Comprehensive Guide on BPCL SBI Octane Credit Card

[Virtual King]

Dear TF Family,

1. Infinia Void. I have Infinia Metal credit card, but it does not offer RPs on fuel transactions. As I do have substantial fuel transactions, therefore, there was a felt need to plug this void. Accordingly, I homed on to BPCL SBI Octane credit card which is offering maximum rewards of 6.25% on all fuel transactions (7.25% if you factor in the fuel surcharge waiver) at BPCL outlets, and some additional benefits.

2. Comprehensive Guide on BPCL SBI Octane Credit Card. During my research on Octane credit card, I came across numerous blogs, articles, forums, et al discussing the features of Octane credit card. So, I decided to compile a comprehensive guide on Octane based on open-source research and my own experiences of using the card since June 2024.

3. Contents of the Guide. The following aspects of Octane are covered:-
​

S No​	Topic​	Page No​
1.​	Background and Key Highlights	3​
2.​	Eligibility Criteria	4​
3.​	Welcome Benefits	4​
4.​	Fuel Benefits (25x) and Other Benefits (25x, 10x, 1x)	4-5​
5.​	Earning RPs – Value, Validity, Cappings, Exclusions	5-6​
6.​	Redeeming RPs – Options, Methods, Exclusions	7-8​
7.​	International and Forex Transactions	8​
8.​	Card Billing and Payments	9​
9.​	Disputed Transactions	9​
10.​	Late Payment Charges (LPC) and Other Charges	9-10​
11.​	Credit Limit (CL)	10​
12.​	Card Renewal, Loss and Add-on Cards	11​
13.​	Arbitration	11​
14.​	Flexipay Feature	11​
15.​	Miscellaneous Tips	11-15​
16.​	Customer Care, Contact Details and References	15-16​

4. References. Some important references used for compiling the guide are as under:-
* https://bharatpetroleum.in/blog/Blog-Detail.aspx?id=38
* https://cardinsider.com/sbi-card/bpcl-sbi-card-octane/​

* https://cardmaven.in/bpcl-sbi-credit-card-octane-review/
* https://desidime.com/discussions/need-info-regarding-sbi-bpcl-octane-reward-points
* https://financesrule.com/bpcl-sbi-card-octane-review/
* https://finwealthcare.com/2021/03/sbi-bpcl-octane-credit-card-benefits.html
* https://groww.in/credit-card/sbi-bpcl-octane-credit-card
* https://ifinancebox.com/bpcl-sbi-card-octane-credit-card/
* https://paisabazaar.com/credit-card/bpcl-sbi-card-octane-review/
* https://reddit.com/r/CreditCardsIndia/comments/ (various threads)
* https://sbicard.com/en/personal/credit-cards/travel/bpcl-sbi-card-octane.page
* https://sbicard.com/sbi-card-en/assets/docs/pdf/most-important-terms-and-conditions/mitc-english.pdf
* https://sbicard.com/sbi-card-en/assets/docs/pdf/ekit-tncs/BPCLOctanetnc.pdf
* https://sbicard.com/en/personal/visa-offers.page
* https://sbicard.com/en/personal/offers.page#all-offers
* https://select.finology.in/credit-card/sbi-bpcl-credit-card-octane
* https://technofino.in/sbi-bpcl-octane-credit-card-review/ (various threads)
* https://wishfin.com/bpcl-sbi-card-octane-6260/

5. Disclaimer. All the data in this guide has been sourced, collected and collated from open sources like various blogs, articles, threads, news, bank websites, etc. and/or through SBI customer care/personal experiences. These details/data may change from time to time. All information in this guide is for mere reference and user guidance only for BPCL Octane Credit Card users.

I am sharing my own perspectives through this thread and am also attaching the comprehensive guide on BPCL SBI Octane credit card in the PDF format for easy reference. I sincerely hope that it is of some use to the readers.

Best wishes. 🙂​

 

[flash_o_holic]

Thanks bro, it is very helpfull for me

 

[flash_o_holic]

I have a question for u...

Do a transaction with nfc mode from smartphone tap and pay gives 25x rp ?? or i have to carry the card everywhere.

