BPCL SBI Card OCTANE benefits
- 25 reward points per ₹100 on BPCL fuel, up to 2,500 points per statement cycle
- 25 reward points per ₹100 on Bharat Gas website and app bookings, up to 500 points per billing cycle
- 10 reward points per ₹100 on groceries, department stores, dining and movies, up to 7,500 points a month
- 1 reward point on other retail spends; 4 points equal ₹1 of free fuel
- Joining and renewal fee of ₹1,499 before GST, with renewal waived at ₹2 lakh yearly spend
- 1% fuel surcharge waiver at BPCL pumps, up to ₹100 a month
BPCL SBI Card OCTANE rewards and cashback
| Where you spend | Rate | Monthly limit |
|---|---|---|
| BPCL pumpsBPCL fuel only. The 2,500 point limit applies per statement cycle, which covers ₹10,000 of spend. | 25 points per ₹100 | 2,500 |
| Bharat GasBharat Gas LPG cylinder bookings on its website and app only. The 500 point limit applies per billing cycle. Other bills earn the base rate. | 25 points per ₹100 | 500 |
| GroceriesGrocery and department stores. The 7,500 point monthly limit is shared with dining and movies. Metro Cash & Carry and Walmart do not earn this rate. | 10 points per ₹100 | 7,500 |
| Dining and food deliveryDining and movies. The 7,500 point monthly limit is shared with groceries and department stores. | 10 points per ₹100 | 7,500 |
| Everything else | 1 points per ₹100 | None |
We value one point at ₹0.25 in the usual redemption.
No rewards on: Fuel at non-BPCL pumps and other petrol pump purchases, fuel paid by UPI on RuPay at BPCL pumps, wallet loads, rent, balance transfers, cash advances, Flexipay and merchant EMI.
All reward rules
- 4 reward points give ₹1 of free fuel, so 1 point is worth ₹0.25.
- SBI Card's 7.25% value back on BPCL fuel is 25 points per ₹100 (6.25%) plus the 1% fuel surcharge waiver.
- Lounge figure: SBI Card's 2022 blog states 4 domestic visits per calendar year, at most 1 per quarter. The card is on the January 2026 domestic lounge list, but that list gives no visit count or spend condition.
BPCL SBI Card OCTANE annual fee and charges
- Joining fee
- ₹1,499
- Annual fee
- ₹1,499
- Fee waiver
- ₹2,00,000 a year
- Foreign currency markup
- 3.5%
The renewal fee is waived if you spend ₹2 lakh or more in the previous year. Fees are before GST. From 1 December 2026, SBI Card charges a 1% fee on total fuel spends if fuel transactions in a billing cycle exceed ₹50,000.
Fuel surcharge: 1% waiver at BPCL pumps on transactions up to ₹4,000, up to ₹100 per month. No minimum transaction. It does not apply to fuel paid by UPI on the RuPay card.
BPCL SBI Card OCTANE eligibility
- Age
- 21 to 70
SBI Card's issuance policy sets 21 to 65 years for salaried people and 25 to 70 years for self-employed people. Exceptions need internal approval. The documents we checked give no minimum income for this card.
The bank alone decides approval and your credit limit.
BPCL SBI Card OCTANE lounge access
The bank's terms list no fixed number of free airport lounge visits on this card.
SBI Card's lounge list names this card, but its current terms give no visit count or spend condition. Please check with SBI Card.
Frequently asked questions
What is the annual fee of the BPCL SBI Card OCTANE?
The joining fee is ₹1,499 and the renewal fee is ₹1,499 a year, both before GST. The renewal fee is waived if you spend ₹2 lakh or more in the previous year.
Is the BPCL SBI Card OCTANE lifetime free?
No. It has a joining fee and a renewal fee of ₹1,499 each. You can avoid the renewal fee only by spending ₹2 lakh or more in the previous year.
What is the reward limit on BPCL fuel?
You earn 25 reward points per ₹100 on BPCL fuel, up to 2,500 points per statement cycle. That limit is reached at ₹10,000 of BPCL fuel spend. Since 4 points equal ₹1 of free fuel, 2,500 points are worth ₹625.
Does this card have a fuel surcharge waiver?
Yes, at BPCL pumps only. You get a 1% waiver on transactions up to ₹4,000, up to ₹100 a month. It does not apply to fuel paid by UPI on the RuPay card.
Is there a new fee on fuel spends from December 2026?
Yes. From 1 December 2026, if your fuel transactions in a billing cycle exceed ₹50,000, SBI Card charges a 1% fee on your total fuel spends in that cycle.
Does the BPCL SBI Card OCTANE give airport lounge access?
The card is on SBI Card's domestic airport lounge list from January 2026. An SBI Card blog from 2022 states 4 domestic visits per calendar year, at most 1 per quarter. The current list does not repeat the visit count, so please confirm it with SBI Card.
Who can apply for the BPCL SBI Card OCTANE?
SBI Card's policy sets an age of 21 to 65 years for salaried people and 25 to 70 years for self-employed people. The documents we checked do not give a minimum income for this card.