SBI Octane Credit Card | Features | CIBIL Score | By Paisainvests

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In today’s world, credit cards have become an essential financial tool, offering a variety of rewards and benefits. The SBI Octane Credit Card is designed specifically for fuel and travel enthusiasts, offering exclusive rewards on fuel spends along with several other perks. Whether you’re looking to save on fuel, earn rewards, or enjoy travel benefits, this card is packed with features that make it a worthy choice.

This blog will cover everything you need to know about the SBI Octane Credit Card, including its features, benefits, eligibility criteria, required documents, credit score requirements, disadvantages, application process, and frequently asked questions.

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What is SBI Octane Credit Card?

The SBI Octane Credit Card is a premium fuel-centric credit card designed for individuals who frequently spend on fuel and travel. Issued by the State Bank of India (SBI) in collaboration with BPCL (Bharat Petroleum Corporation Limited), this credit card offers exclusive rewards and cashback benefits on fuel purchases. It is best suited for people who want to save money on fuel expenses while also enjoying lifestyle and travel perks.

Unlike regular credit cards, the SBI Octane Credit Card focuses on higher rewards on fuel transactions, accelerated reward points, and surcharge waivers at BPCL petrol pumps across India. This makes it one of the best choices for motorists, business travelers, and frequent commuters.

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Features of SBI Octane Credit Card

• High Fuel Rewards: Earn 7.25% value back (including fuel surcharge waiver) on BPCL fuel transactions.
• Accelerated Reward Points: Get 25X Reward Points on fuel transactions at BPCL outlets.
• Fuel Surcharge Waiver: 1% fuel surcharge waiver on transactions at BPCL petrol pumps.
• Welcome Benefits: Complimentary ₹1,500 BPCL fuel voucher on card activation.
• Dining & Entertainment Offers: Additional cashback and discounts on dining and movies.
• Global Acceptance: The card is accepted at millions of merchant outlets worldwide.
• Contactless Payments: Secure and faster transactions with tap-and-pay technology.

The SBI Octane Credit Card is an ideal choice for people looking to maximize savings on fuel expenses while also enjoying additional lifestyle benefits. It provides a great balance of fuel savings, travel perks, and everyday benefits, making it a smart option for frequent travelers and daily commuters.

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Benefits of SBI Octane Credit Card

The SBI Octane Credit Card is designed to offer maximum benefits on fuel transactions, making it an excellent choice for frequent commuters and business travelers. Along with fuel savings, the card also provides additional perks in travel, entertainment, and lifestyle categories. Below are the detailed key benefits of this credit card:

1. High Reward Points on Fuel Transactions

• Earn 25X Reward Points on fuel purchases at BPCL fuel stations across India.
• This translates into a 6.25% value-back when using the card for fuel transactions.
• If combined with the 1% fuel surcharge waiver, the total savings go up to 7.25% on BPCL fuel transactions.
• Applicable on transactions up to ₹10,000 per billing cycle.

2. Welcome Benefits

• Get a complimentary BPCL Fuel Voucher worth ₹1,500 on card activation.
• The welcome benefit is provided after paying the annual fee and making the first transaction within 30 days of card issuance.
• Helps in immediate savings on fuel purchases.

3. Fuel Surcharge Waiver

• Enjoy a 1% fuel surcharge waiver on all fuel purchases at BPCL petrol pumps.
• Maximum waiver: ₹100 per statement cycle.
• Valid on fuel transactions ranging from ₹500 to ₹4,000 per transaction.

4. Reward Points on Non-Fuel Transactions

• Earn 10X Reward Points on spends related to movies, dining, and grocery.
• Earn 1 Reward Point per ₹100 spent on other transactions.
• These points can be redeemed for fuel, travel bookings, shopping, or gift vouchers.

5. Milestone Benefits

• Spend ₹3,00,000 in a year and get 2,000 bonus Reward Points.
• Spend ₹5,00,000 in a year and earn an additional 2,000 bonus Reward Points.
• These rewards can be used to redeem fuel vouchers, helping save even more on fuel expenses.

