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Features of ICICI Bank BPCL Credit Card

  • Fuel Rewards and Savings: The ICICI Bank BPCL Octane Credit Card offers an impressive 25X reward points for every ₹100 spent on fuel at BPCL petrol pumps. This translates to a 6.25% value-back, as each reward point is valued at ₹0.25. Cardholders can earn up to 2,500 reward points per billing cycle on fuel transactions, making it an excellent choice for those who frequently refuel at BPCL outlets. This high reward rate ensures significant savings on recurring fuel expenses.
  • Welcome and Milestone Benefits: Upon paying the joining fee and activating the card, cardholders receive 6,000 bonus reward points, equivalent to ₹1,500. These points are credited within 30 days of fee payment and can be redeemed for fuel at BPCL outlets or other options via ICICI Bank’s rewards catalogue. This welcome bonus offsets the initial cost of the card, providing immediate value.
  • Rewards on Everyday Spending: Earn 10X reward points on dining, groceries, departmental stores, and movie tickets (capped at 7,500 points/month). Get 1X reward points on other retail purchases.
  • Travel and Lifestyle Perks: 4 complimentary domestic lounge visits per year (1 per quarter). Enjoy dining discounts through ICICI Bank's Culinary Treats Programme.
ICICI BPCL Octane Credit Card
    • Payment Flexibility: Convert purchases above ₹2,500 into EMIs with Flexipay. Transfer balances from other credit cards at lower interest rates. Pay utility bills and earn reward points.
    • Contactless Transactions: The card supports contactless payments, allowing cardholders to simply wave the card at secure readers for quick and convenient transactions. This feature is ideal for small-ticket purchases, reducing the need to handle cash or cards. The contactless technology includes a unique security key to prevent duplicate transactions, ensuring safety during use.
    • Flexipay for EMI Conversion: With Flexipay, cardholders can convert purchases of ₹2,500 or more into easy monthly installments. This feature must be activated within 30 days of the transaction by logging into the ICICI Bank portal. Flexipay offers a flexible repayment option at a reasonable interest rate, making large purchases more manageable.
    • Culinary Treats Programme: Cardholders can participate in ICICI Bank’s Culinary Treats Programme, which provides exclusive dining discounts at participating restaurants across India. This programme covers a wide range of cuisines, enhancing the dining experience with savings on bills. Details of participating restaurants are available on ICICI Bank’s website, making it easy to plan culinary outings.
    • Balance Transfer on EMI: The card allows cardholders to transfer outstanding balances from other banks’ credit cards to the ICICI Bank BPCL Octane Credit Card at a lower interest rate, repayable in EMIs. This feature, accessible via the ICICI Bank website, helps consolidate debt and reduce interest costs, providing financial flexibility.
    • Security Features: Embedded microchip for secure transactions. ₹1 lakh fraud liability cover. Contactless payment capability (Visa payWave).
    • Global Acceptance: Accepted at over 24 million outlets worldwide. Low forex markup fee of 1.5% on international transactions.
    • Add-On Cards: Get add-on cards for family members at no additional fee. Supplementary cardholders can earn reward points on their spends.
    • Annual Fee Waiver: Annual fee of ₹1,499 + GST waived if you spend ₹2 lakh or more in the previous year.
    • Reward Redemption: Redeem points instantly for fuel at BPCL outlets (1 point = ₹0.25). No redemption fee for fuel transactions.
    • BPCL Partnership Benefits: Special rewards on Bharat Gas and lubricant purchases through BPCL website/app.
    • Fuel Redemption at BPCL Outlets: Reward points can be redeemed instantly for fuel purchases at eligible BPCL outlets, with each point valued at ₹0.25. This direct redemption option is convenient for cardholders who prioritize fuel savings, as it eliminates the need for additional steps.
    • Versatile Redemption Catalogue: In addition to fuel, reward points can be redeemed through ICICI Bank’s Shop and Smile Rewards Catalogue, which includes products, vouchers, and cashback options. Cardholders can access the catalogue via the ICICI Bank portal or mobile app, offering flexibility to use points for lifestyle or financial benefits.
    • Family Add-On Cards: Primary cardholders can apply for add-on cards for family members, including parents, spouses, siblings, or children above 18 years, at no additional annual fee. Add-on cards share the same credit limit and reward benefits, allowing families to consolidate spending and earn rewards faster.
    • Nominal Fees: The joining and annual fee of ₹1,499 is competitive for a card with such extensive benefits. The potential for an annual fee waiver and the welcome bonus further enhance its value, making it accessible to a wide range of users.
ICICI BPCL Octane Benefits

