What is the reward rate on the BPCL SBI Card OCTANE?

You earn 25 points per ₹100 on BPCL Fuel & Lubricants. Everything else earns 1 point per ₹100. Each point is worth about ₹0.25 when you redeem it well, so ₹10,000 of top category spend gives you 2500 points, roughly ₹625, which is about 6.2% back. The accelerated rate stops after ₹625 of spend in a month. Mobile wallet upload, Non BPCL fuel spends earn nothing at all.

Does the BPCL SBI Card OCTANE give free airport lounge access?

The BPCL SBI Card OCTANE gives 4 complimentary domestic lounge visits a year, usually capped at 1 per quarter. There is no prior spend requirement on paper, though SBI Card has been moving cards to spend linked access, so confirm before you rely on it at the airport.

What changed on the BPCL SBI Card OCTANE recently and is it still worth it in 2026?

Insurance removed (Jul 2025); lounge tightened (Jan 2026); 1% wallet/education fees. Core 7.25% fuel value-back intact. The changes are dated Jul 2025; Jan 2026. At ₹2L of yearly spend the card returns roughly ₹500 at its general rate of about 0.25%, against a ₹1,499 renewal fee. That does not clear the fee on its own, so this card only makes sense if the lounge visits or the co-brand benefits are worth the gap to you.

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Card Details

1804 7011 5768 5410

BPCL SBI Card OCTANE

SBIVISA

Monzy Score

7.5/ 10

Very good for high fuel spenders.

Strong ~6% back in its core category; thin rewards outside its core category; high 3.5% forex markup.

Card Issuer

SBI Card

Joining Fee

₹1,499

Annual Fee

₹1,499

Reward Type

Reward Points

Card Access

Standard

Offers from SBI Card

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Electronics Deals · till 15 Sep 2026
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Shopping Deals · till 18 Sep 2026

Earn Points

25pts

/₹100 at Bpcl (max ₹625/Mo)

10pts

/₹100 on Dining (max ₹1,875/Mo)

10 RP/₹100

Dining, groceries, departmental stores & movies (up to 7,500 RP per month)

10pts

/₹100 on Movies (max ₹1,875/Mo)

Benefits

Fuel

25X rewards plus 1% waiver at BPCL pumps

Best-in-class BPCL fuel savings
25 RP/₹100 on BPCL fuel, lubricants and Bharatgas
Additional 1% fuel surcharge waiver on BPCL swipes up to ₹4,000
Fuel bonus capped at 2,500 Reward Points per billing cycle

Lounges

4 domestic Visa lounge visits yearly

Quarterly domestic lounge access
Visa lounge access in India
One complimentary visit allowed each quarter
No international lounge access included

Protection

₹2 lakh spend reverses renewal fee

Reward Calculator

NOTE: Enter your monthly spends to see
projected returns.

Total Monthly Spend

Min: ₹5,000Max: ₹2,00,000

Estimated Returns

BPCL fuel, lubricants & Bharat Gas (BPCL app/website)

25X = 25 RP/Rs.100 (6.25% via points) + 1% fuel surcharge waiver = 7.25% value back. Capped at 2,500 RP/month (~Rs.625). Surcharge waiver max Rs.100/month on txns up to Rs.4,000.

₹625

Dining, groceries, departmental stores & movies

10X = 10 RP/Rs.100 (~2.5%). Combined cap 7,500 RP/month across these categories (~Rs.1,875).

₹500

All other retail spends

1 RP per Rs.100 (~0.25%). RP = Rs.0.25 (redeemed at BPCL outlets).

₹0

Total Annual Return

₹13,500

3.75% Effective ROI

What Users Are Saying

Community Feed

Jul 2025

BPCL SBI Card OCTANE

Offers from SBI Card

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What Users Are Saying

Frequently Asked Questions

Things to Keep in Mind

BPCL SBI Card OCTANE

Offers from SBI Card

Earn Points

Benefits

Reward Calculator

What Users Are Saying

Frequently Asked Questions

Things to Keep in Mind

BPCL SBI Card OCTANE

Offers from SBI Card

Earn Points

Benefits

Reward Calculator

What Users Are Saying

Frequently Asked Questions

Things to Keep in Mind