SBI

BPCL SBI Card OCTANE Credit Card

Good for BPCL purchases.

SBI VISA

BPCL SBI Card OCTANE

Should you get this?

Conditional fit

Confirm terms

Why this card

Up to 25 pts / ₹100 on BPCL
You can comfortably spend ₹2,00,000 a year on the card.
You spend on bPCL.

Issuer evidence · 3 sources →

Trade-off

The annual fee (₹1,499) is waived only after ₹2,00,000 of eligible annual spend.

Annual fee ₹1,499 per year

Base cashback 1%

Lounge access 4 visits / year

Forex markup 3.5% high

Compare with Axis Bank IndiGo →

Similar tier comparison

Rewards

Earning rules

Detail · from the summary above

General spend1%——

BPCL (domestic)25 pts / ₹100—2,500 points per month; at 25 pts / ₹100, this lane reaches the cap at ₹10,000 of eligible spend

Dining Movies Grocery (domestic)10 pts / ₹100—7,500 points per month; at 10 pts / ₹100, this lane reaches the cap at ₹75,000 of eligible spend

Annual fee break-even math

When does this card pay for itself

₹1.5L

Conservative yearly spend needed at base cashback rates.

Reward reality — the earning-rate detail behind the numbers above

Reward reality

Conclusion · what you actually get

Base earn

1% base cashback

Caps

BPCL (domestic)2,500 points per month
Why?
at 25 pts / ₹100, this lane reaches the cap at ₹10,000 of eligible spend
Dining Movies Grocery (domestic)7,500 points per month
Why?
at 10 pts / ₹100, this lane reaches the cap at ₹75,000 of eligible spend

View full earning rules →

Costs & fees

Spending requirements

Spend gates · caps · milestone thresholds

Annual fee waiver₹2,00,000yearAnnual fee waiverreasonablestrong

Watch outs

Before choosing this card

Forex markup is 3.5%, so frequent international spends may be costly.

Estimated usage

Example usage at this monthly spend

₹

At this monthly spend, you'd earn: ~₹500/month back (base earn · uses base/general earn rate; partner and category bonuses not included)
~₹6,000/year back · net +₹4,500 after ₹1,499 fee
Fee waiver achievable at this spend
Forex cost ~₹1,750 per ₹50k international spend

Illustrative only, using current base rates and snapshot data.

Benefits & charges

Side-by-side facts

Benefits

Lounge Access

Domestic (cardholder): 4 per year

3 sources agree · verify issuer terms before applying

Where to verify

CardInsider
PaisaBazaar
Issuer site (verified manually) , opens external site
International (cardholder): Not included International details not available.

3 sources agree · verify issuer terms before applying

Where to verify

CardInsider
PaisaBazaar
Issuer site (verified manually) , opens external site

Rewards

Base cashback: 1% base cashback
Reward type: Cashback
Point validity: Points expire 2 years after earning

Fees & charges

Fees

Monthly interest rate: 3.75% / month
Annual fee: ₹1,499
Joining fee: ₹1,499
Fee waiver spend: ₹2,00,000 Near catalog median waiver (₹2,00,000 vs ₹2,00,000).
Interest-free period: Up to 50 days · verified 7 Jul 2026

International Use

Forex markup: 3.5%

3 sources agree · verify issuer terms before applying

Where to verify

CardInsider
Shared Sbicard Com
Operator-verified anchor
Issuer site (verify current terms) , opens external site
Product tier: Mid-tier

Travel & perks

Fuel Benefits

At the pump

No verified fuel benefit available.

Fine print & compare

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The fine print

Caps · exclusions · earning · redemption · last refresh

Caps & limits

Monthly cap:2,500 reward points per month; at 25 reward points / ₹100, this lane reaches the cap at ₹10,000 of eligible spend.
Monthly cap:7,500 reward points per month; at 10 reward points / ₹100, this lane reaches the cap at ₹75,000 of eligible spend.

Latest update

Annual fee: ₹1,499.
Forex markup currently listed at 3.5%.
4 per year domestic lounge.

Common questions

From verified card facts

Is this good for lounge access?

4 per year domestic lounge. Check current spend criteria, guest rules, visit caps, and airport acceptance before relying on it.

Is this good for international spends?

Forex markup is 3.5%, so frequent international spends may be costly.

Is the annual fee easy to recover?

Fee waiver applies at ₹2,00,000 annual spend. Verify eligible spend exclusions before counting on it.

When do welcome benefits arrive?

A welcome benefit worth ₹1,500 is listed, but timing may depend on joining fee payment, card activation, first eligible transaction, or issuer processing.

Learn

Learn more

Guides matched to this card — not a random syllabus.

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