereof or Form 60

BPCL SBI Card OCTANE

Age Requirement Salaried	21 to 70 years
Age Requirement Self Employed	21 to 70 years
Minimum Credit Score	750

Age Requirement Salaried	21 to 70 years
Age Requirement Self Employed	21 to 70 years
Minimum Credit Score	750