SBI Card

RuPay

BPCL Octane

SBI Card BPCL Octane

Fuel-focused RuPay Select card with 25X points at BPCL pumps (including UPI) and 10X dining and grocery rewards.

fuelgroceriesdiningrupay-upi

Also available on Visa

SBI Card BPCL Octane is issued on more than one network — each has different rewards and lounge access.

SBI Card
VISA
BPCL Octane
Visa variant
SBI also issues BPCL Octane on the RuPay network, per a shared T&C document covering both. Fees, reward structure, eligibility, and lounge access are the same; the RuPay variant additionally supports UPI-app linking, extending the accelerated fuel rate to UPI-QR payments at BPCL pumps. The RuPay variant is most commonly obtained by converting an existing Visa card via SBI Card customer care rather than a standard fresh online application.

Last reviewed 25 July 2026

Fees

Joining fee

₹1,499

Annual fee

₹1,499

Waiver: Renewal fee waived on annual spend of ₹2,00,000 or more in the preceding year

Eligibility

Min. monthly income: ₹30,000

Min. CIBIL Score: 750+

Age: 21–65 yrs

Employment: salaried, self employed

Rewards

fuel25x points(cap 2,500 points/1mo)

dining10x points(cap 7,500 points/1mo)

groceries10x points(cap 7,500 points/1mo)

all other1x points

Welcome benefits

• 6,000 bonus reward points (approx. ₹1,500 value) credited on payment of the joining fee

Perks

✓Domestic lounge access: 4/yr1 complimentary visit per quarter; sources consistently describe this as unconditional (no minimum quarterly spend), unlike most current-generation SBI cards
✓Fuel surcharge waiver: 1%Capped at ₹100/month
✓Forex markup: 3.5%
✓Complimentary fraud liability cover of ₹1,00,000
✓25X (7.25% effective value back, including the 1% fuel surcharge waiver) applies only to fuel purchases at BPCL outlets, capped at 2,500 reward points/month; no accelerated rewards at non-BPCL fuel stations
✓Fuel surcharge waiver of 1% applies on transactions between ₹500–₹4,000 across all fuel stations (not just BPCL), capped at ₹100 waiver per month — carried over from the Visa sibling's terms, not independently re-confirmed for this RuPay SKU
✓RuPay-specific: the card can be linked to UPI apps (GPay, PhonePe, etc.), so the 25X BPCL fuel rate also applies to UPI-QR spends at BPCL pumps — not possible on the Visa variant, which has no UPI support
✓10X reward rate is a shared bucket covering dining, movie tickets, groceries, and departmental stores, not a category-exclusive rate
✓Milestone benefit: ₹2,000 e-gift voucher (Aditya Birla Fashion / Yatra / Urban Ladder / Hush Puppies / Bata, brand list per source) on annual spend of ₹3,00,000 or more
✓Reward points excluded on mobile wallet loads; redemption (other than direct redemption at BPCL pumps) carries a ₹99 + GST fee per request, and points expire after 24 months
✓Existing Visa BPCL Octane holders reportedly have to request a network conversion by calling SBI Card customer care (IVR) rather than a self-service online switch; community reports (TechnoFino, CardInsider) describe availability as inconsistent — some users report being able to apply RuPay fresh, others report Visa-to-RuPay conversion requests being declined
✓RuPay's international acceptance is narrower than Visa's; this card is best treated as a domestic-use card if issued on RuPay

Common questions

What is the annual fee on the SBI Card BPCL Octane?: The joining fee is ₹1,499. The annual fee is ₹1,499. Renewal fee waived on annual spend of ₹2,00,000 or more in the preceding year
What are the reward rates on the SBI Card BPCL Octane?: SBI Card BPCL Octane earns 25x points on fuel, 10x points on dining, 10x points on groceries, 1x points on all other spends.
Does the SBI Card BPCL Octane offer airport lounge access?: Yes: 4 domestic lounge visits per year (1 complimentary visit per quarter; sources consistently describe this as unconditional (no minimum quarterly spend), unlike most current-generation SBI cards).
Who is eligible for the SBI Card BPCL Octane?: Applicants typically need a minimum monthly income of ₹30,000, a CIBIL Score of 750+, a minimum age of 21, and must be salaried or self employed. Exact criteria are set by SBI Card and can vary by application.
Is the SBI Card BPCL Octane available on other networks?: Yes, it's also issued on Visa. SBI also issues BPCL Octane on the RuPay network, per a shared T&C document covering both. Fees, reward structure, eligibility, and lounge access are the same; the RuPay variant additionally supports UPI-app linking, extending the accelerated fuel rate to UPI-QR payments at BPCL pumps. The RuPay variant is most commonly obtained by converting an existing Visa card via SBI Card customer care rather than a standard fresh online application.