6. Travel & Airport Lounge Access

• Enjoy 4 complimentary domestic airport lounge visits per year (1 per quarter).
• Access to exclusive travel privileges to make your journeys more comfortable.

7. Contactless Payment for Secure & Faster Transactions

• Equipped with Visa PayWave technology, allowing quick and safe tap-and-go payments.
• Transactions below ₹5,000 don’t require PIN authentication, ensuring a seamless experience.

8. Global Acceptance & Utility Bill Payments

• The SBI Octane Credit Card is accepted at over 24 million outlets worldwide, including 3,25,000 merchants in India.
• Use the card to pay for utility bills, insurance, and online shopping and earn reward points.

9. Easy EMI Conversion

• Convert large purchases into flexible EMIs at attractive interest rates.
• EMI conversion can be done through the SBI Card app or customer service.

10. Add-On Card Benefits

• Get add-on cards for family members (spouse, parents, children over 18 years old).
• Set spending limits on add-on cards for better financial control.

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Advantages of SBI Octane Credit Card

The SBI Octane Credit Card is designed to offer excellent savings and rewards on fuel purchases while also providing additional lifestyle benefits. Here’s a detailed breakdown of the advantages of this fuel-centric credit card.

1. High Reward Points on Fuel Transactions

• The biggest advantage of the SBI Octane Credit Card is its high reward rate on fuel spending.
• Earn 25X Reward Points on BPCL fuel transactions, which is equivalent to a 6.25% value-back.
• When combined with the 1% fuel surcharge waiver, total savings can go up to 7.25%.
• These rewards can be redeemed for fuel, reducing overall fuel expenses significantly.

2. Fuel Surcharge Waiver

• Enjoy a 1% fuel surcharge waiver on fuel purchases at BPCL petrol pumps.
• Helps in saving additional costs on fuel transactions.
• Valid on fuel transactions between ₹500 and ₹4,000, with a maximum waiver of ₹100 per billing cycle.

3. Welcome Benefits

• Get a ₹1,500 BPCL fuel voucher as a welcome gift upon activating the card.
• The fuel voucher helps in instant savings on your first few fuel purchases.
• Available after paying the joining fee and making the first transaction within 30 days.

4. Reward Points on Other Categories

• Apart from fuel, the card also offers:
  • 10X Reward Points on dining, movies, and groceries.
  • 1 Reward Point per ₹100 spent on all other transactions.
• This ensures that even if you’re not spending on fuel, you can still earn rewards on daily expenses.

5. Milestone Benefits for Extra Rewards

• Get bonus 2,000 Reward Points on spending ₹3,00,000 in a year.
• Earn another 2,000 bonus Reward Points on spending ₹5,00,000 in a year.
• These milestone rewards can be used to redeem for fuel or other benefits.

6. Complimentary Domestic Airport Lounge Access

• Get 4 free domestic airport lounge visits per year (1 per quarter).
• Enjoy premium services, refreshments, and a comfortable waiting area before flights.
• This is an excellent perk for frequent travelers.

7. Secure & Fast Contactless Payments

• The SBI Octane Credit Card supports Visa PayWave technology for quick tap-and-go payments.
• Transactions below ₹5,000 don’t require a PIN, making purchases seamless and faster.
• Reduces the risk of card fraud and enhances security.

8. Easy EMI Conversion for Large Purchases

• Convert high-value purchases into affordable EMIs.
• EMI conversion can be done via the SBI Card app or customer service.
• Helps in managing finances by spreading payments over a longer period.

9. Worldwide Acceptance

• Accepted at over 24 million outlets globally, including 3,25,000 merchants in India.
• Can be used for domestic and international transactions, making it a great choice for travelers.

10. Utility Bill Payments & Online Shopping Rewards

• Earn rewards on bill payments, shopping, and online transactions.
• Use the card for insurance premiums, OTT subscriptions, and e-commerce purchases to maximize rewards.

