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Enjoy 7.25% value back on fuel refills at BPCL pumps with the BPCL SBI Card OCTANE, and get complimentary airport lounge access.
Last updated on: Jun 04, 2026
The BPCL SBI Card OCTANE is a premium co‑branded fuel credit card, backed by SBI Card and Bharat Petroleum. It focuses on delivering value through accelerated fuel rewards, surcharge savings, and milestone benefits. In addition to fuel-related advantages, the card also offers rewards on dining, shopping, movies, and groceries, along with travel perks such as complimentary airport lounge access. With a clear spend-based benefits structure and an achievable annual fee waiver threshold, this card is positioned for users seeking predictable savings rather than one-time offers.
The SBI BPCL Octane credit card benefits are for users who frequently spend on fuel and everyday categories, combining reward-focused savings with practical lifestyle advantages. Its key highlights include:
Joining Fee: ₹1,499, payable at the time of card issuance
Annual Fee Waiver: ₹1,499 annual fee waived on spends of ₹2 Lakhs or more in the preceding year
Suitable For: Designed for users who redeem reward points directly against fuel spends at BPCL pumps
Milestone Benefit: Earn e‑gift vouchers worth ₹2,000 on achieving annual spends of ₹3 Lakhs
Attractive Welcome Bonus: Get 6,000 reward points worth ₹1,500 on payment of the joining fee
Up to 2,500 Reward Points per Month: Earn 25X reward points on fuel purchases at BPCL pumps, translating to up to 7.25% value back (including a 1% fuel surcharge waiver).
Fuel Surcharge Savings: Get a 1% surcharge waiver on fuel transactions of up to ₹4,000, with annual savings capped at ₹1,200.
Instant Redemption at Pumps: Redeem accumulated reward points directly during billing at select BPCL petrol stations to offset fuel costs.
Accelerated Category Rewards: Earn 10 reward points per ₹100 spent on groceries, dining, shopping, and movies, with a monthly cap of 7,500 points.
Standard Spend Benefits: Get 1 reward point per ₹100 on other retail spends, excluding wallet loads and non‑BPCL fuel payments.
Milestone Privileges: Receive e‑gift vouchers worth ₹2,000 on achieving annual spends of ₹3 Lakhs, making the BPCL SBI Card OCTANE card rewarding beyond fuel usage.
Complimentary Domestic Lounge Visits: Avail up to 4 free visits to domestic VISA airport lounges in India each year, subject to a quarterly cap.
Free Family Add-on Cards: Get add-on cards at no extra cost for eligible family members, helping consolidate spends and rewards.
SBI Card’s rewards program is diverse and gives you the freedom to redeem points across categories. To know the points you have earned using your BPCL SBI Card OCTANE, you can:
Use SMS banking
Log in to net banking
Check your statement
Login to SBI Card’s chatbot ILA
Here is how the rewards program works for the BPCL SBI Card OCTANE:
You earn 25X reward points and 1% surcharge waiver on fuel refills at BPCL pumps (Earn up to 2,500 accelerated points in a month)
Here is an example of the rewards and savings you get on fuel purchases from BPCL fuel stations:
| Purchase (Monthly) | Amount | Reward Points | Savings |
|---|---|---|---|
Fuel Bill + 1% Surcharge Waiver |
₹10,000 |
2,500 |
₹100 |
Disclaimer: The above example is for illustration purposes only.
You earn 10 reward points, up to 7,500 per month, on every ₹100 spent on dining, groceries, shopping, and movies
Here is an example:
| Purchase (Monthly) | Amount | Reward Points |
|---|---|---|
Dining Out |
₹30,000 |
3,000 |
Groceries |
₹30,000 |
3,000 |
Movies |
₹15,000 |
1,500 |
Disclaimer: The above example is for illustration purposes only.
