SBI credit card
BPCL SBI Octane Credit Card
India’s most powerful fuel cashback card – exclusively for BPCL users
Credofly overview
Is BPCL SBI Octane Credit Card right for you?
If you drive daily and refill at BPCL petrol stations, the BPCL SBI Card OCTANE offers unbeatable savings. With 6.25% cashback, 1% extra in rewards, and a few lifestyle perks, it is the top choice for India’s fuel spenders.
Get up to 7.25% total value back on BPCL fuel: 6.25% cashback as statement credit + 13 Reward Points/₹100 = ~1% more.
What it costs
Fees & charges
Earning & redeeming
Rewards, made clear
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6.25% cashback on BPCL fuel via statement credit
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13 Reward Points/₹100 on BPCL fuel = ~1% more
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0.75% additional cashback from BPCL for using a credit card
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1 RP/₹100 on all other eligible spends
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1 RP = ₹0.25 (redeemable for fuel or vouchers)
How you can redeem
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Use RP to pay for BPCL fuel (1 RP = ₹0.25)
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Redeem for gift vouchers, merchandise, or mobile recharge via SBI Card portal
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Minimum redemption: 1,000 RP
EMI Transactions, Utilities, Insurance, Wallet, Rent, Education, Fuel, Government Spends, and Tax Payments
<p>No rewards on fuel spends at non-BPCL outlets and common exclusions like rent, wallet loads, insurance, utilities, education, and taxes.</p>Beyond rewards
Benefits that matter
Welcome offer
2,000 Reward Points (₹500 value) on spending ₹2,000 within 30 days of card setup
Milestone benefits
2,000 RP on renewal every year (equivalent to ₹500)
Renewal benefits
Annual bonus: 2,000 Reward Points on card renewal (worth ₹500)
Card benefits
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Up to 7.25% value back on BPCL fuel
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4 complimentary domestic airport lounge visits per year
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1% fuel surcharge waiver (₹500–₹4,000 transactions)
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EMI conversion for transactions over ₹2,500
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BPCL bonus of 0.75% over and above card rewards
Lifestyle & travel
lounge domestic
Our independent take
Credofly review
BPCL SBI Card OCTANE is one of the most focused fuel rewards cards in India. While it doesn’t try to cover travel or dining deeply, it gives extraordinary value on its primary use case — fuel. With 7.25% total returns, the cashback is real and consistent. You also get free lounge access and welcome rewards, making it suitable for urban drivers and professionals.
For anyone who refuels frequently at BPCL, this is the king of fuel credit cards. With 6.25% direct cashback, 13 reward points per ₹100, and added BPCL incentives, you’re effectively saving 7.25% on every tank. Add 4 free lounge visits and solid welcome rewards, and this card easily pays for itself — even with the ₹1,499 annual fee. A no-brainer for BPCL loyalists.
Why we like it
This card is unmatched in terms of fuel value. BPCL SBI Card OCTANE is perfect for drivers, fleet owners, and daily commuters who spend heavily on fuel — offering real savings and lounge access as a bonus.
Strengths
- <p>Up to 7.25% savings on BPCL fuel (cashback + rewards)</p>
- <p>Welcome benefit + annual renewal bonus</p>
- <p>Complimentary airport lounge access (4/year)</p>
Watch-outs
- <p>High annual fee with no spend-based waiver</p>
- <p>No accelerated rewards outside fuel category</p>
- <p>Reward points redeem at only ₹0.25 value</p>
Before you apply
Eligibility & application
Eligibility
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Must be an Indian resident
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Age: 21+ years
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Stable income source and decent credit history (CIBIL 700+)
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Regular fuel user at BPCL pumps
How to apply
Apply online in just 2 minutes via Credofly:
Submit basic KYC documents, complete e-sign or video KYC, and receive the card within 7–10 business days.
Your questions answered
FAQs
What is the total savings on BPCL fuel with this card?
You get 6.25% cashback + ~1% worth of reward points = 7.25% value back.
What is the monthly cap for cashback?
Cashback is capped at ₹250 per statement cycle (on ₹10,000 BPCL spend).
Where can I redeem my Reward Points?
Use them on the SBI Card website for BPCL fuel, gift vouchers, or merchandise. Value is ₹0.25 per RP.
Can I use this card at other petrol pumps?
Yes, but you won’t get any cashback or points for non-BPCL fuel.
Is there a spend-based waiver on annual fee?
No, the ₹1,499 fee is charged every year — but you get 2,000 RP as renewal bonus.
Does it offer lounge access?
Yes. Enjoy 4 complimentary domestic airport lounge visits per year.
Is this better than SBI BPCL Regular Card?
Yes, for higher BPCL spenders. Octane gives more cashback, more points, and lounge access.
Who should get this card?
Anyone spending ₹8K–₹12K per month on BPCL fuel — including professionals, car owners, drivers, and business travelers.
From cardholders
User reviews
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