Benefits of ICICI Bank BPCL Credit Card

  • Fuel-Related Benefits: One of the standout features of the ICICI Bank BPCL Octane Credit Card is its impressive value-back on fuel purchases at BPCL petrol pumps. Cardholders can enjoy up to 7.25% value-back on fuel transactions, which is a combination of reward points and a fuel surcharge waiver. Specifically, the card offers 25X reward points for every ₹100 spent on fuel, lubricants, and Bharat Gas (via the BPCL website or app), translating to a 6.25% reward rate (with each reward point valued at ₹0.25). This high reward rate is capped at 2,500 reward points per billing cycle, ensuring significant savings for those with substantial fuel expenses.
  • Travel Perks: The ICICI Bank BPCL Octane Credit Card offers 4 complimentary domestic lounge visits per calendar year, with a maximum of 1 visit per quarter. This benefit is a significant value-add for frequent travelers, providing access to comfortable airport lounges across major cities in India. Lounge access includes amenities like free Wi-Fi, refreshments, and a relaxing environment, enhancing the travel experience for cardholders. This perk is particularly notable for a card with a relatively modest annual fee, making it a competitive offering in the fuel credit card segment.
    • Accelerated Rewards on Everyday Spending: Earn 5X reward points (up to 5,000 points/month) for every ₹100 spent on groceries, departmental stores, movies, and dining. Ideal for household and lifestyle expenses.
    • 2 Reward Points on Non-Fuel Purchases: Earn 2 points per ₹100 spent on all other retail transactions except fuel, ensuring steady reward accumulation across categories.
    • 1 Reward Point on Utility & Insurance Payments: Get rewarded even for essential expenses like electricity bills and insurance premiums.
    • Entertainment Discounts: Enjoy 25% off (up to ₹100) on movie tickets via BookMyShow or INOX, twice per month on each platform—up to ₹400 monthly savings.
    • Culinary Treats Dining Program: Minimum 15% off at 800+ partner restaurants across India through ICICI Bank’s exclusive dining program.
    • Lifetime Free Credit Card: No annual fee ever—ideal for cost-conscious customers looking to enjoy premium benefits without yearly charges.
    • EMI Conversion Facility: Convert large purchases into EMIs through iMobile or internet banking with flexible tenure options.
    • Loan on Card: Access instant loans against your credit limit without separate applications, offering easy liquidity.
    • Contactless Payments: Tap-and-pay for faster, secure transactions at contactless-enabled POS machines.
    • Enhanced Security: Chip-enabled card with PIN authentication and ₹1 lakh fraud protection in case of loss or misuse.
    • Credit Card Protection Plan: Block the card quickly in case of theft or loss and prevent unauthorized transactions.
    • Visa Lifestyle Benefits: Enjoy exclusive Visa offers at spas, retail stores, and dining outlets globally.
    • UPI Compatibility: Link the card to UPI-enabled apps and make QR-based payments for added convenience.
    • Flexible Reward Redemption: Redeem reward points for vouchers, merchandise, and even cashback via the ICICI Rewards Portal.
    • Simple Eligibility & Easy Application: Apply online or offline with basic documents—ideal for new credit card users.
    • Perfect for Beginners: Lifetime free, low eligibility threshold, and great rewards make it ideal for first-time cardholders.
    • Comparison Advantage: Offers similar fuel benefits to BPCL SBI Card but with no annual fee and more non-fuel rewards—great for all-around usage.
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How to Apply for ICICI Bank BPCL Credit Card

  • 1. Online Application
    • Visit the official ICICI Bank website > Go to "Credit Cards" > Choose "BPCL Credit Card" > Click "Apply Now".
    • Enter personal, employment, and income details accurately.
    • Upload scanned documents in PDF/JPEG (max size: 5 MB).
    • Submit the application and save the application reference number to track status.
  • 2. Offline Application
    • Visit the nearest ICICI Bank branch and request a credit card application form.
    • Fill out the form and attach photocopies of KYC and income documents (carry originals for verification).
    • Submit the form to the bank executive. Processing may take 7–21 days.
  • 3. Through Relationship Manager
    • Existing ICICI Bank customers can contact their relationship manager for faster application support.
    • Pre-approved customers may receive instant approval and quicker card dispatch.
  • 4. Document Verification & Approval
    • The bank will verify your documents and assess credit eligibility.
    • Pre-approved profiles may get real-time approval.
    • Standard processing time for new applicants is 7–14 working days.
  • 5. Track Application Status
    • Visit ICICI’s official website > "Track Credit Card Application".
    • Enter your application reference number, PAN, or mobile number.
    • Alternatively, call customer care at 8885545255 for updates.
  • 6. Activation
    • Use any of the following methods to activate the card:
      • iMobile Pay App
      • Internet Banking
      • ICICI Bank ATM
      • Customer Care IVR
    • Generate and set your PIN to start using the card.

