BPCL SBI Card OCTANE
Best for: drivers who fuel up at BPCL and want 7.25% value back plus 10X points on dining and groceries.
Why it ranks
- One of the higher published fuel value-back rates
- Also earns 10 points per ₹100 on dining, grocery and movies
- Fee reversed at a reachable ₹2 lakh spend
What holds it back
- BPCL fuel rewards are capped at 2,500 points a cycle, and Bharatgas at 500
- Fuel benefits apply only at BPCL outlets
Advertiser disclosure: we may be paid if you apply through our links. Ratings are editorial. Confirm today's terms on the issuer's site — offers change.
The BPCL SBI Card OCTANE gives 7.25% value back on BPCL fuel through 25 Reward Points per ₹100 and a surcharge waiver, plus 10 points per ₹100 on dining, groceries, departmental stores and movies. The ₹1,499 fee is reversed on ₹2 lakh annual spend.
BPCL SBI Card OCTANE at a glance
| Issuer | SBI Card |
| Card network | Visa |
| Annual fee | ₹1,499 + taxes (renewal fee reversed on ₹2 lakh annual spend) |
| Welcome bonus | 6,000 bonus Reward Points (worth ₹1,500) on payment of the annual fee |
| Rewards rate | 25 Reward Points per ₹100 on BPCL fuel, lubricants and Bharatgas (website and app), up to 2,500 points a billing cycle on BPCL fuel and a separate 500 points a cycle on Bharatgas; 10 Reward Points per ₹100 on dining, departmental stores, grocery and movies (up to 7,500 points a month) |
| Intro APR | None |
| Regular APR | Up to 3.75% a month (45% a year) |
| Foreign transaction fee | 3.5% foreign currency transaction fee |
| Airport lounge access | Domestic lounges on SBI Card's Set A list from 10 January 2026 (about 16 named lounges in 8 cities), entry by card authorisation; SBI does not state a visit quota |
| Credit needed | See issuer |
| Best for | Drivers who fill up at BPCL pumps and spend on dining and groceries |
Key features
- 7.25% value back at BPCL pumps (6.25% as points plus the 1% surcharge waiver)
- Fuel surcharge waiver on BPCL transactions up to ₹4,000, up to ₹100 a cycle
- ₹2,000 e-gift voucher on ₹3 lakh annual spend
- Domestic lounge access under SBI Card's Set A programme from 10 January 2026: named lounges in 8 cities, entry by card authorisation
Before you apply: confirm the current fee, reward rates and eligibility on the issuer's official site. BestCreditCards is an independent ranking site, not the card issuer, and this is not financial advice.
Sources: sbicard.com · sbicard.com · sbicard.com
How it ranks against similar India cards
| Rank | Card | Annual fee | Rewards | Welcome offer | Foreign fee | Who qualifies | Score |
|---|---|---|---|---|---|---|---|
| 1 | SSBI CardBPCL SBI OCTANE₹1,499/yr · IN BPCL SBI Card OCTANEDrivers who fill up at BPCL pumps and spend on dining and groceries |
₹1,499/yr | 25 Reward Points per ₹100 on BPCL fuel, lubricants and Bharatgas (website and ap… | 6,000 bonus Reward Points (worth ₹1,500) on payment of the a… | 3.5% foreign currency tran… | See issuer | |
| 2 | HHDFC BankIndianOil₹500/yr · IN IndianOil HDFC Bank Credit CardDrivers who fill up at IndianOil and want a low fee and easy eligibility |
₹500/yr | 5% as Fuel Points at IndianOil outlets; 5% on groceries and bill payments (up to… | ₹250 voucher on activating the card and making one transacti… | 3.5% of the transaction va… | Salaried: net monthly income abo… |
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