Lastly, you get 1 reward point per ₹100 spent on other retail purchases, excluding mobile wallet uploads and non-BPCL fuel payments
Here is an example:
| Purchase (Monthly) | Amount | Reward Points |
|---|---|---|
Gym Membership |
₹3,000 |
30 |
Rent Payment |
₹50,000 |
500 |
Disclaimer: The above example is for illustration purposes only.
You can then redeem your reward points by logging in to your credit card account via net banking or through the YONO mobile app. Redeem your points against merchandise, including accessories, gadgets, and more.
You can even book flight tickets or choose from memberships or shopping vouchers. A rewards redemption fee of ₹99 is applicable on physical products, vouchers sent to you physically, and statement credit.
All the reward points you earn will expire in 24 months after you earn them.
Referring to the above examples, here is a look at what your annual expenses and savings could look like:
| Category | Details | Conversion | Cash Value (₹) |
|---|---|---|---|
Fuel Bill + 1% Surcharge Waiver |
Accelerated Category Spends (25X) + 1% Surcharge Waiver |
Reward Points = 30,000 25X(1,20,000/100) + 10,000 x 1% x 12 = |
7,500 +
1,200 |
Dining Out |
Accelerated Category Spends (10X) |
Reward Points = 36,000 10X(3,60,000/100) |
9,000 |
Groceries |
Accelerated Category Spends (10X) |
Reward Points = 36,000 10X(3,60,000/100) |
9,000 |
Movies |
Accelerated Category Spends (10X) |
Reward Points = 18,000 10X(1,80,000/100) |
4,500 |
Offline Gym Membership |
Normal Category Spends Assuming spends 36,000 p.a./ 3,000 p.m. |
Reward Points = 360 (36,000/100) |
90 |
Rent Payment |
Normal Category Spends Assuming spends 6,00,000 p.a./ 50,000 p.m. |
Reward Points = 6,000 (6,00,000/100) |
1,500 |
Total Annual Savings |
|
1,26,360 |
32,790 |
Disclaimer: The above example is for illustration purposes only. The actual rewards and savings may vary based on the policies of the issuer and on the timely payment of credit card dues. Please check with the card issuer before applying.
Now, you have two options:
1. Redeem 1,26,360 points via the 'Shop n Smile' rewards portal, and choose items from various retailers such as Wildcraft, Bosch, Fossil, Puma, and more.
2. Convert your reward points into cash by contacting SBI Card. Since 4 reward points = ₹1, the cash value of 1,26,360 rewards = ₹32,790.
Here are the charges and penalties you can expect to come across while using the BPCL SBI Card OCTANE:
| Fee Type | Details |
|---|---|
Joining Fee |
₹1,499 |
Annual Fee |
₹1,499 (Waived off on spending ₹2 Lakhs or more in the preceding year) |
Reward Redemption Fee |
₹99 |
Cash Advance Fee |
2.50% of the withdrawn amount or ₹500, whichever is higher |
Interest Charges |
Can go up to 3.5% per month (42% p.a.) |
Minimum Amount Due |
5% as per this calculation: Total GST + EMI amount + 100% of Fees/Charges + 5% of [Finance charge (if any) + Retail Spends and Cash Advance (if any)] + Overlimit Amount (if any) |
Late Payment Fee |
Up to ₹1,300 based on the overdue balance |
Foreign Transaction Fee |
3.50% of the transaction amount |
Note: A GST of 18% is applicable on the above-mentioned charges.
Disclaimer: These fees and charges are also subject to change at the discretion of the issuer. Before applying, check the issuer’s Most Important Terms and Conditions (MITC) document to verify.
Before applying for the BPCL SBI Card OCTANE, make sure you meet the following requirements.
