SBI Card
Gold · BPCL Octane
BPCL SBI Octane Credit Card
SBI Card
Premium fuel rewards with 25 RP per ₹100 at BPCL pumps
Annual Fee
₹1,499
Joining Fee
₹1,499
Reward Rate
0.3%
Forex Markup
3.5%
Value Analysis
Annual Net Value
₹8,231
Total Annual Benefits
₹10,000
Total Annual Charges
₹1,769
ROI
466%
Fee Waiver Available
Annual fee waived on spending ₹2 Lakh in the preceding year — ₹2,00,000 annual spend
Card Analytics
Visual breakdown of value, benefits, and limits
Value Breakdown
Benefits Distribution
Transaction Limits
Card Scorecard
Charges Breakdown
Benefits & Perks
Fuel Benefits (2)
25 Reward Points per ₹100 on BPCL Fuel
Earn 25 reward points per ₹100 on fuel purchases at BPCL pumps
- • Valid at all BPCL fuel stations
25 RP per ₹100 at BPCL
Fuel Surcharge Waiver
3.25% fuel surcharge waiver at BPCL pumps on transactions ₹400–₹5,000
- • Valid on transactions ₹400–₹5,000 at BPCL
- • Max ₹500 per statement cycle
3.25% waiver
₹6,000/yr
Reward Points (2)
10 Reward Points per ₹100 on Groceries & Movies
Earn 10 reward points per ₹100 on grocery and movie transactions
- • Applicable on grocery and movie transactions
10 RP per ₹100
Reward Points on All Other Spends
Earn 1 reward point per ₹100 on all other retail spends
1 RP per ₹100
Airport Lounge Access (1)
Domestic Lounge Access
4 complimentary domestic airport lounge visits per year (1 per quarter)
- • 1 complimentary visit per quarter at domestic airports
4 visits/year
₹10,000/yr
Reward Program
Program
SBI Reward Points
1 RP per ₹100 (25X at BPCL, 10X on grocery/movies)
Effective cashback: 0.25%
Points expire: 2 years from date of accrual
Redemption Options
- → BPCL Fuel (1 RP = ₹0.25)
- → Products & Vouchers
- → Flights & Hotels
- → Cashback (1 RP = ₹0.20)
Bonus Categories
BPCL Fuel
25x multiplier
25 reward points per ₹100 at BPCL fuel stations
Groceries
10x multiplier
10 reward points per ₹100 on grocery spends
Movies
10x multiplier
10 reward points per ₹100 on movie spends
Milestone Bonuses
2,000 bonus reward points on spending ₹2 Lakh annually
Spend ₹2,00,000 annually
2,000 Reward Points
Fees & Charges
| Charge | Amount |
|---|---|
| Joining Fee | ₹1,499 Excluding 18% GST |
| Annual Fee | ₹1,499 Excluding 18% GST |
| Add-on Card Fee | Free Free |
Transaction Charges
- Forex Markup
- 3.5%
- Interest Rate (Monthly)
- 3.5%
- Late Payment Fee
- ₹950
- Cash Advance Fee
- 2.5%
ATM Charges
- Own Bank Withdrawal
- ₹250
- Other Bank Withdrawal
- ₹250
- Intl. Withdrawal Fee
- 3.5% + ₹250
Fuel Surcharge Waiver
3.25% waiver on transactions between ₹400 – ₹5,000. Max waiver: ₹500/cycle.
Eligibility
Requirements
- Min. Monthly Income
- ₹30,000
- Min. Annual Income
- ₹3,60,000
- Min. Credit Score
- 720
- Age Range
- 21 – 60 years
- Employment
- Salaried, Self-Employed
Notes
- • Salaried: Minimum monthly income ₹30,000
- • Self-Employed: Minimum ITR of ₹3.6 Lakh p.a.
- • Age 21–60 years
Insurance Coverage
Accidental Death
₹5.0 L
Permanent Disability
₹5.0 L
Lost Card Liability
₹2.0 L
Report within 24h
- • Air accident cover: ₹5 Lakh accidental death cover
- • Lost card liability cover up to ₹2 Lakh
Airport Lounge Access
Domestic
4 visits/year
1 per quarter
~₹2,500/visit
International
0 visits/year
N/A
Dreamfolks
- • Domestic: 1 complimentary visit per quarter at domestic airports
Transaction Limits
ATM Withdrawal / Day
₹30,000
POS & E-Commerce / Day
₹3,00,000
Contactless / Txn
₹5,000
Features
Contactless payments EMV chip security Add-on cards available EMI conversion facility Premium BPCL fuel rewards Domestic lounge access
EMI Options
Min. Transaction
₹2,500
Interest / Month
1.5%
Tenure Options
3, 6, 9, 12, 18, 24 months
Processing Fee
1%
Ready to Apply?
The BPCL SBI Octane Credit Card is an upgraded fuel card offering 25 reward points per ₹100 on BPCL fuel purchases, 10 reward points per ₹100 on groce...
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