VISA
SState Bank of India
BPCL SBI Card Octane
Joining₹1.5K
Annual₹1.5K/yr
Reward1%
Credit
- 13X reward points on BPCL fuel spends
- 2X reward points on dining, movies & grocery
- 1X reward point per ₹100 on other spends
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State Bank of IndiaVISA
SBI Cashback Credit Card
CashbackEntryVisaMastercard
SBI Cashback Credit Card
Flat cashback for everyday spenders
Annual fee₹999Waived on ₹2.0L spend
Rewards1%Cashback
Forex markup3.5%3.5% on all foreign currency transactions
Secure · Free · No spam calls
Independent comparison platform. Not affiliated with State Bank of India. Full disclaimer
Rewards
- • Reward Points are valid for a period of 24 months (for all cards except AURUM). For AURUM, Reward Points never expire.
- • Redemption fee: ₹99
Lounge access
Domestic
0visits / year
International
Not included
Fees & charges
- Joining fee
- ₹999 + taxes
- Annual / renewal fee
- ₹999 + taxes from second year onwards
- Annual fee waiver
- Renewal Fee is reversed if annual spends for last year >= ₹2,00,000
- Add-on card fee
- Nil
- Interest rate
- Finance Charges: 3.75% p.m. (45% p.a.) for unsecured cards; 2.75% p.m. (33% p.a.) for Shaurya, Defence Cards and Secured cards. Minimum Finance Charges ₹25
- Interest-free period
- 50 days
- Cash advance fee
- 2.5% of transaction amount (subject to a minimum of ₹500)
- Overlimit fee
- 2.5% of the overlimit amount that exceeds the credit limit or ₹600, whichever is higher, will be levied. Overlimit Fee will be levied only once per billing cycle.
- Payment dishonour
- In case of a Payment Dishonor, cardholder will be charged payment dishonor fee of 2% of Payment Amount subject to minimum charges of ₹500
- Forex markup
- 3.5% on all foreign currency transactions
- DCC markup
- 3.50%
- Reward redemption
- ₹99 per redemption
- Fuel surcharge
- 1% waiver, on ₹500–₹3000 txns, max ₹100/cycle
Late payment
| Outstanding amount | Late fee |
|---|---|
| ₹0 – ₹100 | ₹0 |
| ₹101 – ₹500 | ₹100 |
| ₹501 – ₹1,000 | ₹500 |
| ₹1,001 – ₹10,000 | ₹750 |
| ₹10,001 – ₹25,000 | ₹950 |
| ₹25,001 – ₹50,000 | ₹1,100 |
| Above ₹50,001 | ₹1,300 |
Eligibility
- Age
- 18+ years
Features
✓ Contactless✓ International usage
Additional features
- utility_bill_payment
- balance_transfer_emi
No rewards on
Utilities · Insurance · Fuel · Rent · Wallets · Education · Jewellery · Railways
Is this card worth it for you?
₹10,000₹5,00,000
0% of spend100% of spend
Remaining 80% of spend earns the 1% base rate.
Rewards / year
₹10,800
≈ 1.80% effective
Annual fee
₹0 (waived)
waived at ₹2,00,000/yr spend
Net steady-state return
+₹10,800/year
Strong fit at this spend
At ₹50,000/month, rewards outrun the fee by ₹10,800 a year.
One-time joining fee (year 1 only): ₹999
One-time welcome benefit — Welcome gift conditional on annual-fee realization; value only in image-only brochure (not extractable)
Based on published rates as of 2026-08-07. Rewards estimates, not guarantees.
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State Bank of India is no longer accepting applications for this card.
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