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Features of the HDFC BPCL Octane Credit Card
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Fuel Benefits for Cost-Effective Refueling:
- Accelerated Rewards on BPCL Fuel Purchases: The BPCL HDFC Card Octane offers an impressive 5% cashback on fuel purchases at BPCL petrol pumps, capped at a maximum of ₹250 per billing cycle. The cashback is credited as reward points, with each point valued at ₹0.25, redeemable against fuel or other categories through HDFC’s rewards portal.
- Fuel Surcharge Waiver: 1% fuel surcharge waiver on transactions between ₹400 and ₹4,000 at any petrol pump across India (including non-BPCL stations). The waiver is capped at ₹250 per month, saving up to ₹3,000 annually on fuel transactions.
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Additional Fuel & Utility Benefits:
- Bharat Gas Booking Rewards: Cardholders earn 5% cashback on Bharat Gas bookings made via the BPCL website or app. This benefit is capped at ₹150 per month, rewarding users for household utility payments.
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Reward Redemption:
- Value of Reward Points: Reward points earned (1 point = ₹0.25) can be redeemed for fuel or a variety of products and services via the HDFC rewards portal, allowing users to maximize the utility of every rupee spent.
- Rewards Program for Everyday Spending: The BPCL HDFC Card Octane offers 2% cashback on online spends and 1% cashback on offline retail purchases, excluding fuel and wallet uploads. The monthly cap for these categories is ₹200 for online spends and ₹100 for offline spends. This structure encourages cardholders to use the card for a wide range of transactions, from e-commerce shopping to in-store purchases, ensuring rewards on daily expenses.
- Bonus Rewards on Milestone Spending: To incentivize higher usage, the card provides 5,000 bonus reward points (worth ₹1,250) upon achieving an annual spend of ₹3 lakhs. This milestone reward enhances the card’s appeal for users with significant monthly expenditures, offering a substantial return on their spending.
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Travel and Lifestyle Perks:
- Complimentary Airport Lounge Access: The HDFC BPCL Octane Credit Card includes 4 complimentary domestic airport lounge visits per calendar year, with a maximum of 1 visit per quarter. Cardholders can relax in comfort, enjoying amenities like free Wi-Fi, refreshments, and comfortable seating before their flights.
- Contactless Payments: Equipped with contactless payment technology, the card allows for quick and secure transactions at NFC-enabled terminals. This feature is particularly useful for small-ticket purchases at fuel stations, retail stores, or dining outlets.
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Financial Flexibility and Savings:
- SmartEMI Facility: The card offers the SmartEMI facility, allowing cardholders to convert transactions above ₹2,500 into easy monthly installments. The interest rate for EMI conversions typically ranges from 13–15% per annum.
- Balance Transfer: The card also offers a balance transfer facility at a lower interest rate. Cardholders can transfer outstanding balances from other bank credit cards to the HDFC card, reducing interest costs and simplifying repayments. Processing fees are nominal.
- Credit Limit: The HDFC BPCL Octane Credit Card maximum limit is determined based on the cardholder’s creditworthiness, income, credit score, and repayment history. Typically, the credit limit ranges from ₹50,000 to ₹5 lakhs. HDFC Bank also reviews usage behavior and offers limit enhancements via NetBanking or customer care.
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Fees and Charges:
- Joining Fee: ₹1,499 + GST, with a welcome benefit of 6,000 reward points (worth ₹1,500).
- Annual Fee: ₹1,499 + GST, waived on annual spends of ₹2 lakhs.
- Finance Charges: 3.6% per month (43.2% annually) on unpaid dues.
- Cash Advance Fee: 3.5% of the amount (minimum ₹300).
- Foreign Markup: 3.5% + GST on international transactions.
- Overlimit Fee: 2.5% of the over-limit amount (minimum ₹500).
- Payment Return Fee: ₹450 per instance.
- Redemption Fee: ₹99 + GST per non-fuel redemption through the HDFC rewards portal.
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Security and Fraud Protection:
- EMV Chip: The card is equipped with an EMV chip for enhanced security, reducing the risk of skimming and unauthorized transactions.
- Fraud Liability Cover: Up to ₹1 lakh for misuse reported within 3 days prior and 7 days post reporting a lost or stolen card, providing financial protection and peace of mind.
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Eligibility & Application Process:
- Eligibility: Salaried (21–60 years), Self-employed (21–65 years); Min income ₹6L (salaried), ₹7.5L (self-employed); credit score of 750+ preferred.
- Documents: PAN card, Aadhaar card, recent salary slips or ITR, and address proof.
- How to Apply: Apply online via HDFC’s website or offline at branches. Processing time is 7–21 days.
- Why Choose HDFC BPCL Octane Credit Card? The HDFC BPCL Octane Credit Card is an excellent choice for individuals who prioritize fuel savings and seek rewards on everyday spending. With high cashback rates on BPCL fuel and Bharat Gas, lounge access, EMI & balance transfer options, robust security, and a competitive credit limit — it’s ideal for BPCL loyalists and frequent spenders.
- Everyday Spending Rewards: Beyond fuel, the HDFC BPCL Octane Credit Card rewards cardholders for everyday purchases in key lifestyle categories.
- Enhanced Rewards on Lifestyle Categories: You earn 10 reward points per ₹100 spent on dining, groceries, departmental stores, and movie tickets, with a monthly cap of 7,500 points.
- Base Rewards on Other Retail Spends: For all other retail purchases, the card offers 1 reward point per ₹100 spent. While this base reward rate of 0.25% value-back is modest, enhancing the card’s utility spending categories.
