SBI Card · Entry
SBI BPCL Octane
Where it ranks across all 187 cards
#2 Fuel
6.3%
at BPCL pump
direct
#24 Dining out
2.5%
direct
#28 Groceries
2.5%
direct
#31 Movies & events
2.5%
direct
#78 Insurance
0.3%
direct
#87 Education
0.3%
direct
#91 Utility bills
0.3%
direct
#120 Gaming
0.3%
direct
#121 Jewellery & watches
0.3%
direct
#132 Mobile / broadband
0.3%
direct
#144 Train tickets
0.3%
direct
#151 Cabs & transit
0.3%
direct
#159 Flights
0.3%
direct
#159 Hotels
0.3%
direct
#159 Health & pharmacy
0.3%
direct
#159 Other
0.3%
direct
#160 Electronics
0.3%
direct
#163 Food delivery
0.3%
direct
#163 Fashion
0.3%
direct
#164 Online shopping
0.3%
direct
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Points valued at ₹0.25/pt - conservative, what rankings use
Reward rules3 direct
Base rate - everything not covered below
0.25%base rate
1 pt / ₹100
source
Source: BPCL SBI Card Octane page (sbicard.com; fee ₹1,499 waived on ₹2L annual spends per KFS) - sbicard.com - read 22 Aug 2026
25X at BPCL pumps (6.25% + 1% surcharge waiver)
6.25%this rule
25 pts / ₹100
how it works & source
2,500 pts/month cap on BPCL earn; ₹4,000 max fuel txn for surcharge waiver.
Source: SBI BPCL Octane T&C - sbicard.com - read 20 Aug 2026
10X dining/movies/grocery
2.50%this rule
10 pts / ₹100
source
Source: SBI BPCL Octane T&C - sbicard.com - read 20 Aug 2026
Percentages here are each rule's own rate.
The card's single headline is the best of the direct rules only - selectable packs, capped-base rows and
portal/voucher routes above are shown for completeness but never set it.
Earns nothing on3 exclusions
Rent
earns nothing
Rent earns nothing w.e.f.
→ use Axis Burgundy Private here (5.2%)
detail & source
15 Apr 2024.
categories: Rent · MCCs: 6513
Source: BPCL SBI Card OCTANE T&C e-kit (bank PDF) - sbicard.com - read 22 Aug 2026
Wallet load
earns nothing
E-wallet loads excluded w.e.f.
→ use SC Ultimate here (3.3%)
detail & source
1 Jul 2020. Note: non-BPCL petrol pumps earn no points (category wording, no codes); BPCL earns via the 25X rule. No government exclusion is published for this card.
categories: Wallet load · MCCs: 6540, 6541
Source: BPCL SBI Card OCTANE T&C e-kit (bank PDF) - sbicard.com - read 22 Aug 2026
EMI
earns nothing
Flexipay and Merchant EMI excluded.
→ use Kotak Solitaire Credit Card here (3.0%)
detail & source
categories: EMI
Source: BPCL SBI Card OCTANE T&C e-kit (bank PDF) - sbicard.com - read 22 Aug 2026