 

[RAMESH BABU N]

@Virtual King

You did a great job.

 

[Harsha896]

Bhai ne bpcl card pe thesis banadi 😁

 

[nishank]

Renewal benefits are missing

 

[sumit_yadav]

Renewal benefits are missing

Renewal benefit is just paying the Annual Fees.

 

[Hemang]

Bhai recently i have been offered octane as add on card on simplyclick. FYF on rupay variant. Everyone kindly check for add on card offers. Other card offered was SimplySave.

 

[S U D O]

Will we get 10X RPs on UPI for Grocery, dining or departmental stores using the rupay BPCL Octane card??

 

[nh124001]

Bhai recently i have been offered octane as add on card on simplyclick. FYF on rupay variant. Everyone kindly check for add on card offers. Other card offered was SimplySave.

will it hit cibil hard enquiry?

 

[S U D O]

will it hit cibil hard enquiry?

i took last week. no cibil enquiry for me

 

[Hemang]

will it hit cibil hard enquiry?

No cibil hit brother

 

[SonyTom]

"No accelerated RPs for MCCs under Departmental Stores (MCC 5311), Grocery Stores
(MCC 5411) for merchants - Metro Cash & Carry and Walmart, Dining (MCC 5812,
MCC 5813, MCC 5814) and Movies/Entertainment (MCC 7832, MCC7922"

So the above mentioned mcc codes don't give 2.5%?
Recently I had swiped my bob premier at a restaurant. Got no RPs. Asked bob, they told it's mcc was 5814 which is in excluded category for bob - Fast food restaurants. But it was not a fast food joint.

Seems octane also won't give RPs at this restaurant

 

[VedKarma]

Dear TF Family,

1. Infinia Void. I have Infinia Metal credit card, but it does not offer RPs on fuel transactions. As I do have substantial fuel transactions, therefore, there was a felt need to plug this void. Accordingly, I homed on to BPCL SBI Octane credit card which is offering maximum rewards of 6.25% on all fuel transactions (7.25% if you factor in the fuel surcharge waiver) at BPCL outlets, and some additional benefits.

2. Comprehensive Guide on BPCL SBI Octane Credit Card. During my research on Octane credit card, I came across numerous blogs, articles, forums, et al discussing the features of Octane credit card. So, I decided to compile a comprehensive guide on Octane based on open-source research and my own experiences of using the card since June 2024.

3. Contents of the Guide. The following aspects of Octane are covered:-
​

S No​	Topic​	Page No​
1.​	Background and Key Highlights	3​
2.​	Eligibility Criteria	4​
3.​	Welcome Benefits	4​
4.​	Fuel Benefits (25x) and Other Benefits (25x, 10x, 1x)	4-5​
5.​	Earning RPs – Value, Validity, Cappings, Exclusions	5-6​
6.​	Redeeming RPs – Options, Methods, Exclusions	7-8​
7.​	International and Forex Transactions	8​
8.​	Card Billing and Payments	9​
9.​	Disputed Transactions	9​
10.​	Late Payment Charges (LPC) and Other Charges	9-10​
11.​	Credit Limit (CL)	10​
12.​	Card Renewal, Loss and Add-on Cards	11​
13.​	Arbitration	11​
14.​	Flexipay Feature	11​
15.​	Miscellaneous Tips	11-15​
16.​	Customer Care, Contact Details and References	15-16​

4. References. Some important references used for compiling the guide are as under:-
* https://bharatpetroleum.in/blog/Blog-Detail.aspx?id=38
* https://cardinsider.com/sbi-card/bpcl-sbi-card-octane/​

