BPCL SBI Card Octane
Updated on August 25, 2026
🎖️Reward Rate
Reward Rate — BPCL fuel - Accelerated rewards on BPCL fuel/lubricants: 7.25% value back (~25X Reward Points) on BPCL fuel purchases
Rewards
Reward Type
Reward Points
Reward Rate
- • Reward Rate — BPCL fuel - Accelerated rewards on BPCL fuel/lubricants: 7.25% value back (~25X Reward Points) on BPCL fuel purchases
- • 25 RP per ₹100 on BPCL Fuel, Lubricants & Bharat Gas (website & app only)
- • capped at 2,500 RP per billing cycle
- • Reward Rate — Dining/Grocery/Movies - 10 RP per ₹100: 10 RP per ₹100 on Dining, Departmental Stores, Grocery & Movies — capped at up to 7,500 RP per month
- • Reward Rate — Bharat Gas - Bharat Gas category: 25 RP per ₹100 on Bharat Gas (website & app only), capped at 500 RP per billing cycle
- • Reward Rate — Other retail - Base reward rate: 1 RP per ₹100 on other retail purchases (except mobile wallet upload & non-BPCL fuel spends)
Welcome Benefit
Welcome Benefit - Bonus points: Get 6,000 bonus reward points worth Rs. 1,500 on payment of Annual Fee
Milestone Benefit
Milestone Benefit - ₹2 Lakh annual spend: Renewal fee spend-based reversal on annual spend ≥ Rs. 2,00,000 (reversed within 30 days of Annual Fee charge date); Milestone Benefit - ₹3 Lakh annual spend voucher: e-Gift Vouchers worth Rs. 2,000 from Aditya Birla Fashion or Yatra or Bata/Hush Puppies on annual spend of Rs. 3 Lakhs
Redemption
Redemption rate - Reward point value: 4 Reward Points = Re. 1
Benefits
- Lounge Benefit - Complimentary domestic lounge access: 4 complimentary domestic lounge visits per calendar year (max 1 per quarter) — official page shows 'VISA lounge visits' only
- Other Benefits - Fraud liability cover: Complimentary Fraud Liability cover of ₹1 Lakh
- Features - Flexipay EMI / Balance Transfer on EMI: Flexipay EMI on eligible purchases ≥ Rs. 2,500
- Balance Transfer on EMI from other banks' cards at lower interest
Things to Know Before you apply
BPCL SBI Card Octane Eligibility Criteria
- Age: 21–65 years
Fees & Charges
| Particulars | Amount |
|---|---|
| Joining Fee | ₹1,499 |
| Annual Fee | ₹1,499 |
| Foreign Currency Mark-up Fee | 3.5% |
| Cash Advance Fee | Fees - Cash Advance Fee: Not shown in reviewed screenshots |
Fee waiver: Fuel Surcharge Waiver - Waiver terms: 1% fuel surcharge waiver across all BPCL pumps (only on POS card swipe), on transactions up to Rs. 4,000
PaisaSimple Review
Overall Rating
4.9/5Compare with Similar Cards
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₹1,499
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- • Welcome Benefit - Bonus points: Get 6,000 bonus reward points worth Rs. 1,500 on payment of Annual Fee
- • Welcome Benefit Timing: Credited within 15 days of Joining Fee realisation
- • Welcome vouchers worth ₹5,000+ (Tata CLiQ, EaseMyTrip, Croma) on payment of joining fee
- • Qualification Criteria: Card activation and fee payment within 45 days
- • Fulfillment Timeline: 45 days post fee realization
- • Reward Rate — BPCL fuel - Accelerated rewards on BPCL fuel/lubricants: 7.25% value back (~25X Reward Points) on BPCL fuel purchases
- • 25 RP per ₹100 on BPCL Fuel, Lubricants & Bharat Gas (website & app only)
- • capped at 2,500 RP per billing cycle
- • Reward Rate — Dining/Grocery/Movies - 10 RP per ₹100: 10 RP per ₹100 on Dining, Departmental Stores, Grocery & Movies — capped at up to 7,500 RP per month
- • Reward Rate — Bharat Gas - Bharat Gas category: 25 RP per ₹100 on Bharat Gas (website & app only), capped at 500 RP per billing cycle
- • Reward Rate — Other retail - Base reward rate: 1 RP per ₹100 on other retail purchases (except mobile wallet upload & non-BPCL fuel spends)
- • Base/Primary Reward Rate: Official: 5% Value Back (NeuCoins) on Tata Neu App/Website & partner Tata brands is the PRIMARY reward
- • 1.5% applies to 'other spends incl. UPI' (RuPay variant only)
- • Accelerated/Tata Brand Reward Rate: PaisaSimple: 'Up to 10% NeuCoins (5% on card + 5% on NeuPass)'
- • UPI Reward Rate Condition: Official: 1.5% Value Back on other spends incl. UPI applies 'on the RuPay Variant' only
- • Reward Rate on Tata Neu App/Partner Brands: 5% Value Back (flat)
- • Reward Rate on Other/UPI Spends: 1.5% Value Back on other spends incl. UPI — RuPay Variant only
- • Base Rewards: 4 Handpicked Points per ₹100 (4 Handpicked Points per ₹100 on international spends)
- • 2 Handpicked Points per ₹100 (2 Handpicked Points per ₹100 on domestic retail spends)
- • Accelerated Rewards: 50% extra points on American Express card variant
- • Excluded Categories: Fuel, Wallet loads
- • Base Rewards: 1.5% NeuCoins per ₹100 (1.5% NeuCoins on all non-Tata retail transactions & eligible merchant UPI payments)
- • Forex markup rate of 2%
- • Airport lounge and lifestyle dining privileges
- • Value-packed milestone rewards on annual spend
- • Base Rewards: 4 Handpicked Points per ₹100 (4 Handpicked Points per ₹100 on international spends)
- • 2 Handpicked Points per ₹100 (2 Handpicked Points per ₹100 on domestic retail spends)
- • Forex markup rate of 3.5%
- • Airport lounge and lifestyle dining privileges
- • Value-packed milestone rewards on annual spend
- • Annual renewal fee of ₹1499
- • Reward exclusion on fuel purchases and wallet load transactions
- • Annual renewal fee of ₹2000
- • Reward exclusion on fuel purchases and wallet load transactions