11. Add-On Cards for Family Members

• Get add-on cards for your spouse, parents, or children (above 18 years old).
• Set a spending limit on these cards for financial control.

12. Fraud Liability Cover & Security

• In case of loss or theft, report it immediately to avoid unauthorized transactions.
• Offers zero liability on fraudulent transactions reported within the stipulated time frame.

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Documents Required for SBI Octane Credit Card

Applying for the SBI Octane Credit Card requires applicants to submit specific documents for identity verification, address proof, and income validation. Below is a detailed list of the necessary documents for salaried and self-employed individuals.

1. Identity Proof (Any One of the Following)

To verify the applicant’s identity, one of the following government-issued photo ID proofs must be submitted:

• Aadhaar Card
• PAN Card (Mandatory as per RBI guidelines)
• Voter ID Card
• Passport
• Driving License
• Government ID Card (for government employees)
• Photo Identity Card issued by a PSU, Reputed Company, or Financial Institution

✅ The ID proof must contain a clear photograph and match the applicant’s name on the application form.

2. Address Proof (Any One of the Following)

To verify the residential address of the applicant, one of the following documents is required:

• Aadhaar Card (if not already used for ID proof)
• Passport
• Voter ID Card
• Driving License
• Utility Bills (Electricity, Water, Gas, or Telephone Bill – not older than 3 months)
• Bank Passbook or Statement (with address and transaction history of the last 3 months)
• Ration Card
• Property Registration Document or Rent Agreement (For rented accommodations)

✅ The address proof should reflect the applicant’s current residential address and be up to date.

3. Income Proof (Based on Employment Type)

Income proof is necessary to assess the applicant’s financial stability and repayment capability. The required documents vary for salaried individuals and self-employed professionals.

For Salaried Individuals:

• Latest Salary Slips (Last 3 months)
• Bank Statement (Showing salary credits for the last 3-6 months)
• Form 16 or ITR (Income Tax Return)

For Self-Employed Individuals:

• Income Tax Returns (ITR) of the last 2 years
• Profit & Loss Statement and Balance Sheet (Last 2 years, audited by a CA)
• Business Registration Certificate or GST Registration
• Bank Statement of the Last 6 Months (Showing regular business transactions)

✅ A stable income source with a good financial record increases the chances of approval.

4. PAN Card (Mandatory for All Applicants)

• The Permanent Account Number (PAN) Card is compulsory for all credit card applicants.
• It is required for tax compliance and credit assessment.

✅ Applicants without a PAN card must apply for one before applying for the SBI Octane Credit Card.

5. Passport-Sized Photographs

• Recent passport-sized color photographs are required for the application.
• Usually, 1-2 copies are needed.

✅ Ensure that the photos meet the standard specifications (clear background, professional format).

Additional Documents (If Required)

• Job Confirmation Letter (For recently employed individuals)
• Rental Agreement (If residing in rented accommodation)
• Additional KYC documents (If requested by the bank)

Key Points to Remember

✔️ All documents should be self-attested before submission.
✔️ The bank may request additional documents based on the applicant’s profile.
✔️ Applicants with a higher income and a good credit score have a better chance of approval.
✔️ The SBI Octane Credit Card is subject to eligibility and internal verification by SBI Card.

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CIBIL Score Requirement for SBI Octane Credit Card

The credit score is a crucial factor when applying for the SBI Octane Credit Card as it helps determine an applicant’s creditworthiness, repayment history, and financial discipline. Here’s a detailed breakdown of the credit score requirements, its impact, and ways to improve it if needed.

1. Minimum Credit Score Requirement

To qualify for the SBI Octane Credit Card, an applicant typically needs a credit score of 750 or above.

• 750 – 900: Excellent – High approval chances with better credit limits.
• 700 – 749: Good – Eligible, but approval depends on additional factors like income.
• 650 – 699: Fair – May get approved but with a lower credit limit or higher interest rate.
• Below 650: Poor – Higher chances of rejection due to past defaults or irregular repayment history.

✅ A higher credit score improves the likelihood of approval and increases the chances of receiving a higher credit limit.