* https://cardmaven.in/bpcl-sbi-credit-card-octane-review/
* https://desidime.com/discussions/need-info-regarding-sbi-bpcl-octane-reward-points
* https://financesrule.com/bpcl-sbi-card-octane-review/
* https://finwealthcare.com/2021/03/sbi-bpcl-octane-credit-card-benefits.html
* https://groww.in/credit-card/sbi-bpcl-octane-credit-card
* https://ifinancebox.com/bpcl-sbi-card-octane-credit-card/
* https://paisabazaar.com/credit-card/bpcl-sbi-card-octane-review/
* https://reddit.com/r/CreditCardsIndia/comments/ (various threads)
* https://sbicard.com/en/personal/credit-cards/travel/bpcl-sbi-card-octane.page
* https://sbicard.com/sbi-card-en/assets/docs/pdf/most-important-terms-and-conditions/mitc-english.pdf
* https://sbicard.com/sbi-card-en/assets/docs/pdf/ekit-tncs/BPCLOctanetnc.pdf
* https://sbicard.com/en/personal/visa-offers.page
* https://sbicard.com/en/personal/offers.page#all-offers
* https://select.finology.in/credit-card/sbi-bpcl-credit-card-octane
* https://technofino.in/sbi-bpcl-octane-credit-card-review/ (various threads)
* https://wishfin.com/bpcl-sbi-card-octane-6260/

5. Disclaimer. All the data in this guide has been sourced, collected and collated from open sources like various blogs, articles, threads, news, bank websites, etc. and/or through SBI customer care/personal experiences. These details/data may change from time to time. All information in this guide is for mere reference and user guidance only for BPCL Octane Credit Card users.

I am sharing my own perspectives through this thread and am also attaching the comprehensive guide on BPCL SBI Octane credit card in the PDF format for easy reference. I sincerely hope that it is of some use to the readers.

Best wishes. 🙂​

Great work!!
Wasn't there circular by NPCI to equilise the rewards obtained from PoS vs UPI for rupay cc. Any Idea if bpcl octane will follow that for fuel?

 

[Hemang]

Bhaiyo today I used octane card for 1st time on BPCL pump. He had paytm pos machine, where he swiped the card for transaction. Is this the correct way of getting reward points ? Second query is tap pay is also counted as equivalent to swipe on POS by banks ?

 

[sumit_yadav]

Bhaiyo today I used octane card for 1st time on BPCL pump. He had paytm pos machine, where he swiped the card for transaction. Is this the correct way of getting reward points ? Second query is tap pay is also counted as equivalent to swipe on POS by banks ?

Keep the receipt with you and also get the receipt from the fuel pump that has the BPCL logo on it. This will ensure you to get the reward points that sometimes do not get credited and you will have to write an email attaching those receipts.

When they swipe, it is for the rewards redemption. Tap and Dip is for running the card for money that flies from your card to the merchant

 

[Hemang]

Keep the receipt with you and also get the receipt from the fuel pump that has the BPCL logo on it. This will ensure you to get the reward points that sometimes do not get credited and you will have to write an email attaching those receipts.

When they swipe, it is for the rewards redemption. Tap and Dip is for running the card for money that flies from your card to the merchant

Thik hai bhai receipt to le li mene. My other query was that POS machine pe credit card swipe karna and doing the same transaction with tapy & pay gives us the same result of reward points or not ?

 

[sumit_yadav]

Thik hai bhai receipt to le li mene. My other query was that POS machine pe credit card swipe karna and doing the same transaction with tapy & pay gives us the same result of reward points or not ?

Yes, you will get the rewards but still advisable to keeping track of the reward points.

हाँ, आपको इनाम (रिवॉर्ड्स) मिलेंगे, लेकिन फिर भी इनाम अंकों (रिवॉर्ड पॉइंट्स) पर नज़र रखना उचित है।

 

[SonyTom]

I got RPs and surcharge reversal at 2 nearby bpcl pumps. Both used Ongo pos machine. The receipt from the machine mentioned at the top- BPCL along with the name of the pump. (gst was not reversed)

At one pump, there was Paytm machine. I asked them not to use it. Have any of you guys used the paytm machine got points and surcharge reversal?

 

[SonyTom]

Bhaiyo today I used octane card for 1st time on BPCL pump. He had paytm pos machine, where he swiped the card for transaction. Is this the correct way of getting reward points ? Second query is tap pay is also counted as equivalent to swipe on POS by banks ?

Better do swipe or insert, then enter pin.
Tap I am not sure.
Do update here if you got RPs and surcharge reversal on the paytm pos machine