BPCL SBI Card OCTANE
SBI Card · Visa · Mid card
One of the highest effective fuel co-brand rates in the market, and it still bundles in modest lounge access.
High BPCL fuel and BharatGas spenders who also want a little lounge access on the side.
Terms checked 13 Sept 2026
- Annual fee
- ₹1,499 + GST
- Joining fee
- ₹1,499 + GST
- Base reward rate
- 0.3%
- Forex markup
- 3.5%
Reward rates by spending category
Published catalogue rates before caps and merchant-category exclusions.
| Category | Recorded rate |
|---|---|
| Dining & delivery | 2.5% |
| Groceries & essentials | 2.5% |
| Entertainment & movies | 2.5% |
| Offline store shopping | 2.5% |
| Fuel & commute | 0.3% |
| Online shopping | 0.3% |
| Bills & utilities | 0.3% |
| Travel & hotels | 0.3% |
| Subscriptions & streaming | 0.3% |
| Beauty & wellness | 0.3% |
| International spending | 0.3% |
| House rent | 0.3% |
| Insurance premiums | 0.3% |
| Education & family | 0.3% |
| Healthcare & pharmacy | 0.3% |
| Other miscellaneous | 0.3% |
| Gold & jewellery | 0.3% |
Caps and fee waiver
- Reward caps
- No general cap recorded
- Annual fee waiver
- At ₹2,00,000 annual spending
- Monthly income requirement
- Not listed
Airport lounge access
4 domestic airport lounge visits per year
1 domestic airport lounge visit per quarter · Issuer card
Guest access: Not available
Benefits & conditions
Expand a category to see recorded benefits, fees and eligibility, with conditions and links to the sources. Categories without recorded details are grouped below; missing information does not mean a benefit is unavailable.
Rewards and cashback · 6 items
BPCL fuel rewards
Usage-based value25 points per ₹100 at eligible BPCL fuel outlets, excluding fuel paid through UPI.
Conditions: 25 points per ₹100 at eligible BPCL fuel outlets, excluding fuel paid through UPI.
BharatGas rewards
Usage-based value25 points per ₹100 on eligible BharatGas purchases.
Conditions: 25 points per ₹100 on eligible BharatGas purchases.
Selected-category rewards
Usage-based value10 points per ₹100 on eligible dining, grocery, departmental-store and movie transactions.
Other eligible rewards
Usage-based value1 point per ₹100 on other eligible retail purchases.
25 reward points per ₹100 on eligible BPCL fuel and BharatGas purchases
Shown without a cash value10 points per ₹100 on dining, groceries, departmental stores and movies
Shown without a cash value
Fees · 2 items
Annual card fee
Cost ₹1,499₹1,499 annual fee before applicable tax.
Joining fee
Cost ₹1,499₹1,499 one-time joining fee before applicable tax.
Fee waiver · 1 item
Annual fee waiver
Usage-based · up to ₹1,499Annual fee may be waived after ₹2,00,000 of eligible annual spending.
Conditions: Reach ₹2,00,000 eligible annual spending
Welcome benefits · 1 item
6,000 bonus reward points
Recorded value ₹1,500Welcome points worth ₹1,500 at SBI Card’s published redemption value.
Conditions: Pay the applicable joining fee · Points are credited within 30 days of joining-fee payment
Airport lounge access · 1 item
Domestic lounge access
Usage-based value1 visit per quarter through Issuer card. Guest access: not available.
Fuel benefits · 1 item
1% fuel surcharge waiver on eligible fuel transactions up to ₹4,000, capped at ₹100 per statement cycle
Shown without a cash value
Foreign-currency charges · 1 item
Foreign-currency markup
Usage-based value3.5% foreign-currency markup before applicable tax.
Conditions: Applies to eligible foreign-currency transactions
Eligibility and availability · 1 item
Application eligibility
Shown without a cash valueApplication availability: open. No universal verified numeric income threshold is used as a hard filter. SBI Card does not publish a universal numeric income threshold for this card.
Other categories (10)
These categories have no detailed entries. We distinguish confirmed absences from information that still needs review.
Spend milestones
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Card tiers
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Movies and entertainment
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Travel privileges
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Dining
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Golf
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Insurance and protection
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Memberships
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Concierge
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Other benefits
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗
What stands out
- ✓ 25 reward points per ₹100 on eligible BPCL fuel and BharatGas purchases
- ✓ 10 points per ₹100 on dining, groceries, departmental stores and movies
- ✓ Four domestic airport lounge visits per year, capped at one per quarter
- ✓ 6,000 welcome points after joining-fee payment
What to watch
Full value depends on BPCL/BharatGas availability in your area: check pump coverage before committing to this over a bank-agnostic cashback card.
Recorded exclusions
Rent · Wallet load · Cash withdrawal · Emi · Fees charges
How GainFair evaluates this card
The personal card advisor applies your monthly spending to category rates, limits rewards at the applicable caps, adds eligible movie, milestone and lounge value, and subtracts annual fees plus foreign-currency markup and GST. It can recommend keeping your current cards when a new card does not create enough incremental value.
Affiliate disclosure: Affiliate link · GainFair may earn a commission if you complete a qualifying action. You pay nothing extra, and compensation never affects recommendations or rankings. Read the full disclosure.
Compare against
These cards have the closest mix of purpose, reward style, fee model and tier. They are suggestions for comparison, not rankings.
Issuer sources
Open the sources used for this card's product details, rewards, fees and eligibility.
Sources checked 13 Sept 2026