2. Why is a Good Credit Score Important?

A credit score is a three-digit number assigned by credit bureaus like CIBIL, Experian, Equifax, and CRIF High Mark, indicating an individual’s financial trustworthiness. The State Bank of India (SBI) considers credit scores to evaluate:

✔️ Repayment History: Timely EMI and credit card bill payments increase trust.
✔️ Credit Utilization Ratio: Using less than 30% of the total credit limit is preferable.
✔️ Existing Debt and Loans: Higher outstanding loans or frequent EMI delays can impact approval.
✔️ Credit Mix: A good mix of secured (home loan, car loan) and unsecured loans (credit card, personal loan) improves credibility.
✔️ Recent Credit Inquiries: Too many loan or credit card applications in a short period may reduce approval chances.

✅ SBI Card checks all these factors while reviewing an applicant’s creditworthiness.

3. What If Your Credit Score is Below 750?

If your CIBIL score or other credit scores are below 750, it doesn’t necessarily mean rejection, but it reduces the approval chances. Here’s how you can improve your score before applying:

🔹 Pay Bills on Time: Ensure all credit card bills, EMIs, and utility bills are cleared before the due date.
🔹 Maintain a Low Credit Utilization Ratio: Try to use less than 30% of your total credit limit.
🔹 Avoid Multiple Loan Applications: Too many loan/credit card applications within a short span lower the credit score.
🔹 Clear Outstanding Debt: If you have unpaid loans or dues, clearing them boosts your creditworthiness.
🔹 Check Your Credit Report for Errors: Sometimes, incorrect entries or unauthorized transactions can reduce the score. Get them corrected with the credit bureau.
🔹 Maintain a Good Credit Mix: A combination of secured and unsecured credit builds a strong financial profile.

✅ Improving your credit score may take a few months, but it significantly enhances your chances of getting approved with a higher limit.

4. Can You Get the SBI Octane Credit Card with No Credit History?

If you are a first-time credit card applicant with no prior credit history, your approval will depend on:

✔️ Income Proof & Stability – A higher, stable income increases approval chances.
✔️ Existing Bank Relationship – SBI may consider an active savings account holder or fixed deposit customer.
✔️ Employment Type – Salaried individuals with reputed companies are preferred.
✔️ Alternate Credit Score – If no CIBIL score exists, SBI may evaluate Experian or Equifax reports.

🔹 If you have no credit history, consider starting with a secured credit card (backed by an FD) or a beginner credit card to build your score.

5. Factors That Can Lead to SBI Octane Credit Card Rejection

Even if you meet the minimum credit score requirement, your application might be rejected due to:

❌ High Debt-to-Income Ratio – If your income is low compared to your outstanding loans.
❌ Frequent Late Payments – A history of delayed payments or defaults.
❌ Multiple Loan/Credit Card Applications – Too many recent applications can make you look credit-hungry.
❌ Errors in Credit Report – Incorrect details affecting your creditworthiness.
❌ Job Instability – Frequent job changes or working in an unlisted company may reduce approval chances.

6. How to Check Your Credit Score Before Applying?

Before applying for the SBI Octane Credit Card, it’s recommended to check your credit score for free from:

• CIBIL (TransUnion CIBIL) – www.cibil.com
• Experian – www.experian.in
• Equifax – www.equifax.co.in
• CRIF High Mark – www.crifhighmark.com

✅ Check your score before applying to avoid unnecessary rejections.

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Disadvantages of SBI Octane Credit Card

While the SBI Octane Credit Card offers excellent benefits for fuel and travel enthusiasts, it also has certain drawbacks that potential users should consider before applying. Below is a detailed breakdown of the disadvantages of this credit card:

1. High Annual and Renewal Fees

Issue: The SBI Octane Credit Card comes with an annual fee and renewal fee, which may be costly for some users.
Details:

• The joining fee is ₹1,499 + GST.
• The annual renewal fee is also ₹1,499 + GST.
• While the renewal fee can be waived if you spend ₹2,00,000 per year, it may be difficult for low to moderate spenders to meet this threshold.