Age: You must be between 21 and 70 years
Employment Type: Open to salaried and self‑employed individuals
Income Criteria:
Salaried applicants: Minimum income of ₹30,000 per month
Self‑employed applicants: Minimum income of ₹30,000 per month
Credit Profile: Applicants should be creditworthy with a good credit score
Keep the following documents ready to complete your application smoothly:
Identity Proof:
Aadhaar card
PAN card
Passport
Recent colour photograph
Address Proof:
Ration card
Utility bill (electricity, phone, or water)
Income Proof:
Self‑employed: Income Tax Returns (ITR) and bank statements reflecting income
Salaried: Form 16 and latest salary slips (last 2–3 months)
You can apply for the BPCL SBI Card OCTANE online through Bajaj Markets in a few minutes. To get a clear understanding of how to apply, read the steps outlined below:
Click here to go to the application page
Enter the required details, including your occupation, phone number, and birth date
Add the One-Time Password (OTP) received on your phone
Check the auto-filled details like your PAN number, residential PIN code, email ID, and income information
Apply for the card that fulfils your needs from the available options
Click ‘Submit’ and complete your application
If you have any questions, contact SBI Card’s customer care executives via phone or email:
Call: 1860 500 1290, 1860 180 1290, 1800 180 1290 (toll-free), or 39 02 02 02 (Prefix local STD code)
Email: customercare@sbicard.com
Before committing to the BPCL SBI Card OCTANE, compare it with other cards from the same issuer:
| Card Name | Cashback | Complimentary Airport Lounge Access | Fuel Surcharge Waiver | 10X Reward Points |
|---|---|---|---|---|
BPCL SBI Card OCTANE |
✅ |
✅ |
✅ |
✅ |
SimplySAVE SBI Card |
✅ |
✅ |
✅ |
✅ |
IRCTC RuPay SBI Card |
✅ |
❌ |
✅ |
❌ |
SBI Card ELITE |
❌ |
✅ |
✅ |
❌ |
SimplyCLICK SBI Card |
❌ |
❌ |
✅ |
✅ |
SBI Card PRIME |
❌ |
✅ |
❌ |
✅ |
BPCL SBI Card |
✅ |
❌ |
✅ |
❌ |
SBI PULSE Card |
❌ |
✅ |
✅ |
✅ |
Lifestyle Home Centre SBI Card |
✅ |
❌ |
✅ |
✅ |
Note:The benefits mentioned are subject to change as per the policies of SBI Card. Check them before you apply for a specific card.
Reviewer
No, the 25X reward points are awarded only if you get fuel at BPCL pumps in India.
Yes, you can earn up to 500 reward points on Bharat Gas bill payments via the website or mobile app.
You can visit the domestic airport lounge up to 4 times a year. However, this complimentary visit is restricted to once a quarter.
You can apply for up to 3 add-on cards against your primary card, free of cost.
Yes, you will need to pay a replacement fee of ₹100 plus taxes to replace your card or get it reissued.
The BPCL SBI Card Octane lets you earn accelerated reward points on fuel purchases made at BPCL pumps. These points accumulate monthly based on your spends across fuel and lifestyle categories. You can redeem accumulated points online or instantly at select BPCL outlets. Unused reward points expire 24 months from the date they are earned.
The interest payable on unpaid balances on the BPCL SBI Card Octane is 3.5% per month or 42% per year.
One of the milestone BPCL SBI Card Octane benefits is an e-gift voucher worth ₹2,000 from brands like Aditya Birla Fashion, Yatra, or Bata. You can get it when you spend ₹3 Lakhs or more in a year.
The BPCL SBI Card OCTANE has an annual fee of ₹1,499. This fee can be waived if the cardholder spends ₹2 Lakhs or more in the preceding year, making it cost‑effective for users with regular fuel and lifestyle expenses.
The card offers a 1% fuel surcharge waiver at BPCL petrol pumps, helping reduce refuelling costs. This waiver is capped at ₹100 per statement cycle and applies to eligible fuel transactions made using the card at authorised BPCL outlets across India.
No, the 25X reward rate applies exclusively at BPCL pumps. Fuel purchases made at non‑BPCL petrol stations earn rewards at the standard rate of 1 reward point per ₹100 spent, without accelerated benefits or enhanced savings.
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