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. 🙂​

 

[SonyTom]

Can you please try tap on the next fueling, I will try swiping and let you know.

It's read somewhere that only swipe (insert) gives reward points with BPCL Octane. So not risking it.

Even with insert transactions, I have not received bonus points and surcharge reversal for 2 transactions (₹500 at Pump A and ₹1000 at Pump B) in this 1 month. I had got reward points and surcharge reversal at these 2 pumps one week back. But the POS was different at that time. So will have to email customer care I guess. Thankfully I have the receipt from the POS with me.

 

[Hemang]

SBI BPCL OCTANE gives 6.25% reward points along with 1% fuel surcharge wevier on Tap&Pay Transaction.Personally verified multiple times as I always paid via Tap&Pay method at BPCL fuel station.

Rather for this purpose only I have changed my Rupay network to Visa network.

Hopefully this will solve the confusion.

rupay se visa karvane me kya fayda hua bhai ?

 

[flash_o_holic]

rupay se visa karvane me kya fayda hua bhai ?

As per my requirement Visa serves me better.As for my own usage I used Tap&Pay through my phone and I gave this card to my parent's for their usage.

I prefer Tap&Pay now, as carrying a card everywhere with you in your wallet and that to a fuel only card is a hassle.

I prefer to carry better rewarding cards in my wallet for daily usage.

Rupay has more benefits but it doesn't support Tap&Pay, which is what I need in a fuel card.

So It's what it is.Everyone has their own use case.

 

[Hemang]

As per my requirement Visa serves me better.As for my own usage I used Tap&Pay through my phone and I gave this card to my parent's for their usage.

I prefer Tap&Pay now, as carrying a card everywhere with you in your wallet and that to a fuel only card is a hassle.

I prefer to carry better rewarding cards in my wallet for daily usage.

Rupay has more benefits but it doesn't support Tap&Pay, which is what I need in a fuel card.

So It's what it is.Everyone has their own use case.

BPCL rupay octane card hai mere pas, app me to option hai contactless ka, vo kaam nahi karta kya fir ?

 

[chicako]

I have always been charged ₹10 per transaction, I have a rupay card but I pay by tap. I have most of the receipts.
Also, I am unable to login to sbi cards app or website since yesterday, the app "gives can't reach the server" error and the website gives " Sorry, you can't avail this service at the moment. Please try again later or call the SBI card helpline at phone no".
Are you able to login via app and the website?

App me to ho raha hai login, no issues. Tap pay se bhi reward points 6.25% mil rhe hain bhai apart from fuel surcharge waiver bhai ?

Ha, tap and pay se bhi 6.25 % reward points mil rahe hai with 1% surecharge waiver. I have compiled a little transaction summary. I am being charged ₹10 per transaction.

 

[chicako]

As per my requirement Visa serves me better.As for my own usage I used Tap&Pay through my phone and I gave this card to my parent's for their usage.

I prefer Tap&Pay now, as carrying a card everywhere with you in your wallet and that to a fuel only card is a hassle.

I prefer to carry better rewarding cards in my wallet for daily usage.

Rupay has more benefits but it doesn't support Tap&Pay, which is what I need in a fuel card.

So It's what it is.Everyone has their own use case.

I have a rupay card maybe that's why I was unable to add it to Samsung pay on the galaxy watch.

 

[chicako]

BPCL rupay octane card hai mere pas, app me to option hai contactless ka, vo kaam nahi karta kya fir ?

rupay se contactless kam karta hai credit card se, par card add nai hota gpay, samsung pay etc. me contactless payment ke liye.

 

[S U D O]

Ha, tap and pay se bhi 6.25 % reward points mil rahe hai with 1% surecharge waiver. I have compiled a little transaction summary. I am being charged ₹10 per transaction.

For this Rs 511.78 trx, how much amount of fuel did you buy. Rs 500?

 

[Hemang]

Ha, tap and pay se bhi 6.25 % reward points mil rahe hai with 1% surecharge waiver. I have compiled a little transaction summary. I am being charged ₹10 per transaction.

Ok mere bhai. Me krke dekhta hu tap pay iss baar.

 

[flash_o_holic]

Also rupay

BPCL rupay octane card hai mere pas, app me to option hai contactless ka, vo kaam nahi karta kya fir ?

Contactless and Tap&Pay different h.

Contactless transaction supported by both Visa and RuPay which is done through your credit card.

