All credit cardsRates verified 15 Jun 2026Apply on SBI Card
SBI Card
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.
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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.
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.