Eligibility Criteria for ICICI Bank BPCL Octane Credit Card

  • 1. Income Requirements
    • Salaried: Minimum monthly income of ₹25,000 (₹3,00,000 annually)
    • Self-Employed: ITR reflecting ₹3,00,000+ annual income
  • 2. Credit History
    • CIBIL Score: Minimum 700 or higher
    • No payment defaults in last 12 months
  • 3. Age Criteria
    • Primary Cardholder: 21-60 years
    • Supplementary Cardholder: Minimum 18 years
  • 4. Residency
    • Indian residents or NRIs with Indian address
  • 5. ICICI Bank Relationship
    • Preferred if holding ICICI Bank account or other ICICI credit cards
    • Existing ICICI credit card holders may get higher credit limits
  • 6. Annual Fees Payment
    • The applicant must be willing to pay the applicable annual fee of ₹1,499, or it should be waived based on spending criteria.
  • 7. Employment Stability
    • Salaried: Minimum 1 year with current employer
    • Self-Employed: Business running for at least 2-3 years
  • 8. Documentation Readiness
    • Must have Aadhaar, PAN, and address proof ready
  • 9. Credit Utilization
    • Low credit utilization (<30%) preferred
  • 10. Previous Credit Card Rejections
    • Multiple recent rejections may affect approval chances
  • 11. Debt-to-Income Ratio
    • EMIs should not exceed 50% of monthly income
  • 12. Bank Account Type
    • Savings or salary account with ICICI Bank is preferred
  • 13. Proof of Employment
    • Salary slip, appointment letter, or Form 16 for salaried
    • Business registration or GST for self-employed
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Documents Required for ICICI Bank BPCL Octane Credit Card

  • 1. Identity Proof (Submit Any One)
    Required for KYC compliance and applicant identification. Accepted documents include:
    Aadhaar Card: Must be linked to a registered mobile number for OTP verification.
    PAN Card: Mandatory for all credit card applications in India.
    Passport: Valid Indian passport, not nearing expiry; serves as both identity and address proof if applicable.
    Voter ID Card: Issued by the Election Commission of India.
    Driving License: Valid and issued by the RTO, listing current address.
    NREGA Job Card: For eligible applicants under the National Rural Employment Guarantee scheme.
    All copies should be clear, self-attested, and originals must be presented during in-person or video KYC.
  • 2. Address Proof (Submit Any One)
    Confirms your current residence for card delivery and communication. Accepted documents include:
    Aadhaar Card: If the address matches your current residence.
    Utility Bills: Recent electricity, gas, water, or telephone bill (not older than 3 months).
    Passport: With your current address listed.
    Voter ID Card: If address is up to date.
    Driving License: If it lists your current address.
    Ration Card: Including your name and current address.
    Bank Statement: Issued in the last 3 months, showing your address.
    Rental Agreement: Registered lease agreement and landlord's utility bill, if applicable.
  • 3. Income Proof (As Applicable)
    Verifies financial capacity for credit repayment. Requirements vary for salaried and self-employed applicants:

    For Salaried Applicants:
    Latest 3 months’ salary slips, showing employer name and monthly income.
    Latest Form 16 issued by employer.
    Bank statements for the last 3 months, reflecting salary credits.
    Employment certificate may be requested for verification.

    For Self-Employed Applicants:
    Last 2 years' Income Tax Returns (ITRs) with income computation showing ₹3,00,000+ annually.
    Last 6 months’ bank statement reflecting business transactions.
    Audited Balance Sheet and Profit & Loss Statement certified by a CA.
    Business proof (GST registration, Shop Act license, or professional license).
  • 4. Supplementary Documents (If Required)
    Additional documents may be requested based on application mode or applicant profile:
    Two recent passport-sized photographs.
    Filled and signed ICICI Credit Card Application Form.
    Existing ICICI Bank account proof (passbook or statement) for relaxed income criteria.
    FD receipt if applying against a fixed deposit.
    Add-on cardholder’s identity and age proof (18+ years).
  • 5. Notes for Online and Offline Applications
    Online Application:
    Submit scanned copies in PDF/JPEG format (2–5 MB per file).
    Aadhaar-linked mobile number for OTP-based e-KYC.
    Stable internet for video KYC.
    Offline Application:
    Carry self-attested photocopies and originals to ICICI Bank branch.
    Bank staff may assist with form filling and verification.