But Tap&Pay is only support by Visa as it requires tokenization to save the card details in your phone (Gpay or Cred etc etc.) and rupay don't support card tokenization to resister it in phone.

 

[Hemang]

Also rupay

Contactless and Tap&Pay different h.

Contactless transaction supported by both Visa and RuPay which is done through your credit card.

But Tap&Pay is only support by Visa as it requires tokenization to save the card details in your phone (Gpay or Cred etc etc.) and rupay don't support card tokenization to resister it in phone.

Bhai to jo POS machine pe hum touch karke payment karte hain credit card se vo hoga rupay octane BPCL se ya nahi ? Aur agar hoga to uspe points aayenge ya nahi ? This way of paying comes under contactless payments using NFC ?

 

[chicako]

For this Rs 511.78 trx, how much amount of fuel did you buy. Rs 500?

I filled petrol worth ₹511.78 and was charged ₹521.78 and received ₹5.11 as surcharge reversal. You can match the dates on the transaction alert email (actual fuel amount) and the statement (surcharge amount) to get a detailed overview of the actual fuel amount and the surcharge and the surcharge reversal.

 

[S U D O]

@Virtual King
you missed to add an important point in the guide -
Only 1 RP per Rs100 on all UPI transactions except Fuel

I have been getting the above reward rate for UPI trx using my Rupay BPCL Octane

 

[Hemang]

@Virtual King
you missed to add an important point in the guide -
Only 1 RP per Rs100 on all UPI transactions except Fuel

I have been getting the above reward rate for UPI trx using my Rupay BPCL Octane

0.25% ka return rate. Icici rubyx 0.5% deta hai return. Jabse tata infinity ne 500 ki capping kri hai tbse icici rubyx ka hi Sahara hai if we are going to spend more than 33,000 rupees in a statement cycle.

 

[anirban09]

@Virtual King
you missed to add an important point in the guide -
Only 1 RP per Rs100 on all UPI transactions except Fuel

I have been getting the above reward rate for UPI trx using my Rupay BPCL Octane

Not all. UPI at fast food stalls, sweet shops, roadside grocery shops (dining and departmental store MCC) reflect 10 RP per ₹100. (2.5% return)

Yesterday paid zepto with octane card. Got 10X RP.

 

[S U D O]

UPI at fast food stalls, sweet shops, roadside grocery shops (dining and departmental store MCC) reflect 10 RP per ₹100. (2.5% return)

Can you show any instances ?

This is my case


3 non UPI trx of Flipkart, zepto and zepto earned 60, 30, and 40 respectively
Rest at 1 RP per 100. And few of these trx clearly are from roadside stalls and grocery shops (hopefully correct mcc)

Let me know if i am wrong here
(if flipkart grocery gave wrong MCC (lets say -apparel) then possible that I got 1 RP per 100 on that so the calculation might change)

 

[flash_o_holic]

View attachment 82708

Bhai to jo POS machine pe hum touch karke payment karte hain credit card se vo hoga rupay octane BPCL se ya nahi ? Aur agar hoga to uspe points aayenge ya nahi ? This way of paying comes under contactless payments using NFC ?

1. yes, card se touch karke jo aap contactless payment karte ho, wo rupay and visa both me work karega.



2. yes, aap card se contactless transaction karne par aapko points v milega.



3. yes, this comes under contactless payment using nfc through your card but note that it's not same as that of contactless payment using nfc through your phone.



Basically, aapka card ka details tokenization k sath aapko milta h physically (in physical card), isiliye aap card ko physically use kar pa rahe ho for contactless transaction.



But if u want to use this feature through a smartphone, to aapko aapka card details ko tokenization karna padega inside the phone using any application who provide this feature like gpay, cred, even sbi card application etc etc. But to note that this tokenization to your smartphone is currently only supported by Visa and MasterCard.Rupay don't have this feature to tokenize it's issued card to a smartphone. And that's the reason why u can't use it through your smartphone.



Also u can try with your RuPay cards to check this.

 

[COmM4nDer]

How to get it as a 3rd sbi card. Online sprint website has declined my request 3 times & had to wait 90 days each time to apply again.

 

[anirban09]

Can you show any instances ?

Showing 3 months old statement as it contains only few transactions.

 

[S U D O]

Showing 3 months old statement as it contains only few transactions.
View attachment 82775

10x for Reliance Retail Ltd as well? Was it Reliance fresh or smart bazaar or online?
MCC?