BPCL SBI Octane Credit Card: Features & Apply

Summary

In short words, the BPCL SBI Octane Credit Card is a low-cost fuel credit card for regular travelers who want to avail of discounts on fuel. Coupled with other great benefits like earning 25X reward points on BPCL outlet purchases, the card offers 6.25% overall value back, thus becoming one of the best products under the fuel cards category.

Other than that, it also gives a 1% fuel surcharge refund on fuel spends of ₹500 to ₹4,000 at BPCL retail outlets. That is, you save with every refill. Other than fuel advantage, the card also provides 10X reward points on grocery, restaurant, movie, and department store spends, thereby making it a shrewd choice for daily shopping too.

What adds more value is the 6,000 reward points welcome benefit worth ₹1,500 and milestone reward of annual fee waiver if your annual spend is over ₹2 lakh. Besides that, there are 4 free domestic airport lounge visits per year, providing convenience to frequent flyers.

Introduction

In today’s time, credit cards are not just a payment instrument anymore—they are now a clever money companion that provides convenience, savings, and rewards. With so many credit cards to choose from in the market, however, the BPCL SBI Octane Credit Card is one of the best options for fuel users and frequent travelers. Introduced as a joint venture by Bharat Petroleum Corporation Limited (BPCL) and State Bank of India (SBI), this credit card is meant to ease the pain of increased fuel prices as well as provide several lifestyle advantages.

To begin with, the BPCL SBI Octane Credit Card is for regular consumers of BPCL petrol pumps. It provides amazing cashback and reward points for each fuel consumption. That is not all; it also gets you money back on eating out, grocery shopping, as well as utility bill payments. In addition, the card includes several premium advantages such as lounge access and fuel surcharge exemption that make it the ideal option for those who like to have luxury along with savings in one card.

Also, the application process for this card is easy and fast. Whether you are a salaried person or an independent professional, you can apply online with easy documents. Also, the card has a good credit limit and easy repayment options, so you can use it without fear of overspending.

Another significant feature is that the BPCL SBI Octane Credit Card provides faster rewards on fuel spends. This implies, the more you spend on fuel, the higher your points. These points can be used to redeem at fuel spends or other fine deals, which creates real value for your daily expenditure. Also, the annual fee is very minimal, and the advantages you receive fully offset the card, particularly if you utilize the card judiciously.

What is the BPCL SBI Octane Credit Card?

BPCL SBI Octane Credit Card is a high-end credit card that has been launched by State Bank of India (SBI) in partnership with Bharat Petroleum Corporation Limited (BPCL). It has been launched particularly for those people who spend a lot of cash on fuel. With this card, customers can save money whenever they get their fuel filled at BPCL petrol pumps. That is, it helps you accumulate reward points and cashback on your fueling expense.

Additionally, the card not only gives you fuel benefit. It even gives rewards on your everyday expenditures like grocery buying, dining, and electricity expenses. This means that you may use one card for many different things and yet enjoy benefits. Also, there is no fuel surcharge if you use this card at BPCL fuel outlets, which saves you money yet again.

How is the design of the BPCL SBI Octane Credit Card?

BPCL SBI Octane Credit Card is modern and trendy in looks. It is black with a touch of red and blue, giving it a bold and premium look. BPCL and SBI Card logos, the name of the cardholder, and the chip for safe transactions are all seen on the front.

In addition, the card design also reflects its close relationship with travel and fuel. The entire appearance is professional, neat, and intelligent and, as such, suitable for business and personal purposes alike. In addition, the card also has a high-quality and long-lasting feel when one holds it in their hand, giving users a sense of pride.

What are the benefits of the BPCL SBI Octane Credit Card?

Here are the key advantages explained in easy terms:

1. Large Reward Points on Fuel Spending

• You earn 25X reward points (6.25% value back) on fuel station spending at BPCL.

2. Waiver on Fuel Spending

• You get a 1% waiver on fuel spending at BPCL stations (on spending of ₹500 to ₹4,000).