What you’d earn

Enter your monthly spend in this card’s reward categories for an estimated annual value.

FuelBest rate

₹

25x points· cap 2,500 points/1mo

Dining

₹

10x points· cap 7,500 points/1mo

Groceries

₹

10x points· cap 7,500 points/1mo

Everything else

₹

1x points

Estimated annual value—

Apply now

Annual fee

₹4,500

Up to

2x points

CompareView details →

Annual fee

₹10,000

Up to

2x points

CompareView details →

Annual fee

₹0

Up to

10x points

CompareView details →

Perks

✓Domestic lounge access: 4/yr1 complimentary visit per quarter; sources consistently describe this as unconditional (no minimum quarterly spend), unlike most current-generation SBI cards

✓Fuel surcharge waiver: 1%Capped at ₹100/month

✓Forex markup: 3.5%

✓Complimentary fraud liability cover of ₹1,00,000

✓25X (7.25% effective value back, including the 1% fuel surcharge waiver) applies only to fuel purchases at BPCL outlets, capped at 2,500 reward points/month; no accelerated rewards at non-BPCL fuel stations

✓Fuel surcharge waiver of 1% applies on transactions between ₹500–₹4,000 across all fuel stations (not just BPCL), capped at ₹100 waiver per month — carried over from the Visa sibling's terms, not independently re-confirmed for this RuPay SKU

✓RuPay-specific: the card can be linked to UPI apps (GPay, PhonePe, etc.), so the 25X BPCL fuel rate also applies to UPI-QR spends at BPCL pumps — not possible on the Visa variant, which has no UPI support

✓10X reward rate is a shared bucket covering dining, movie tickets, groceries, and departmental stores, not a category-exclusive rate

✓Milestone benefit: ₹2,000 e-gift voucher (Aditya Birla Fashion / Yatra / Urban Ladder / Hush Puppies / Bata, brand list per source) on annual spend of ₹3,00,000 or more

✓Reward points excluded on mobile wallet loads; redemption (other than direct redemption at BPCL pumps) carries a ₹99 + GST fee per request, and points expire after 24 months

✓Existing Visa BPCL Octane holders reportedly have to request a network conversion by calling SBI Card customer care (IVR) rather than a self-service online switch; community reports (TechnoFino, CardInsider) describe availability as inconsistent — some users report being able to apply RuPay fresh, others report Visa-to-RuPay conversion requests being declined

✓RuPay's international acceptance is narrower than Visa's; this card is best treated as a domestic-use card if issued on RuPay

Common questions

What is the annual fee on the SBI Card BPCL Octane?

The joining fee is ₹1,499. The annual fee is ₹1,499. Renewal fee waived on annual spend of ₹2,00,000 or more in the preceding year

What are the reward rates on the SBI Card BPCL Octane?

SBI Card BPCL Octane earns 25x points on fuel, 10x points on dining, 10x points on groceries, 1x points on all other spends.

Does the SBI Card BPCL Octane offer airport lounge access?

Yes: 4 domestic lounge visits per year (1 complimentary visit per quarter; sources consistently describe this as unconditional (no minimum quarterly spend), unlike most current-generation SBI cards).

Who is eligible for the SBI Card BPCL Octane?

Applicants typically need a minimum monthly income of ₹30,000, a CIBIL Score of 750+, a minimum age of 21, and must be salaried or self employed. Exact criteria are set by SBI Card and can vary by application.

Is the SBI Card BPCL Octane available on other networks?

Yes, it's also issued on Visa. SBI also issues BPCL Octane on the RuPay network, per a shared T&C document covering both. Fees, reward structure, eligibility, and lounge access are the same; the RuPay variant additionally supports UPI-app linking, extending the accelerated fuel rate to UPI-QR payments at BPCL pumps. The RuPay variant is most commonly obtained by converting an existing Visa card via SBI Card customer care rather than a standard fresh online application.

SBI Card BPCL Octane

Also available on Visa

Fees

Eligibility

Rewards

Perks

Common questions

What you’d earn

You might also like

SBI Card BPCL Octane

Also available on Visa

Fees

Eligibility

Rewards

Perks

Common questions

What you’d earn

You might also like