✅ If you do not use the card frequently or fail to meet the spending requirement, the fees may outweigh the benefits.

2. Limited Cashback Categories

Issue: The cashback benefits are mainly restricted to fuel and dining expenses, limiting the card’s versatility.
Details:

• You earn 7.5% cashback on fuel and 6% cashback on dining and movies.
• No cashback on groceries, shopping, travel bookings, or utility bill payments.

✅ If you’re looking for a credit card with broader cashback benefits across all categories, this may not be the best option.

3. Not Ideal for International Usage

Issue: The SBI Octane Credit Card charges a high foreign currency markup fee, making it expensive for international transactions.
Details:

• Foreign currency transactions attract a 3.5% markup fee + GST.
• This can be a disadvantage for frequent international travelers or those who shop from international websites.

✅ For global transactions, a dedicated international credit card with a lower forex markup fee would be a better choice.

4. No Airport Lounge Access

Issue: Unlike many premium credit cards, the SBI Octane Credit Card does not offer complimentary airport lounge access.
Details:

• No domestic or international airport lounge benefits.
• Frequent travelers may miss out on this premium perk.

✅ If you require lounge access, consider SBI’s travel credit cards like SBI Vistara or SBI Prime.

5. High Interest Rate on Revolving Credit

Issue: Carrying forward an unpaid balance results in high interest charges.
Details:

• The finance charges are up to 3.5% per month (42% per annum).
• If you do not clear your bill in full, the accumulated interest can be substantial.

✅ It is advisable to clear your dues on time to avoid high finance charges.

6. Fuel Surcharge Waiver Limitation

Issue: The fuel surcharge waiver is capped at a maximum amount.
Details:

• The 1% fuel surcharge waiver is applicable only on transactions between ₹500 and ₹4,000.
• The maximum waiver per month is ₹100, meaning if you spend more on fuel, you will not receive additional waivers.

✅ For higher fuel expenses, a dedicated fuel credit card with unlimited fuel surcharge waivers may be more beneficial.

7. Reward Points Have Limited Usability

Issue: The reward points earned on this card have limited redemption options.
Details:

• Reward points cannot be converted into direct cashback.
• Redemption is restricted to the SBI Rewards Catalogue, which may not always have desirable options.
• There is a reward redemption fee of ₹99 + GST, reducing the actual value of rewards.

✅ If you prefer direct cashback or statement credit, this card may not be ideal.

8. High Late Payment Charges

Issue: If you miss a payment, the late fee can be quite high depending on the outstanding amount.
Details:

• Up to ₹500 – No late fee
• ₹500 – ₹1,000 – ₹400
• ₹1,000 – ₹10,000 – ₹750
• ₹10,000 – ₹25,000 – ₹950
• ₹25,000 – ₹50,000 – ₹1,100
• Above ₹50,000 – ₹1,300

✅ If you are not disciplined with repayments, late payment charges can add up quickly.

9. No Complimentary Insurance Coverage

Issue: Unlike some other premium credit cards, SBI Octane does not offer travel insurance, accident insurance, or purchase protection.
Details:

• No coverage for air travel accidents or lost baggage.
• No fraud protection coverage for unauthorized transactions.

✅ For travel benefits and insurance coverage, other SBI travel credit cards may be better suited.

10. No Welcome Bonus or Joining Perks

Issue: Unlike some high-end credit cards, the SBI Octane Credit Card does not offer a lucrative welcome bonus.
Details:

• No instant reward points or cashbacks for new cardholders.
• Other SBI cards may offer free vouchers, travel miles, or bonus reward points upon joining.

✅ If you are looking for an immediate sign-up bonus, other SBI credit cards may provide better value.

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How to Apply for SBI Octane Credit Card?

The SBI Octane Credit Card is designed for users who frequently spend on fuel, dining, and entertainment. If you’re interested in applying for this card, follow this detailed step-by-step guide to ensure a smooth application process.