3. Welcome Benefit

• On receiving the card, you receive 6,000 welcome reward points (equivalent to ₹1,500).

4. Faster Reward Points on Other Expenditure

• You earn 10X reward points on grocery, dining, movie, and department store expenditure.

5. Free Airport Lounge Visits

• The card provides 4 complimentary domestic airport lounge visits in a year (1 every quarter).

6. Redemptions for Easy Points

• Your collected reward points can also be used for fuel at BPCL outlets or vouchers and gifts from the SBI Card reward catalogue.

7. Milestone Rewards

• If your spend in the year is ₹2 lakh and above, the annual fee on the card in the next year is exempted.

8. Contactless Payments

• The card also features a contactless payment facility to enable convenient and secure payments by merely tapping the card at enabled terminals.

What are the fees for the BPCL SBI Octane Credit Card?

Here is a simple breakdown of the  BPCL SBI Octane Credit Card fees.

Joining Fee	Rs. 1,499 + GST
Annual Fee	Rs. 1,499 + GST
Add-on Card Fee	No charges for additional cards for family members.
Finance Charges	If you don’t pay your bill in full, a 3.75% per month (45% annually) charge is applied to the outstanding balance.
Cash Advance Fee	2.5% of the amount withdrawn or ₹500, whichever is higher.
Late Payment Fee	For Statement Balance Less than Rs. 101 – Nil Rs. 101 – Rs. 500 – Rs. 150 Rs. 501 – Rs. 5,000 – Rs. 500 Rs. 5,001 – Rs. 20,000 – Rs. 750 Rs. 20,000 & above – Rs. 1,000

What are the criteria for getting a BPCL SBI Octane Credit Card?

1. Age Requirement:

• You should be between 18 and 65 years of age.

2. Income Requirement:

• Salaried Applicants: The minimum net monthly income is required; however, the bank fixes the amount, which can differ based on the applicant’s profile.

• Self-Employed Applicants: A minimum ITR amount is needed; the bank fixes the specific amount and can differ with applicants.

3. Employment Status:

• You should have a regular job or business with a fixed income source.

4. Credit Score:

• A CIBIL score of 700 and above is preferred for sanction.

5. Residency:

• You should be an Indian resident and have proof of a valid address.

What documents are required to get a BPCL SBI Octane Credit Card?

The documents that you will have to submit to get the AA BPCL SBI Octane Credit Card are as below:

Identity Proof	Aadhaar card, Passport, Voter ID, Driving license, PAN card
Address Proof	Utility bills like electricity, water, etcRent agreement, Bank statement, or passbook with your address
Income Proof	Salary slip for the last 3 months, if you are a salaried employeeBank statement for the last 3 monthsITR for self-employed persons
Photograph	The latest passport-sized photograph

Where can the BPCL SBI Octane Credit Card be used?

Here is the list of places where you can use it:

• With the BPCL SBI Octane Credit Card, you can shop for clothing, electronics, accessories, and more at almost every retail outlet, shopping mall, and e-shopping website.

• You can also use it on websites like Amazon, Flipkart, etc., and also make bookings on websites like MakeMyTrip, Yatra, etc.

• You can use the card to pay for your meals in restaurants, cafes, and fast food outlets.

• You can use it to book flight, train, or bus tickets, as well as to pay for taxi, Uber, Ola, or hotel bookings.

• You can use your credit card to pay electricity and water bills, mobile bills, and internet services.

• You can use your  BPCL SBI Octane Credit Card to pay for expensive items such as electronics or appliances through easy monthly installments (EMIs).

• The  BPCL SBI Octane Credit Card is also accepted in other countries, where you can make purchases and payments. It is also accepted wherever Visa is accepted.

What is the credit limit of the BPCL SBI Octane Credit Card?

The credit amount you can spend is what you are provided to you with a BPCL SBI Octane Credit Card. It is based on your income, credit score, and other financial history when you are selected for this credit card by the bank.

