SBI BPCL OCTANE Credit Card: Fees, Rewards & Benefits
Dining card with lounge access
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The SBI BPCL OCTANE is a fuel-and-dining card whose 25X BPCL fuel rate (about 6.25% back, capped at 2,500 points/month) plus 10X dining make it excellent for BPCL loyalists. With a 0.25% base rate and 3.5% forex markup, its value is concentrated in BPCL fuel and dining categories.
Dining card with lounge access
The Bottom Line
The SBI BPCL OCTANE is built for bpcl fuel regular and dining spender. With a ₹1,499 annual fee that is waived on ₹2,00,000 yearly spend, it offers 6.25% rewards on bpcl (fuel) and 6,000 bonus points. It makes the most sense if your spending matches bpcl fuel regular and dining spender.
It earns a base reward rate of 0.25% and stacks best when your spending lines up with BPCL fuel regular, Dining spender. The renewal fee gets easier to justify once you can hit ₹2,00,000 in yearly spend.
Who Should Get This Card
Use this as a quick filter before comparing rewards or fees in detail.
Best fit for
IdealA commuter who refuels primarily at BPCL pumps and can capture the 25X rate (about 6.25%) up to the 2,500-point monthly cap, roughly Rs. 10,000 of monthly fuel.
Someone who also dines out often and uses the 10X dining rate with its large 7,500-point monthly cap.
Probably not for
SkipDrivers who fuel elsewhere or spend little on fuel miss the headline benefit and are left with a 0.25% base earn.
The 3.5% forex markup and lack of international lounge access make it unsuitable for foreign travel.
Is It Worth It For You?
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Reward Rates
SBI BPCL OCTANE offers 0.25% basic reward rate.
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Welcome Offer
6,000 bonus Reward Points (worth Rs 1,500 at 1 RP = Rs 0.25) on payment of the joining/annual fee.
Milestone Benefits
E-gift voucher worth Rs 2,000 (from Aditya Birla Fashion / Yatra / Hush Puppies / Bata) on annual spends of Rs 3,00,000.
Annual/renewal fee of Rs 1,499 reversed on annual spends of Rs 2,00,000.
Fees & Charges
Eligibility
- Min Credit Score: 750
- Age 21-65; salaried or self-employed with stable income; fuel card with up to 7.25% valueback at BPCL outlets.
Exclusions & Terms
Forex markup
- Foreign currency markup
Frequently Asked Questions
3 data-backed answers from our card database
Ready to apply?
₹1,499 annual fee. Apply on the State Bank of India website.
Apply on State Bank of India →We may earn a commission if you apply through this link. It never affects our ratings.
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