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BPCL SBI Card Octane
SBI • Visa

BPCL SBI Card Octane

7.25% Value back on BPCL Fuel

Annual Fee₹1499Waived on ₹2L spend
Base Reward1.0%On all spends
Lounge Access1610 domestic • 6 intl
Est. Annual Savings₹2,643Based on ₹4.8L annual spend

Fee waiver & value estimator

Adjust your spend to see fee waiver eligibility and capped rewards.

Annual fee
₹30,000 / mo
₹3,60,000 / year
Estimated rewards₹3,600

Assumes base reward rate only.

Annual feeWaived

Waived on ₹2L spend

Net value₹3,600

Estimated savings per year.

Fee waiver target: ₹2,00,000 annual spend.

Reward Rate Breakdown

Category-wise reward rates for this card

Fuel
7.2%
Dining
2.5%
Shopping
2.5%
Basedefault
1.0%

Insights

Verified card-level notes, best use-cases, and watchouts.

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Insights

  • BPCL SBI Card Octane is best positioned as a fuel + lifestyle specialist rather than a universal all-spend card.
  • Its current reward model is anchored around 7.2% on fuel-aligned lanes, while broad base return remains closer to 1.0%.
  • Current mapped lounge footprint is 16, adding travel-side utility when issuer eligibility conditions are met.

Best Utilization

  • Route this card to fuel and lifestyle spends first, then shift spillover transactions to stronger category alternatives.
  • Track statement outcomes monthly to confirm that expected reward credits are posting in the intended merchant/category buckets.
  • Maintain break-even discipline against the annual fee of INR 1,499 and reduce allocation if annual net value weakens.

Watchouts

  • points-value realization depends on redemption choice and transfer use
  • Lounge access may still require spend/quarter gating or program conditions; verify issuer terms before travel plans.
  • Category caps, partner restrictions, and MCC-level exclusions can materially reduce realized value versus headline promotion copy.

Truth Data Snapshot

Issuer-linked details for offers, redemption, lounges, and reliability status.

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Offer Truth

  • Joining fee₹1,499
  • Annual fee₹1,499
  • Waiver threshold₹2,00,000
  • Cap typenone
  • Cap resetnone
  • Last verified2026-02-12

Redemption Truth

  • Cash value/pointNot listed
  • Travel value/pointNot listed
  • Transfer partners0
  • Min redemptionNot listed
  • Expiry policyNot listed
  • Last verified2026-02-12

Lounge Truth

  • NetworkVisa
  • Domestic count10
  • International count6
  • Quarterly limitNot listed
  • Airport-terminal rows16
  • Policy check2026-02-10

Reliability + Outcomes

  • Verification statusverified
  • Freshness days1
  • Source conflicts0
  • Applied reports22
  • Approval reports13

Upgrade Path

These are objective same-bank step-up options from the current rewards and lounge model.

No clear same-bank upgrade path is currently detected for this card.

Lounge Eligibility Checklist

Mapped from issuer lounge dataset + card policy signals

Lounge Spend Tracker

Eligibility target met: No

Track lounge eligibility for BPCL SBI Card Octane using your current period spend.

₹0 spent₹2 target

Policy signal used: Waived on ₹2L spend

Spend threshold

Waived on ₹2L spend

Quarter / cycle rule

No quarter or billing-cycle lounge rule is explicitly listed.

Guest access

Guest access policy is not explicitly listed in current data.

Priority Pass

International lounge access is listed; verify if this is via Priority Pass or direct network.

Lounge Locations

16 airport lounge rows
View lounge map and location list16 rows
Loading interactive lounge map...

Click a city marker to jump to its lounge list below.

Ahmedabad

1 lounges • 1 domestic • 0 international

1
The LoungeDomestic

AHM • Ahmedabad Airport • Domestic T1

Bengaluru

2 lounges • 1 domestic • 1 international

2
080 Domestic Lounge - West PH 2Domestic

BEN • Bengaluru Airport • Domestic T1

080 International LoungeInternational

BEN • Bengaluru Airport • International T2

Chennai

2 lounges • 1 domestic • 1 international

2
Travel Club Lounge - T2 TerminalInternational

CHE • Chennai Airport • International T2

Travel Club Lounge -T1 Lounge BDomestic

CHE • Chennai Airport • Domestic T1

Hyderabad

2 lounges • 1 domestic • 1 international

2
Encalm LoungeDomestic

HYD • Hyderabad Airport • Domestic T1

Encalm LoungeInternational

HYD • Hyderabad Airport • International T1

Kolkata

2 lounges • 1 domestic • 1 international

2
Travel Club Lounge DomesticDomestic

KOL • Kolkata Airport • Domestic T1

Travel Club Lounge InternationalInternational

KOL • Kolkata Airport • International T1

Mumbai

3 lounges • 2 domestic • 1 international

3
Adani East LoungeInternational

MUM • Mumbai Airport • International T2

Adani LoungeDomestic

MUM • Mumbai Airport • Domestic T1B

Travel ClubDomestic

MUM • Mumbai Airport • Domestic T2

New Delhi

3 lounges • 2 domestic • 1 international

3
Encalm LoungeDomestic

NEW • New Delhi Airport • Domestic T1

Encalm LoungeDomestic

NEW • New Delhi Airport • Domestic T3

Encalm LoungeInternational

NEW • New Delhi Airport • International T3

Pune

1 lounges • 1 domestic • 0 international

1
Elysian LoungeDomestic

PUN • Pune Airport • Domestic Terminal

Redemption Optimizer Unavailable

Redemption optimization is unavailable for this card right now; this card is better evaluated via direct cashback and feature value.

Key Benefits

  • 7.25% Value on Bharat Petroleum Fuel
  • 4 Lounge visits/year
  • 6000 Bonus Points (~₹1500)

Things to Consider

  • Restricted to BPCL pumps
  • Points redemption for fuel only mostly

About BPCL SBI Card Octane

BPCL SBI Card Octane is a points card from SBI, best for heavy fuel spenders. It is tagged under fuel, lifestyle categories in our database.

FuelLifestyle

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Frequently asked questions

Is BPCL SBI Card Octane lifetime free?

It has an annual fee of ₹1499. Waived on ₹2L spend

What rewards does BPCL SBI Card Octane offer?

7.25% Value back on BPCL Fuel

Does BPCL SBI Card Octane include lounge access?

BPCL SBI Card Octane lists 16 lounge visits (10 domestic, 6 international).

Who should consider BPCL SBI Card Octane?

Heavy Fuel Spenders

Where can I apply for BPCL SBI Card Octane?

Check the issuer website for application availability.