For instance, if you have a credit limit of ₹50,000, you can spend up to that amount only. If you want to spend more than the limit, the bank will not consider it.

The actual credit limit varies with the person. A credit limit could be ₹30,000 for someone and ₹1,00,000 for another, or even more, considering his/her profile and financial background.

It’s essential to follow the expenses and not exceed the credit limit because when you pass this limit, then penalties get added, and your credit score also goes down.

How do you apply for a BPCL SBI Octane Credit Card?

Apply it through both these modes: 

Online Application Process:

• Visit the official website of the SBI Bank, i.e. 

• Go to ‘Cards’, followed by ‘Credit Cards’.

• On that page, you can see numerous options for credit cards issued by SBI Bank; for instance, you can choose the  BPCL SBI Octane Credit Card.

• Just hover your cursor on the  BPCL SBI Octane Credit Card and select ‘Apply Now‘ from there.

• You will be asked to fill out your details, including your name, contact information, income details, and employment status.

• Be accurate and updated with the information provided.

• You are required to upload documents like your identity proof, address proof, income proof, and photograph, as per the list of documents mentioned above.

• After filling out the details and uploading the documents, review your application to make sure everything is correct.

• Apply online through the application form.

• The bank will check your application after you submit it. They can ask for extra documents or information if required.

• You will be informed about the status of your application, and if approved, your card will be delivered to you.

Offline Application Process:

• You can walk into the nearest SBI Bank branch to apply for the  BPCL SBI Octane Credit Card.

• Request for the credit card application form of the  BPCL SBI Octane Credit Card. They will provide you with the form and proceed accordingly.

• Fill in the details in the application form wherever it is required. Care should be taken to ensure that all the information about personal details, income, and jobs provided by the applicant is correct.

• Along with the form, furnish the relevant documents. The list of documents includes Identity proof, Address proof, Proof of income, and a passport photograph.

• Your application will be processed, and your information will be cross-checked at the bank level.

• In case of successful completion, the bank will sanction the credit card with a reply and forward it to the registered address.

• You will receive the  BPCL SBI Octane Credit Card by post at the same postal address.

• Once you receive your card, you need to activate it by following the instructions given in the envelope, either through the SBI Bank Card website, mobile app, or by calling their customer service.

• You must set your PIN (Personal Identification Number) for security purposes before you can start using your credit card.

Would getting a BPCL SBI Octane Credit Card in 2025 be right?

Yes, getting a BPCL SBI Octane Credit Card in 2025 can be a good option if you require a credit card with great offers, especially for those who shop for lifestyle products. The reward is excellent and comes with the purchase of items such as jewelry. The bank also provides discounts and easy access to the EMI facility. 

SBI Bank is also a strong bank with high customer service, so it is dependable. But don’t forget that you should ensure you can handle your credit responsibly in terms of paying the bills and keeping your credit from exceeding its limit. Provided that you are stable in terms of income and you have good credit, it might be a very good option in 2025.

Conclusion

Briefly, the BPCL SBI Octane Credit Card is among the best credit cards one can get in India, especially for those who use fuel daily. As petrol and diesel prices keep increasing day by day, having a card that provides you with 6.25% value back on fuel spends can prove to be an excellent money saver. Not only will it reduce your fuel costs, but it also offers several other benefits like access to airport lounges, enhanced reward points for your daily spends, and exemption from the 1% fuel surcharge. This puts it squarely beyond a fuel card—it turns into a lifestyle card.

Also, the welcome bonus and milestone rewards are value additions. You get 6,000 reward points as a bonus when you buy the card and shop within 30 days, thus you start saving right from the beginning. Also, if you spend ₹2 lakh or more in a year, you need not pay the renewal fee. Thus, with wise usage, this card can almost be free for you every year.

In addition, the card is easy to carry, has an in-built secure contactless payment facility, and is usable at millions of places in India and abroad. Wherever you buy groceries, dine out, pay bills, or just fill up petrol, this card rewards you every step of the way.

Frequently Asked Questions (FAQ’s)