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Last updated: 8 November 2026
Free to apply via CardsGuruji · subject to issuer approval
What you earn on every spend, and the ways you can cash it in.
You earn
7.25% Value Back on BPCL Fuel
25X Reward Points on Fuel
The privileges that come bundled in, beyond the reward points.
4 Domestic Lounge Access
Discounts on BPCL
An honest read on where this card earns its keep — and where it doesn't.
High fuel savings
Lounge access
BPCL only
Everything the issuer can bill you for, in one place.
Applied only when the situation arises
Charged on any balance you carry forward
Fee waiver: most issuers waive the renewal fee once your yearly spends cross a set threshold. Confirm the exact criteria with SBI before you apply.
Issuer-stated requirements and CardsGuruji guidance are shown separately.
Note: A displayed score is editorial guidance only unless separately identified as an issuer-stated requirement.
See how BPCL SBI Card Octane stacks up against competing cards on reward rates, annual charges, and milestone perks.
Use our customizable comparison tool to benchmark fees, lounge access, and rewards.
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Everything you need to know about BPCL SBI Card Octane fees, reward conversion, lounge access, and application eligibility.
BPCL SBI Card Octane has an annual fee of ₹1,499 plus 18% GST. Most cardholders can get subsequent annual renewal fees waived by reaching the bank's annual milestone spend threshold. Additionally, the initial fee is often offset by welcome privileges like "6000 Bonus Points".
BPCL SBI Card Octane earns Value Back at a primary rate of 7.25% Value Back on BPCL Fuel. Specifically, 25X Reward Points on Fuel. Spends in Fuel, Travel categories provide the maximum valueback per transaction on this card.
Yes, BPCL SBI Card Octane features complimentary airport lounge privileges. Privileges include: "4 Domestic Lounge Access". Note that banks frequently require a minimum spend (typically ₹35,000 to ₹50,000) in the previous calendar quarter to unlock complimentary lounge access.
A CIBIL credit score of 700 or above is strongly recommended for approval of BPCL SBI Card Octane. Applicants should be Indian residents aged 21 to 65 years with a stable monthly income (salaried or self-employed with ITR) and no recent payment defaults or high credit utilization over 30%.
BPCL SBI Card Octane is issued on the Visa network with worldwide acceptance at over 30 million merchant establishments and online portals. International transactions, contactless tap-to-pay (up to ₹5,000 without PIN), and tokenized payments are supported once enabled in your banking app.
BPCL SBI Card Octane levies a forex markup fee of 3.5% + GST on transactions processed in foreign currencies. For cross-border shopping and overseas travel, remember that standard 18% GST applies on the markup charge.
BPCL SBI Card Octane currently features a welcome offer: "6000 Bonus Points". To claim this joining perk, cardholders typically need to activate the card and complete a qualifying initial transaction within 30 to 60 days of card issuance.
Key highlights include High fuel savings and Lounge access. However, keep in mind that BPCL only. Overall, BPCL SBI Card Octane delivers strong value if your regular spending aligns with Fuel, Travel.
Yes, BPCL SBI Card Octane includes a 1% fuel surcharge waiver for fuel spends typically between ₹400 and ₹4,000 at all government and private fuel stations in India. The monthly waiver is subject to a cap, and GST charged on the surcharge is non-refundable.
You can apply for BPCL SBI Card Octane directly through SBI's official website or digital portal. Essential documents include your PAN card, Aadhaar card for video KYC, proof of address, and recent income documentation (3 months' salary slips or latest ITR with computation). Decisions are typically communicated within 2 to 4 working days.
