# BPCL SBI Card Octane (SBI)

> People who drive daily and fill up at BPCL.

- Page: https://creditselect.in/cards/bpcl-octane
- Annual fee: ₹1,499 plus GST, waived on spends of ₹2,00,000 a year
- Network: Visa
- Rewards paid as: Brand points or vouchers
- Lounge visits: 4 a year
- Foreign currency markup: 3.5%
- Typical minimum income: ₹30,000 a month
- Details last checked: 2026-10-23

## Rewards

| Where you spend | Back | Monthly limit |
|---|---|---|
| BPCL fuel (incl. surcharge waiver) | 7.3% | ₹625 |
| Dining, groceries, movies | 2.5% | ₹500 |
| Everything else | 0.3% | |

No rewards on: rent, upi.

## How to get the most from it

1. Fill up only at BPCL pumps; other brands get just the surcharge waiver at best.
2. The fuel cap covers roughly ₹8,500 of fuel a month.
3. Everything else earns very little, so pair it with a cashback card.
4. Spend ₹2 lakh a year to get the fee waived.

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Source: CreditSelect (https://creditselect.in). Banks change terms often; confirm on SBI's website before applying.