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BPCL SBI Card OCTANE
A fuel-focused co-brand card offering up to 7.25% value back at BPCL pumps via 25x reward points, plus solid 10x rewards on dining/groceries — but value drops sharply outside BPCL and its capped categories.
Rates and fees last verified 19 July 2026.
Annual fee
₹1,499
Joining fee
₹1,499
Reward type
points
Base reward rate
1%
Card network
Visa
Card tier
Mid
Reward rates by category
- Fuel25% (capped ₹625/monthly)
- Dining10% (capped ₹1,875/monthly)
- Groceries10% (capped ₹1,875/monthly)
- Other10% (capped ₹1,875/monthly)
Eligibility
- Minimum credit score: 700
- Minimum monthly income: ₹25,000
- Employment: salaried, self-employed
- Age: 21–65
Benefits
- 6,000 bonus reward points (worth ~₹1,500) on payment of the annual fee
- e-Gift voucher worth ₹2,000 from Aditya Birla Fashion, Yatra, or Hush Puppies/Bata on ₹3,00,000 annual spend
- 4 complimentary domestic lounge visits/year (max 1/quarter)
- Complimentary fraud liability cover of ₹1 lakh
- 1% fuel surcharge waiver on transactions up to ₹4,000, capped at ₹100/cycle
- Up to 7.25% value back on BPCL fuel spends (25x reward points plus 1% surcharge waiver)
Pros
- + Up to 7.25% value back on BPCL fuel spends
- + 10x points on dining, groceries, and movies (capped)
- + 6,000 bonus points on annual fee payment
Cons
- − Fuel rewards capped at 2,500 points/cycle, limiting value for heavy fuel spenders
- − Forex markup and APR not disclosed on the product page
Applying takes you to SBI Card's site. We may earn a commission if you're approved — see our disclaimer. Final terms and approval are solely at the issuer's discretion.