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| Monthly Spend | ₹5K | ₹10K | ₹20K | ₹50K | ₹100K |
|---|---|---|---|---|---|
| Net Reward Yield | (-1.3%)^ | 0.0% | 1.2% | 1.4% | 1.3% |
| Est. Monthly Reward (₹) | (70) | (5) | 230 | 700 | 1,275 |
| All-India Rewards Rank* | 243 | 230 | 54 | 64 | 78 |
| Within Bank Rank* | 32 | 31 | 9 | 25 | 26 |
| * Based on est. net reward yield for nearly 400 credit cards in India, for each monthly spending level. Read about how we calculate the net reward yield here.
^The negative figure means at this level of monthly spends, the rewards earned in a year will be worth less than the annual fee. |
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The BPCL SBI Card OCTANE gives 6.25% effective rewards on fuel and products at BPCL Pumps, 2.50% on dining, grocery & entertainment and 0.25% on all other spending.
Overall, we estimate you can earn a net reward yield of 1.2-1.4% on monthly spending above ₹20,000 with this card.
The CASHBACK SBI Card is the best credit card for most SBI Card customers. We estimate it offers an average net reward yield of 1.9-2.3% on all your spending.
The SBI Unnati Credit Card is the best entry level card, if you spend less than ₹10,000 . It offers a net reward yield of 0.3-1.1% with this card on all your spending.
Our list of the best credit cards in India, at every spending level and from every bank, is here. You can find a detailed discussion of our methodology here.
| Card | BPCL SBI Card OCTANE |
|---|---|
| Card Type | Reward |
| Reward Features | 25 Rewards / ₹100 on: – BPCL Fuel – Lubricants – Bharat Gas 10 Rewards / ₹100 on: 1 Rewards / ₹100 on all other spends |
| Milestone Rewards | E-Gift Vouchers of ₹2,000 from Aditya Birla Fashion Or Yatra Or Bata/Hush Puppies on annual spends ₹3 Lacs |
| Other Rewards | – 1 Complimentary Domestic Airport Lounge Visits / Qtr |
| Rewards Redemption Fee | ₹99 |
| Reward Caps | – 7,500 reward points on Dining, Departmental Stores, Grocery & Movies
– 500 reward points on Bharat Gas |
| Preferred Redemption Method | Instant redemption at 1,200+ BPCL Petrol Pumps 1RP=₹0.25 |
| Card | BPCL SBI Card OCTANE | |
|---|---|---|
| Joining Fee | ₹1,499 + Taxes | |
| Annual Fee | ₹1,499 + Taxes | |
| Min. Annual Credit Card Spend for Fee Waiver |
₹2 Lacs | |
| Income Criteria | Salaried | N/A |
| Self-employed | N/A | |
| Supplementary Card Fee | Free | |
| Interest Rate | 42.00% | |
| Foreign Currency Markup | 3.50% | |
| Cash Advance Charge | 2.50% with a minimum of ₹500 | |
Questions? Suggestions? See a mistake? Write to us!
Our analysis of 100s of flights shows that miles from international airlines are worth much less in India that they are globally, between 16-54% less. Their value in India is between ₹0.50/mile for the Etihad to ₹0.80/mile for BA & SQ.
2 Free Movie / Stream / Play / Events / Sports / Activities tickets up to ₹250 each and ₹100 off on F&B Spends on BookMyShow tickets.
8 reward points / ₹400 on bill payments & education and 1 point on all other spends. Fuel surcharge waiver of up to ₹100 per month.