Factors Considered for ICICI Bank BPCL Credit Card Approval

  • 1. Income Level
    Minimum ₹25,000 monthly income for salaried or ₹3,00,000 annual income for self-employed.
    Higher income increases approval chances and may lead to higher credit limits.
  • 2. Credit Score and History
    A CIBIL score of 750 or higher is preferred for approval.
    No defaults or late payments in the past 12 months improve your credibility.
  • 3. Existing ICICI Bank Relationship
    Existing customers (with savings accounts, loans, or cards) may receive quicker approvals.
    Demonstrates loyalty and stable financial association with the bank.
  • 4. Employment Stability
    Salaried individuals should have at least 1 year with their current employer.
    Self-employed applicants should have a business running for at least 2–3 years.
  • 5. Debt-to-Income Ratio
    Monthly EMIs and credit obligations should not exceed 50% of total monthly income.
    Lower DTI indicates better repayment capacity.
  • 6. Age
    Applicants must be between 21 and 65 years for the primary card.
    Supplementary cardholders should be at least 18 years old.
  • 7. Nationality and Residency
    The card is available to Resident Indians with a permanent address.
    NRIs may apply if they have an Indian address and verifiable income.
  • 8. KYC Compliance
    Full Know Your Customer (KYC) documentation is mandatory for all applicants.
    Aadhaar and PAN must be up to date and linked.
  • 9. Employment Type
    Preference given to government employees, PSU workers, and reputed private sector employees.
    Start-up employees may undergo stricter scrutiny.
  • 10. City of Residence
    Applicants from metro cities or Tier-1 locations may have higher approval chances.
    Some remote or high-risk locations may face restrictions.
  • 11. Credit Utilization
    Using less than 30% of your current credit limit across all cards shows responsible usage.
    High utilization can impact your credit score negatively.
  • 12. Loan Repayment Track Record
    Consistent repayment of loans (personal, education, car) reflects creditworthiness.
    Missed EMIs or settlements may reduce approval chances.
  • 13. Existing Credit Cards
    Having other credit cards with good repayment history is a positive factor.
    Too many open cards may raise risk concerns.
  • 14. Recent Hard Inquiries
    Multiple credit applications in a short span may signal credit-hungry behavior.
    Keep inquiries limited within a 3–6 month window.
  • 15. Address Stability
    Staying at the same address for over a year indicates stability.
    Frequent changes may raise red flags during verification.
  • 16. Email and Mobile Number Validity
    Active mobile number and email address are required for OTPs and communications.
    Invalid or unreachable contacts may delay or reject applications.

Frequently Asked Questions (FAQs)

1. What are the benefits of the ICICI Bank BPCL Credit Card?
Earn accelerated rewards on BPCL fuel purchases.
Get waiver on fuel surcharge.
Avail discounts at BPCL petrol pumps and partner outlets.
Redeem reward points for BPCL fuel vouchers or other options.
2. How much fuel surcharge waiver do I get?
Typically, you get a 1% fuel surcharge waiver (subject to a minimum and maximum transaction limit, e.g., ₹400–₹5,000 per transaction).
3. What is the reward rate on BPCL fuel purchases?
You can earn up to 4.25% back as reward points (varies based on card variant and spending).
4. Are there any annual fees for this card?
Some variants (like BPCL Coral or BPCL Octane) may have an annual fee, but it is often waived off on meeting spending criteria (e.g., ₹50,000/year).
5. Where can I use this card apart from BPCL petrol pumps?
You can use it anywhere Visa/Mastercard is accepted, including shopping, dining, and online purchases.
6. How do I redeem my reward points?
Points can be redeemed via ICICI Bank’s rewards portal for BPCL fuel vouchers, gift vouchers, or other options.
7. Does the ICICI BPCL Credit Card offer any joining benefits?
Some variants offer welcome benefits like bonus reward points or fuel vouchers upon first use.
8. Is there an interest-free period on this card?
Yes, like most credit cards, it comes with an up to 50-day interest-free period if the bill is paid in full.
9. How can I check my reward points balance?
Log in to ICICI Internet Banking/Mobile App or check your monthly statement.
10. What should I do if my card is lost/stolen?
Immediately block the card via ICICI’s 24x7 customer care or through the mobile app and request a replacement.

List of ICICI Bank BPCL Credit Card Telangana Branches

  • Telangana (Kamareddy)
  • Telangana (Karimnagar)
  • Telangana (Khammam)
  • Telangana (Kodad)
  • Telangana (Kothagudem)
  • Telangana (Mahabubabad)
  • Telangana (Mancherial)
  • Telangana (Medak)
  • Telangana (Miryalaguda)
  • Telangana (Nalgonda)
  • Telangana (Nirmal)
  • Telangana (Nizamabad)
  • Telangana (Ramagundam)
  • Telangana (Sangareddy)
  • Telangana (Shadnagar)
  • Telangana (Siddipet)
  • Telangana (Sircilla)
  • Telangana (Suryapet)
  • Telangana (Tandur)
  • Telangana (Warangal)
  • Telangana (Zaheerabad)