BPCL SBI Card OCTANE

SBI Card · ₹1,499 a year · fee waived on ₹2,00,000 of annual spend

The strongest fuel card for BPCL customers, and good on groceries and dining too.

Base rate: 0.25% as Reward Point.

What the bank says

• 7.25% value back at BPCL pumps: 25X points plus the 1% surcharge waiver, up to 2,500 points a month
• 10 reward points per ₹100 on dining, departmental stores, groceries and movies, up to 7,500 a month
• 6,000 bonus reward points worth ₹1,500 on paying the annual fee
• 4 domestic lounge visits a year
• Fee reversed on annual spends of ₹2 lakh

Where it pays more

• 6.25% at BPCL pumps (25X points), up to 2,500 points a month
• 2.5% on dining, departmental stores and groceries, up to 7,500 points a month

Things that catch people out

• SBI Card’s 7.25% includes the 1% fuel surcharge waiver. We count the 6.25% in points.
• We assume 90% of your fuel is bought at BPCL; other pumps earn nothing.
• The 6,000 welcome points each year are not in our figure; they are worth ₹1,500.

Joining fee: ₹1,499. Foreign currency markup: not published.

Read from SBI Card’s own page on 2026-09-16.

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