BPCL SBI Card Octane
Visa
BPCL SBI Card Octane
SBI Card · Visa
Quick answer
BPCL SBI Card Octane by SBI Card has an annual fee of ₹1,499 and APR of 42%. Best for fuel. Pay the full bill every month — carried balances cost far more than any reward.
Opens the issuer's site. MoneyRadar has no paid placement here.
Joining fee
₹1,499
Annual fee
₹1,499
Forex markup
4%
APR
42%/yr
Fee waiver: Annual fee waived on ₹2L spend a year
What you earn
- 8%7.25% value back at BPCL pumps (incl. surcharge waiver)
- 0%on general spends
Welcome: ₹1,500 worth of bonus reward points
Lounge access
4 domestic visits/year
Who it's for
Minimum income ₹30,000/month · credit score 720+. For salaried, self-employed.
Income and score are screening estimates, not an approval promise. The issuer makes the final call.
Check the issuer's terms
Card rules change without much warning. We checked this snapshot on 26 July 2026. Open the issuer's current terms ↗
What's great
- Best-in-class fuel savings at BPCL
- Fuel surcharge waiver included
- 4 lounge visits
Watch out for
- Rewards tilted to BPCL
- Weak on non-fuel spends
Compare head-to-head
One honest reminder: a card is only worth it if you clear the full bill every month. At 42% a year, carried balances cost far more than any reward here is worth.