BPCL SBI Card Octane Review 2026 — Fees, Rewards & Eligibility
By Credit Card Hunt Editorial Team
Issuer: SBI Card
Network: Visa | Tier: Mid-Range
7.25% value-back on BPCL fuel, 4 domestic lounge visits/year
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Why Choose the BPCL SBI Card Octane?
The BPCL SBI Card Octane is a Mid-Range-tier Visa credit card issued by SBI Card, rated 4.8/5 by the Credit Card Hunt editorial team. It is best suited for Daily vehicle commuters and fuel buyers. With a reward rate of 25 Reward Points per ₹100 spent (6.25% return) at BPCL petrol pumps. 10 points per ₹100 on dining, groceries, and movies. and an annual fee of ₹1,499, it ranks among the popular Fuel cards in India in 2026.
New cardholders are welcomed with 6,000 Reward Points (worth ₹1,500) upon fee realization, which adds immediate value in the first year and helps recover the ₹1,499 joining fee.
BPCL SBI Card Octane Fees & Charges
| Annual Fee | ₹1,499 |
|---|---|
| Joining Fee | ₹1,499 |
| Interest Rate | 3.5% per month |
| Foreign Markup | 3.5% |
| Fuel Surcharge Waiver | 7.25% value-back on fuel (6.25% rewards + 1% fuel surcharge waiver) at BPCL outlets |
BPCL SBI Card Octane Rewards & Benefits
| Reward Rate | 25 Reward Points per ₹100 spent (6.25% return) at BPCL petrol pumps. 10 points per ₹100 on dining, groceries, and movies. |
|---|---|
| Welcome Bonus | 6,000 Reward Points (worth ₹1,500) upon fee realization |
| Lounge Access | 4 complimentary domestic airport lounge visits per year (max 1 per quarter) |
| Best For | Daily vehicle commuters and fuel buyers |
Key Highlights of the BPCL SBI Card Octane
- 7.25% value-back on BPCL fuel, 4 domestic lounge visits/year
- 25 Reward Points per ₹100 spent (6.25% return) at BPCL petrol pumps. 10 points per ₹100 on dining, groceries, and movies.
- 4 complimentary domestic airport lounge visits per year (max 1 per quarter)
- ₹2,000 e-gift voucher (Yatra/Hush Puppies/Aditya Birla) on annual spends of ₹3 Lakhs
BPCL SBI Card Octane Eligibility Criteria
- Age: 21-65 years years
- CIBIL score: 750+
- Minimum income: ₹4,00,000/year
Minimum Income Required: ₹4,00,000/year
Advantages of the BPCL SBI Card Octane
- Highest return on fuel in India (7.25% value back), low spending waiver limit, excellent welcome points value
Drawbacks of the BPCL SBI Card Octane
- Fuel surcharge waiver capped at ₹100 per statement cycle, rewards capped on grocery and movie spend
BPCL SBI Card Octane — Frequently Asked Questions
What is the annual fee of the BPCL SBI Card Octane?
The BPCL SBI Card Octane has an annual fee of ₹1,499 and a joining fee of ₹1,499. New cardholders receive 6,000 Reward Points (worth ₹1,500) upon fee realization as a welcome benefit, which helps offset the joining cost.
Does the BPCL SBI Card Octane offer airport lounge access?
Yes — the BPCL SBI Card Octane offers 4 complimentary domestic airport lounge visits per year (max 1 per quarter).
Who is eligible for the BPCL SBI Card Octane?
The minimum income requirement is ₹4,00,000/year. Banks typically also look for a CIBIL score of 700 or above and a clean repayment history.
What is the reward rate of the BPCL SBI Card Octane?
The BPCL SBI Card Octane earns 25 Reward Points per ₹100 spent (6.25% return) at BPCL petrol pumps. 10 points per ₹100 on dining, groceries, and movies.. It is best suited for Daily vehicle commuters and fuel buyers.
Credit Cards Similar to the BPCL SBI Card Octane
If you are considering the BPCL SBI Card Octane, these fuel credit cards are worth comparing before you apply:
- Infinia Metal Edition Credit Card by HDFC Bank — rated 4.9/5, ₹12,500 annual fee
- Reserve Credit Card by Axis Bank — rated 4.9/5, ₹50,000 annual fee
- Emeralde Private Metal Credit Card by ICICI Bank — rated 4.8/5, ₹12,499 annual fee
- Diners Club Black Credit Card by HDFC Bank — rated 4.8/5, ₹10,000 annual fee
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Expert Rating: 4.8/5