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SBI CardPlatinum

SBI BPCL Octane

•••• •••• •••• 4242

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Quick facts

SBI BPCL Octane

Top reward25X points

Annual fee₹1,499

Min income₹30,000/mo

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⛽Fuel Masters

SBI Card · Platinum tier

SBI BPCL Octane

Maximum value for BPCL fuel spenders.

Key Benefits

BPCL fuel: 25X points (cap ₹10,000/mo fuel spend)Groceries & dining: 4X pointsFuel surcharge: 1% waiver (cap ₹100/cycle)Annual fee waiver at ₹2,00,000 yearly spend

Annual fee

₹1,499

Top rate

25X points

Min income

₹30,000/mo

Eff. return

1.39%

Realistic net value (moderate user): ₹6,671/year

After ₹1,499 fee & ₹630 forex. Based on ₹40,000/mo spend.

12,400 users matched · Verified 2026-06-12

You apply directly with the bank. If you share your contact details on their form, the bank may call you. We never sell your data or make sales calls.

We earn commission if approved — at no cost to you. Zero sales calls.

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Our transparency commitment

✓ Reward caps shown in absolute ₹ — not just "5% cashback"

✓ Exclusions listed upfront — fuel, EMI, rent, wallet

✓ Point conversions with conservative ₹/point rates

Rates, fees, and eligibility notes are sourced from public issuer information and may contain errors. Always verify on the bank's website before applying.

All Benefits

Rewards, lounge rules, fee perks, and extras — sourced from public issuer information.

BPCL fuel: 25X points (cap ₹10,000/mo fuel spend)
Groceries & dining: 4X points
Fuel surcharge: 1% waiver (cap ₹100/cycle)
25X rewards on BPCL fuel
4X on groceries/dining
Fuel surcharge waiver
Annual fee waiver at ₹2,00,000 yearly spend
Welcome bonus up to ₹6,000
Best for: BPCL fuel users
Best for: Daily commuters
Best for: ₹30K+ income

Source: SBI BPCL Octane T&Cs

⛽Fuel Masters

BPCL, IOCL & surcharge waivers

Reward Structure

Source: SBI BPCL Octane T&Cs

BPCL fuel

25X points

Cap: ₹10,000/mo fuel spend

Groceries & dining

4X points

Fuel surcharge

1% waiver

Cap: ₹100/cycle

Example: ₹100/mo spend → ≈ ₹1/mo (max at cap)

Excluded categories (no rewards)

Non-BPCL fuelEMIRentWallet

Fee waiver at

₹2,00,000 annual spend

What You Actually Earn (in ₹)

Absolute INR estimates based on your spends. Caps and exclusions applied — no marketing fluff.

Gross rewards / year

₹8,800

Before fees & forex

Costs / year

₹2,129

Fee ₹1,499 + forex ₹630

Net value / year

₹6,671

1.39% effective return on spend

Category-wise breakdown

Fuel (BPCL only)

Spend ₹4,000/mo · 25 pts per ₹150 spend

₹2,000.00/year

₹166.67/mo

667 pts × ₹0.25 = ₹166.67/mo667 pts/mo @ ₹0.25/pt

Groceries

Spend ₹6,000/mo · 4 pts per ₹150 spend

₹480/year

₹40/mo

160 pts × ₹0.25 = ₹40/mo160 pts/mo @ ₹0.25/pt

Dining & food delivery

Spend ₹4,000/mo · 4 pts per ₹150 spend

₹320/year

₹26.67/mo

107 pts × ₹0.25 = ₹26.67/mo107 pts/mo @ ₹0.25/pt

Fee waiver likely: Your ₹4,80,000/yr spend exceeds the ₹2,00,000 waiver threshold.

Estimates assume eligible spends only (exclusions per issuer T&Cs apply). Point values use typical redemption rates — actual value varies by redemption choice. Bank approval and reward crediting is at issuer discretion.

Best for

→BPCL fuel users
→Daily commuters
→₹30K+ income

Points → INR Conversion Guide

Marketing says "10X points" — here's what that actually means in your pocket.

fuel — 25 pts per ₹150 spend

You spend

₹10,000

→

You earn

1667 pts

Worth ≈

₹416.67

@ ₹0.25/point

Capped at ₹10,000/month spend for accelerated rate

groceries — 4 pts per ₹150 spend

You spend

₹10,000

→

You earn

267 pts

Worth ≈

₹66.67

@ ₹0.25/point

dining — 4 pts per ₹150 spend

You spend

₹10,000

→

You earn

267 pts

Worth ≈

₹66.67

@ ₹0.25/point

Redemption reality: Point value varies — cashback redemption is typically lower than travel partner transfers. We use a conservative ₹0.25/pt in calculations. Points expire in 24 months if unused.

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Fees & Charges — Full Disclosure

All amounts in INR. Everything that can reduce your net value.

Joining fee

Charged in first year

₹1,499

Annual / renewal fee

Waived on ₹2,00,000 annual spend

₹1,499

Forex markup

3.5% on international transactions

Finance charges

≈3.5–3.75% per month (42–45% p.a.) if you revolve balance — pay in full to avoid

Late payment fee

₹400–₹1,300 depending on statement balance — always pay on time

Reward redemption fee

Usually ₹0 for cashback cards; points cards may have ₹99+ redemption fee

Example: moderate user net math

Gross rewards+ ₹2,800

Signup bonus (year 1)+ ₹6,000

Annual fee− ₹1,499

Forex cost− ₹630

Net annual value₹6,671

Eligibility Snapshot

Public criteria from SBI BPCL Octane T&Cs. Bank makes final decision.

Minimum age21–60 years

Min income (salaried)₹30,000/mo

Min income (self-employed)₹7,20,000/year

Employment acceptedsalaried, self employed

Credit history6+ months preferred

CIBIL checkBank checks at application — CardHungry never pulls your score

Secured optionUnsecured card only

Card tierPlatinum — premium benefits tier

Important: These are indicative eligibility bands from issuer websites. Actual approval depends on the bank's internal score, existing relationship, and current portfolio policy. CardHungry shows bands, not guarantees.

FAQ

How much can I actually earn with SBI BPCL Octane?+

At moderate spend (₹40,000/mo), gross rewards are about ₹2,800/year. After the ₹1,499 annual fee, net value is approximately ₹6,671/year. Use the calculator above to model your own spends.

What is the minimum income for SBI BPCL Octane?+

₹30,000/month for salaried applicants (indicative — bank decides).

What spends do NOT earn rewards?+

Non-BPCL fuel, EMI, Rent, Wallet.

Does CardHungry pull my CIBIL score?+

No. We use public eligibility criteria only. The bank will check CIBIL when you apply.

How do I get the annual fee waived?+

Spend ₹2,00,000 in a calendar year to get the ₹1,499 renewal fee reversed.