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The BPCL SBI Octane Credit Card is a premium co-branded card that rewards you handsomely on fuel purchases at Bharat Petroleum outlets. Airtel Finance helps you explore the SBI BPCL Credit Card and compare its features before you apply. Enjoy up to 7.25% value back on eligible BPCL fuel spends, welcome bonus reward points, and complimentary airport lounge access. Check eligibility, fees, and how to apply below. The card is issued by SBI Cards and Payment Services Limited, and approval is at the issuer’s sole discretion.
A credit card EMI calculator helps you plan large purchases by breaking down the total cost into manageable monthly payments. You enter the purchase amount, the interest rate, and your preferred repayment tenure. The tool instantly displays the monthly EMI, total interest payable, and the overall amount you’ll pay. It’s a practical way to compare different repayment timelines and choose one that fits your monthly budget without any guesswork. Use the Credit Card EMI Calculator before you buy to stay in control of your spending.
Welcome Bonus: Cardholders receive 6,000 bonus reward points, worth approximately ₹1,500, upon paying the annual membership fee.
Renewal Fee Reversal: The renewal fee of ₹1,499 is reversed if the cardholder spends ₹2 lakh or more in the preceding year.
Fuel Benefits: Earn 25 reward points for every ₹100 spent on fuel at BPCL petrol stations, equivalent to up to 7.25% value back (6.25% as reward points plus a 1% fuel surcharge waiver), capped at 2,500 reward points per statement cycle. Fuel transactions of up to ₹4,000 are eligible for the 1% fuel surcharge waiver, which is calculated excluding GST, with a maximum waiver of ₹100 per statement cycle.
Reward Points on Other Categories: Earn 10 reward points for every ₹100 spent on dining, movies, groceries, and departmental stores, capped at 7,500 reward points per month across these categories. Earn 1 reward point for every ₹100 spent on all other categories. Reward points do not accrue on mobile wallet loads or on fuel spends at non-BPCL outlets.
Travel Benefits: Enjoy 4 complimentary domestic airport lounge visits per year, with a maximum of 1 visit per quarter.
Gift Vouchers: Receive a ₹2,000 gift voucher from Aditya Birla Fashion, Yatra, or Bata and Hush Puppies on annual purchases of ₹3 lakh.
Payment Flexibility: Utilise the Flexipay feature to convert purchases of ₹2,500 and above into easy monthly instalments. Benefit from the balance transfer feature to transfer outstanding balances from other credit cards to the BPCL SBI Card Octane.
Technology and Security: The card features contactless technology, ensuring fast and secure transactions. Access to worldwide acceptance and 24‑hour global customer assistance services.
Additional Services: Ability to withdraw cash at ATMs in India and overseas, subject to your cash advance limit and applicable charges. Where a BPCL SBI Card Octane RuPay variant is issued, it can be linked to a UPI application for UPI payments. Option to apply for add‑on cards for family members.
The online application process for the BPCL Octane SBI Card is quick and entirely digital. Airtel Finance helps you compare the card, and the application is submitted to and processed by SBI Card. Just follow these simple steps.
Before you begin, review the age, income, and credit score requirements to ensure you qualify for the card.
Enter your personal details, employment information, and contact number in SBI Card's secure online application form.
Scan and upload your PAN card, [Redacted], and income proof (salary slips or ITR).
SBI Card will verify your documents and may conduct a video KYC or physical verification if needed.
Once approved, the card is dispatched to your registered address. You can track the status online.
The following content is as per the original card highlights.
Enjoy up to 7.25% value back on fuel purchases at Bharat Petroleum fuel stations, which includes 6.25% as reward points (25X reward rate) and a 1% fuel surcharge waiver. This benefit applies to fuel transactions of up to ₹4,000, with a maximum waiver of ₹100 per statement cycle.
Earn reward points on various categories of spending:
The fee is ₹1,499 + GST, and the renewal fee is reversed if you spend ₹2 lakh or more in the previous card membership year. Get 6,000 bonus SBI Octane credit card reward points upon payment of the annual membership fee.
Enjoy 4 complimentary domestic airport lounge visits per year with SBI Octane card lounge access, with a maximum of 1 visit per quarter.
Here is a detailed breakdown of the fees and charges applicable to the BPCL SBI Card Octane.
| Fee Type | Amount |
|---|---|
| Joining Fee | ₹1,499 + GST |
| Annual Fee | ₹1,499 + GST |
| Add-on Card Fee | Nil (no separate fee is charged for add‑on cards) |
| Finance Charges | Interest Rate: 3.50% per month (42% per annum) |
| Fuel Surcharge | 1% on transactions up to ₹4,000 (max waiver ₹100 per statement cycle) |
| Cash Withdrawal Charges | Not specified in the available schedule; please refer to SBI Card’s terms. |
| Foreign Currency Mark-up Fee | 3.5% of the transaction amount |
Review the eligibility criteria required to apply for the BPCL SBI Card Octane.
| Criteria | Details |
|---|---|
| Age Criteria | The applicant must meet SBI Card's prevailing age criteria for this card. |
| Citizenship | The applicant must be a resident of India. |
| Income Eligibility | The applicant must meet the income criteria set by SBI Card, which typically requires a stable and sufficient income. |
| Credit Score Requirement | A good credit score is essential; SBI Card looks for a credit history that demonstrates responsible credit behaviour. |
You will need the following documents to apply for the BPCL Octane SBI Card online.
| Document Type | Examples |
|---|---|
| Identity Proof | [Redacted], Voter ID, Driving Licence, Passport |
| Address Proof | [Redacted], Utility Bill, Rental Agreement |
| PAN Card | Copy of PAN Card (mandatory) |
| Income Proof | Latest Salary Slips, Form 16, or ITR |
The following steps are unchanged from the official SBI Card activation methods.
Visit the official SBI Card website and log in to your account. Navigate to the 'Card Activation' section and enter the required details. Generate an OTP that will be sent to your registered mobile number and enter it to complete the activation.
Call the SBI Card customer service helpline at their toll‑free number (available on the SBI Card website). Provide the necessary details to the customer service representative to verify your identity and activate your card.
Download and install the SBI Card app from the Google Play Store or Apple App Store. Log in using your credentials, go to the 'Card Services' or 'Card Activation' section, and follow the prompts to activate your card.
The redemption options below are the ones offered by the BPCL Octane SBI Card.
You can redeem your reward points for fuel purchases at BPCL fuel stations. Each reward point is worth ₹0.25, helping you offset your fuel expenses.
Reward points can be redeemed for a wide range of products and vouchers available through the SBI Card rewards catalogue, covering various categories.
You can also redeem points against your outstanding credit card statement balance, reducing your monthly bill. With effect from 1 April 2026, statement credit redemption is capped at 60,000 reward points per card per calendar month and can be made only in multiples of 4,000 points. Additionally, by achieving annual spend thresholds (for example, ₹3 lakh), you receive an e-gift voucher worth ₹2,000 from brands such as Aditya Birla Fashion, Yatra, or Bata and Hush Puppies.
