Visa, RuPay 📡 Contactless NFC

BPCL SBI Card OCTANE

Joining Fee₹1,499

Annual Fee₹1,499

Forex Markup 3.5%

Apply & Earn ₹500 →

⚖️ Card Verdict & Target Persona

Who Should Apply

Frequent drivers and high-mileage motorists fueling at Bharat Petroleum (BPCL) pumps wanting industry-leading 7.25% total fuel savings, 2.5% grocery/dining rewards, and domestic lounge access.

Who Should Avoid

Motorists fueling at IOCL or HPCL stations.

🎁 Key Features & Highlights

✨

Exclusive Platform Reward

LTFCards Bonus

Claim an Amazon Gift Voucher worth up to ₹500 directly upon successful card approval.

Claim ₹500 & Apply →

🎉

Joining & Activation Welcome Gift

6,000 bonus Reward Points (worth ₹1,500) credited within 20 days of joining fee payment and realization

6.25% Valueback on Fuel at BPCL

Earn 25 Reward Points per ₹100 (6.25% valueback) on fuel purchases at BPCL petrol pumps (on spends up to ₹10,000/month).

2.5% Valueback on Groceries & Dining

Earn 10 Reward Points per ₹100 (2.5% valueback) on Dining, Departmental stores, Groceries, and Movie spends (capped at 7,500 points/month).

6,000 Welcome Bonus Reward Points

6,000 bonus Reward Points (worth ₹1,500) upon payment of the joining fee.

💰 Reward Structure & Point Valuation

1 Reward Points = ₹0.25

Standard Base Earning

4 Reward Points per ₹100 spent on regular retail purchases (1.0% return; 1 RP = ₹0.25)

Accelerated / Partner Rate

25 Reward Points per ₹100 (6.25% valueback) on fuel purchases at BPCL petrol pumps (capped at 2,500 points/billing cycle); 10 Reward Points per ₹100 (2.5% valueback) on Dining, Groceries, Departmental Stores, and Movies (capped at 7,500 points/month)

Points Validity:24 Months

Redemption Fee: ₹99 + GST / cycle

Redemption Modes: BPCL Fuel Voucher Redemption (1 RP = ₹0.25), SBI Rewards Catalog (Brand Vouchers & Electronics), Direct Statement Cash Credit

🚫 No Reward Points / Cashback on:

Non-BPCL Fuel Wallet Loads Rent Payments Government Transactions Cash Advances EMI

🛋️ Airport Lounge Access & Spend Criteria

✓ Lounge Access Active

🛫

Domestic Lounge Visits4 complimentary domestic airport lounge visits per calendar year (max 1 per quarter)

🌐

International Lounge VisitsNone

⚠️

Spend Criteria: None (Unconditional complimentary access)

⚡ Spend Milestones & Special Perks

Annual Fee Waiver ₹200,000/yr

Annual renewal fee of ₹1,499 + GST is waived off on spending ₹2,00,000 or more in the previous anniversary year

UPI Payments Support✓ Supported (RuPay)

2 Reward Points per ₹100 on eligible merchant RuPay UPI QR transactions

Fuel Surcharge Waiver1% Surcharge Waived

1% fuel surcharge waiver for transactions between ₹500 and ₹4,000 at BPCL pumps (Capped at ₹250/mo)

📋 Eligibility Criteria

✓ Official Criteria

Age Limit21 - 60 Years

Min. Monthly Income₹20,000

Min. Credit Score720 CRIF

Employment TypeSalaried / Self-Employed

📊 Interest Rates & Charges

Finance Charges (Interest Rate / APR):3.50% per month (42.0% per annum)

Late Payment Penalties:Late payment charges slab-based up to ₹1,300

Official Bank Portal Application

Get the BPCL SBI Card OCTANE

Annual Fee: ₹1,499/yr (Waivable)

Apply & Claim ₹500 →

Personalized Card Matcher

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Frequently Asked Questions

No, BPCL SBI Card OCTANE has a joining fee of ₹1499 and an annual renewal fee of ₹1499 (plus applicable taxes).

BPCL SBI Card OCTANE ₹1,499/yr