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BPCL SBI Octane

BPCL SBI Octane

SBI Cards
|
Fuel Lounge Access

Annual Fee

₹1,499

Rewards/₹100 ⓘ

₹0.25 - ₹3.25

Normalized to balance base rate with bonus categories

Interest Rate

42.00%

Credit Score

750+

Quick Details

Annual Fee
₹1,499 #195
Joining Fee
₹1,499 #196
Interest Rate
42.00% p.a. #108
Forex Markup
3.50% #75
Rewards/₹100
₹0.25 - ₹3.25 #41
Reward Type Reward Points
Reward Currency Points
Domestic Lounge Visits
4/year #61
Min Credit Score
750+ #186
Min Monthly Income ₹50
Network VISA
Late Payment Fee 15.00% (min ₹100)
Over Limit Fee ₹600
Cash Advance Fee 2.50% (min ₹500)
Fee Waiver on Spend ₹2,00,000/yr

Reward Structure

Partner

BPCL Fuel, Lubricants, Bharat Gas

₹6.25 /₹100
Cat

Dining, Dept Stores, Grocery, Movies

₹2.50 /₹100
Base

All Spends

₹0.25 /₹100

Reward Calculator

₹
Allocate by Category100%
BPCL Fuel, Lubricants, Bharat Gas
25.0 pts
50%₹25,000
Dining, Dept Stores, Grocery, Movies
10.0 pts
30%₹15,000
Other Spends
1.0 pts
20%₹10,000
Your Rewards
Points Earned2,225
Cash Value₹556
Breakdown
BPCL Fuel, Lubricants, Bharat Gas625
Dining, Dept Stores, Grocery, Movies1,500
Other Spends100
Total Value₹556
Quick amounts:

Milestone Benefits

Welcome Bonus

6,000 bonus reward points (Rs 1,500 value) on paying annual fee

₹1,500

value

Milestone

Rs 2,000 gift voucher on Rs 3L annual spend

Spend ₹3,00,000 within 365 days

₹2,000

value

Airport Lounge Access

Domestic Free
4

visits per year

4 domestic lounge visits per year (max 1 per quarter).

Insurance Coverage

Lost Card

₹0

Zero liability.

Fraud

₹0

Zero liability.

Category Rankings

See how this card performs in different spending categories compared to other cards.

Dining #1 /15
10.0000 pts/₹100 Top 7%
Fuel #1 /3
25.0000 pts/₹100 Top 34%

Quick Analysis

BPCL SBI Octane is the premium fuel card for high fuel spenders offering 7.25% value back at BPCL. Worth it if monthly fuel bill exceeds Rs 8,000.

Pros

  • 7.25% value back on BPCL fuel (25X points + 1% surcharge waiver)
  • 25X rewards on BPCL Lubricants and Bharat Gas
  • 10X rewards on dining, departmental stores, grocery, movies
  • 6,000 welcome bonus points (Rs 1,500 value)
  • 4 domestic airport lounge visits per year
  • Rs 2,000 voucher on Rs 3L annual spend
  • 1% fuel surcharge waiver up to Rs 4,000
  • RuPay variant for UPI rewards
  • Fraud liability cover Rs 1 lakh

Cons

  • Higher annual fee of Rs 1,499
  • Fuel rewards capped at 2,500 points/cycle
  • Fee waiver requires Rs 2L spend
  • Rs 99 redemption fee
  • Best value only at BPCL pumps
  • No rewards on non-BPCL fuel

Best For

High fuel spenders, BPCL loyalists, frequent travelers

Not Ideal For

Low fuel spenders, non-BPCL users

Frequently Asked Questions

What are the fees for BPCL SBI Octane Credit Card?
The BPCL SBI Octane Credit Card has a joining fee of Rs 1,499 and annual fee of Rs 1,499. The annual fee can be waived on spending Rs 200,000 in the previous year.
What is the eligibility criteria for BPCL SBI Octane Credit Card?
To be eligible for the BPCL SBI Octane Credit Card, you need a minimum monthly income of Rs 50,000-1 Lakh/month, age between 21-65 years, and a credit score of 750+. SBI Cards customers with existing relationships may get preferential treatment.
What rewards does BPCL SBI Octane Credit Card offer?
The BPCL SBI Octane Credit Card earns reward points on all spending. Each reward point is valued at approximately Rs 0.25. Points can be redeemed for vouchers, merchandise, or travel bookings through the SBI Cards rewards portal.
Does BPCL SBI Octane Credit Card offer airport lounge access?
Yes, the BPCL SBI Octane Credit Card provides complimentary airport lounge access. Please check the lounge access section above for detailed information on domestic and international lounge visits.
How can I apply for BPCL SBI Octane Credit Card?
You can apply for the BPCL SBI Octane Credit Card through SBI Cards official website, mobile app, or by visiting your nearest SBI Cards branch. Existing customers can also apply through net banking.

User Reviews

Our Rating

3.1
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on SBI Cards's website

Rating Breakdown

Rewards
3.7/5 Top 43%
Benefits
2.4/5
Fees
3.2/5 Top 65%
Value for Money
3.0/5 Top 72%
User Reviews
3.0/5 Top 50%

Important Links

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