- Travel:
Complimentary Airport Lounge Access
The HDFC BPCL Octane Credit Card elevates your travel experience with 4 complimentary domestic lounge visits per calendar year, limited to one visit per quarter.
- Lifestyle Perks:This perk is ideal for frequent travelers who value comfort and convenience at airports.
- Milestone Benefits: Upon reaching ₹3 lakh in annual spends, you receive an e-gift voucher worth ₹2,000 from brands like Aditya Birla Fashion, Yatra, or Bata/Hush Puppies.
- Financial Flexibility and Convenience: The card offers an interest-free credit period of up to 50 days on purchases, provided the merchant submits the charge promptly.
- Interest-Free Credit Period: This feature allows you to manage cash flow effectively, making it easier to handle large expenses without immediate financial strain.
- Easy EMI Options with Flexipay: For purchases of ₹2,500 or more, the HDFC BPCL Octane Credit Card offers the Flexipay facility, enabling you to convert transactions into easy monthly installments.
- Balance Transfer on EMI: To consolidate debt, the card allows you to transfer outstanding balances from other banks’ credit cards to the HDFC BPCL Octane Credit Card at a lower interest rate.
- Security and Global Acceptance: This feature is particularly convenient for small-ticket purchases, reducing the risk of card loss or fraud, as the card remains in your hand during transactions.
- Contactless Transactions The HDFC BPCL Octane Credit Card supports contactless payments, allowing you to make quick and secure transactions by simply waving the card at compatible readers.
- Worldwide Acceptance: As an international credit card, it is accepted at over 24 million outlets worldwide, including 3.25 lakh outlets in India, wherever Visa or MasterCard is supported.
- Fraud Liability Cover: The card includes a complimentary fraud liability cover of ₹1 lakh, valid for 3 days prior to reporting a loss and 7 days post-reporting.
- HDFC BPCL RuPay Credit Card Variant: The fuel rewards, surcharge waivers, and lifestyle benefits remain consistent the standard Octane card, but the RuPay network enhances its utility for UPI-linked spends, BPCL outlets.
- HDFC BPCL Octane Credit Card Minimum Limit: The HDFC BPCL Octane Credit Card minimum limit is determined by HDFC Bank based on the cardholder’s creditworthiness, income, and credit history.
- Fees: To qualify for the HDFC BPCL Octane Credit Card, applicants must be aged 21 to 60 years with a gross monthly income of ₹25,000 or more or income tax returns exceeding ₹2 lakh per annum.
- Eligibility: Required documents include identity proof (Aadhaar, PAN, or passport), address proof (utility bill or ration card), and income proof (salary slips or ITR).
- Fees and Charges: The card carries a joining fee of ₹1,499 + GST and an annual renewal fee of ₹1,499 + GST. However, the renewal fee is waived if you spend ₹2 lakh annually, making it cost-effective for active users.
- Why Choose the HDFC BPCL Octane Credit Card: The HDFC BPCL Octane Credit Card stands out for its robust fuel rewards, lifestyle benefits, and financial flexibility. Its 25X reward points on BPCL fuel spends, 1% surcharge waiver, and complimentary lounge access make it a compelling choice for commuters and travelers. The HDFC BPCL RuPay Credit Card variant adds UPI convenience, while the HDFC BPCL Octane Credit Card minimum limit ensures accessibility for a wide range of users. With a reward points value of ₹0.25, the card delivers consistent savings across fuel, dining, groceries, and more. Whether you’re a frequent driver or someone seeking rewards on everyday spends, this card offers a balanced mix of savings and perks. Apply online through HDFC Bank’s website or visit a branch to start enjoying these benefits today.
Frequently Asked Questions
1. What is the fuel surcharge waiver benefit?
The card offers a 1% fuel surcharge waiver on fuel purchases at all petrol pumps (not just BPCL) across India, with a monthly cap of ₹250.
2. How does the reward point system work for BPCL fuel purchases?
You earn 20 Reward Points (RP) per ₹150 spent at BPCL fuel stations (4X reward rate), compared to the standard 5 RP per ₹150 on other spends.
3. Are there any annual or renewal fees?
The card has an annual fee of ₹1,500 + GST, but it is waived if you spend ₹50,000 or more in the previous year.
4. What are the additional benefits at BPCL Octane outlets?
You get additional discounts and benefits (like free vehicle checks, car wash vouchers, or extra reward points) when you use the card at BPCL Octane-branded fuel stations.
5. Does the card provide airport lounge access?
Yes, you get 4 complimentary domestic airport lounge accesses per year via DreamFolks when you spend ₹5,000 or more in the previous quarter.
6. Can I convert fuel transactions into EMIs?
No, fuel transactions (including BPCL purchases) cannot be converted into EMIs as per RBI guidelines.
7. Is there a contactless payment feature?
Yes, the card comes with NFC-based contactless payments for faster and secure transactions at compatible fuel stations and retail outlets.
8. How do I redeem reward points?
Reward points can be redeemed for BPCL fuel vouchers (1 RP = ₹0.20) or other options like Amazon vouchers, flight bookings via HDFC's redemption portal.
9. Is there fuel emergency assistance?
Yes, it provides free fuel emergency assistance (like towing service or fuel delivery) if your vehicle runs out of fuel within city limits.
10. Can I use this card for non-fuel expenses?
Yes, you earn standard reward points (5 RP/₹150) on all non-fuel spends, including dining, groceries, and online shopping.