BPCL SBI Card Octane – 7.25% Value Back on Fuel at BPCL + Exclusive Rewards [2025]

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Card Fees

₹1499

Joining Fees

₹1499

Annual Fees

3.5%

Foreign Transaction Fee

3.5%

APR

2.5%

Over-limit Fee

Eligibility Criteria

18

Minimum & maximum age criteria

₹20,000

Minimum monthly income

750

Minimum credit score

Category

, , ,

Minimum Credit Score Required

750

Annual Charges

₹1499

Features

  • 7.25% value back on BPCL fuel
  • 4 complimentary domestic lounge visits
  • ₹2,000 milestone gift vouchers

Welcome Offer

  • 6,000 bonus reward points on activation​

The BPCL SBI Card Octane offers up to 7.25% value back on BPCL fuel purchases, along with accelerated rewards on dining, movies, and groceries, plus travel and lifestyle benefits.

Written By:

Aftab Memon

Last Updated:

May 1, 2025

Key Features

  • Fuel Benefits:
    • Earn 25 reward points per ₹100 spent on BPCL fuel (7.25% value back, including 1% surcharge waiver)
    • Maximum of 2,500 reward points per billing cycle
    • 1% fuel surcharge waiver on transactions up to ₹4,000 (maximum ₹100 per month)
  • Accelerated Rewards:
    • 10 reward points per ₹100 spent on dining, movies, groceries, and departmental stores (maximum 7,500 reward points per month)
    • 1 reward point per ₹100 on other spends
  • Travel Benefits:
    • 4 complimentary domestic airport lounge visits per year (1 per quarter)
  • Milestone Benefits:
    • ₹2,000 gift voucher from Aditya Birla Fashion, Yatra, Bata/Hush Puppies on annual spends of ₹3 lakh.

Fees and Charges

Charge TypeAmount
Joining Fee₹1,499 + GST
Annual Fee₹1,499 + GST
Fee Waiver Threshold₹2 lakh annual spend
Foreign Transaction Fee3.5% of transaction amount
Over-limit Fee2.5% (minimum ₹600)

Pro and Cons:

Pros:

  • High rewards on BPCL fuel spends
  • Accelerated rewards on dining and groceries
  • Complimentary lounge access and milestone benefits

Cons:

  • Rewards capped per billing cycle
  • Annual fee applicable if annual spend is below ₹2 lakh
  • Limited benefits on non-fuel categories​

How to Apply

Apply Now
  • Click on “Apply Now”
  • Fill in Personal Details
  • Upload Required Documents
  • Submit Application
  • Approval & Card Dispatch

Additional Information

  • Ideal for frequent BPCL fuel purchasers
  • Accelerated rewards on daily essentials
  • Access to travel and lifestyle benefits
  1. What is the annual fee for the BPCL SBI Card Octane?
    • The annual fee is ₹1,499 + GST, which is waived if annual spends exceed ₹2 lakh.​
  2. How many reward points do I earn on BPCL fuel purchases?
    • You earn 25 reward points per ₹100 spent on BPCL fuel, equivalent to a 7.25% value back, including a 1% fuel surcharge waiver.​
  3. Are there rewards for dining and grocery spends?
    • Yes, you earn 10 reward points per ₹100 spent on dining, movies, groceries, and departmental stores.
  4. Does the card offer lounge access?
    • Yes, 4 complimentary domestic airport lounge visits per year, limited to 1 per quarter.​
  5. What are the milestone benefits?
    •  On annual spends of ₹3 lakh, you receive a ₹2,000 gift voucher from select brands.
  6. Is there a fuel surcharge waiver?
    • Yes, a 1% fuel surcharge waiver on transactions up to ₹4,000, with a maximum waiver of ₹100 per month.
  7. How can I redeem reward points?
    • Reward points can be redeemed for fuel at BPCL outlets, against statement balance, or for products and vouchers through the SBI Card rewards catalogue.​

Related finds:

  1. ICICI HPCL Super Saver Credit Card – 5% Cashback on Fuel, Utility & Grocery Spends [2025]
  2. Axis Indian Oil Credit Card: Save Big with 4% Fuel Cashback in 2025
  3. SBI Simply CLICK Credit Card: Best for Online Shopping in 2025
  4. Axis Bank Ace Credit Card – 5% Cashback on Utilities via Google Pay [Exclusive Offer]

About

At FinWitty, we dive deep into the features, benefits, and rewards of various credit cards to bring you honest reviews, comparisons, and recommendations. Whether you’re looking for the best cashback card, travel perks, or fuel savings, we ensure you have all the insights needed to pick the perfect card for your needs.

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