0% forexUPI
IDFC FIRST Bank
IDFC FIRST Power+ (HPCL) Credit Card
~5% back on HPCL fuel, groceries and bills
Annual fee₹499 + GST
Forex0%
LoungeYes
SBI Card
BPCL SBI Card Octane
7.25% value back on BPCL fuel
Joining fee₹1,499 + GST
Annual fee₹1,499 + GST
NetworkVisa / RuPay
Forex markup3.5%
LoungeYes
Best forFuel
Details checked October 2026
01Rewards
| BPCL fuel | 25 RP per ₹100 (~6.25%) + 1% surcharge waiver — capped at 2,500 RP/cycle |
| Dining, movies, groceries & departmental stores | 10 RP per ₹100 (~2.5%), capped at 7,500 RP/month |
| Other spends | 1 RP per ₹100 |
Redemption: 1 RP ≈ ₹0.25.
02Fees, benefits & charges
- Fee waiver
- Renewal waived on ₹2 lakh annual spend
- Welcome benefit
- 6,000 RP (~₹1,500) after paying the joining fee
- Milestones
- ₹2,000 e-voucher on ₹3 lakh annual spend
- Airport lounges
- 4 domestic visits a year (1/quarter)
- Forex markup
- 3.5%
- Fuel
- 1% surcharge waiver up to ₹100/month at BPCL
- No rewards on
- Wallet loads, rent, cash, EMI
03Highlights & watch-outs
Highlights
- Top fuel earn at BPCL pumps
- Accelerated dining & grocery rate
- Domestic lounge access
Watch out for
- Fuel rewards stop after ~₹10,000/month
- Very low base earn (0.25%)
Suits: Car owners spending ₹6,000–10,000 a month on BPCL fuel.
04FAQs
What is the annual fee of the BPCL SBI Card Octane?
The annual fee is ₹1,499 + GST, and the joining fee is ₹1,499 + GST. Renewal waived on ₹2 lakh annual spend
Does the BPCL SBI Card Octane offer airport lounge access?
4 domestic visits a year (1/quarter)
What is the forex markup on the BPCL SBI Card Octane?
The foreign currency markup is 3.5%.
Which spends don’t earn rewards on the BPCL SBI Card Octane?
Wallet loads, rent, cash, EMI.
ⓘBefore you apply: fees and rewards above were checked in October 2026 from issuer pages and public sources. Banks can change terms at any time — the issuer’s application page is the final word. Approval depends on the bank’s own checks.
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