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Comprehensive Guide on BPCL SBI Octane Credit Card

Virtual King

TF Buzz
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. 🙂
 

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Last edited:
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?
I also said same thing, he said fleet card can be used on BPCL machine and reward points redemption. Credit card needs to be swiped on paytm pos machine only.
Points immediately credit ho jate hai kya as and when transaction gets settled ?
 
I also said same thing, he said fleet card can be used on BPCL machine and reward points redemption. Credit card needs to be swiped on paytm pos machine only.
Points immediately credit ho jate hai kya as and when transaction gets settled ?
Got 25x RPs on 2nd or 3rd day.

Do update if you get 25x RPs after you swiped your octane card on Paytm machine
 
Recently I got upgrade to sbi bpcl octane,
Question is does upi spends also count for annual milestones and fee reversal on spending 2 lakh.
I think it will count for milestone because they have not mentioned any specific method of payment to achieve milestone.

But to get RPs, UPI may not work
 
Posting to confirm that I got points on swiping octane on Paytm machine. Got the surcharge reversal too.

Have one doubt regarding setting limit in the SBI Card app.
Under the "Set your spend limit", it says
"Set your usage limit for the billing cycle"
Is the limit we set really for the billing cycle? Most cards have a limit for the day, or ask if the limit is for the day or the month.
Have kept a limit of ₹5000 now thinking its daily since anyway I am not going to fuel up for more than ₹4000. But if it's monthly, then I have to increase limit. Don't want to get a card decline while refueling in a hurry. So asking here. Otherwise I would have tried myself.
 
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.
This is just awesome 😍 we need such reference for every card. That is the dream.
Good job!!!
 
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