1. Check Eligibility Requirements

Before applying, make sure you meet the basic eligibility criteria set by SBI Card:

✔️ Age:

• Salaried individuals: 21 to 60 years
• Self-employed individuals: 21 to 65 years

✔️ Income:

• A stable monthly income is required (minimum ₹25,000 per month is recommended).
• Self-employed individuals should have a stable income and proper financial documents.

✔️ Credit Score Requirement:

• A minimum credit score of 750 is recommended for higher approval chances.
• If your score is below 700, approval may be difficult or come with lower credit limits.

2. Gather Required Documents

To apply for the SBI Octane Credit Card, you need to submit specific documents for identity verification, income proof, and address proof.

📌 Identity Proof (Any One):

• Aadhaar Card
• PAN Card (Mandatory)
• Voter ID
• Passport
• Driving License

📌 Address Proof (Any One):

• Aadhaar Card
• Passport
• Utility Bill (Electricity, Water, Gas)
• Rental Agreement

📌 Income Proof:

• Latest Salary Slips (last 3 months) (For Salaried Individuals)
• Bank Statements (last 6 months) (For Self-Employed Individuals)
• ITR (Income Tax Return) of last 2 years (For Self-Employed Individuals)

📌 Photograph:

• A recent passport-size photograph may be required.

📌 PAN Card:

• Mandatory for application processing.

3. Choose Your Application Method

There are two ways to apply for the SBI Octane Credit Card – Online or Offline.

Method 1: Apply Online (Fast & Convenient)

You can apply for the SBI Octane Credit Card online in just a few minutes by following these steps:

🔹 Step 1: Visit the SBI Card official website (www.sbicard.com).
🔹 Step 2: Search for the SBI Octane Credit Card in the credit card section.
🔹 Step 3: Click on “Apply Now.”
🔹 Step 4: Fill out the application form with details like:

• Name
• Date of Birth
• PAN Card Number
• Mobile Number & Email
• Employment Details
• Annual Income
  🔹 Step 5: Upload scanned copies of your documents for verification.
  🔹 Step 6: Click on “Submit.”

What Happens Next?

• SBI will review your application and verify your documents.
• If approved, you will receive a confirmation SMS/email.
• Your card will be delivered within 7-10 working days.

Method 2: Apply Offline (Visit SBI Branch)

If you prefer face-to-face assistance, you can apply for the SBI Octane Credit Card at the nearest SBI branch.

🔹 Step 1: Visit an SBI Bank branch or an SBI Card office.
🔹 Step 2: Request a credit card application form.
🔹 Step 3: Fill out the form with accurate personal and financial details.
🔹 Step 4: Attach self-attested copies of your identity, address, and income proof documents.
🔹 Step 5: Submit the form to the SBI executive.

What Happens Next?

• The SBI team will process your application and verify your documents.
• If approved, you will receive a confirmation SMS/email.
• Your card will be dispatched and delivered to your registered address.

4. Track Your Application Status

Once you have applied for the SBI Octane Credit Card, you can track your application status online.

🔹 Step 1: Go to the SBI Card Application Tracking Page.
🔹 Step 2: Enter your Application Number or PAN & Date of Birth.
🔹 Step 3: Click “Track” to check the current status.

Possible Status Updates:
In Progress: Your application is being processed.
Approved: Your application is approved, and the card will be dispatched soon.
Rejected: Your application has been declined due to eligibility issues.

📌 If your application is rejected, you can contact SBI customer care to understand the reason and reapply after improving your credit score.

5. Activation and PIN Generation

Once you receive your SBI Octane Credit Card, you need to activate it before using it.

Activate via SBI Card Website:
Log in to www.sbicard.com.
Click on “Activate Card” under the services section.
Enter your card details and set up a secure PIN.

Activate via SBI Mobile App:
Download the SBI Card Mobile App.
Register or log in with your credentials.
Select “Manage Card” and click “Generate PIN”.

Activate via SBI Customer Care:
Call SBI Customer Care at 1860 180 1290.
Follow the IVR instructions to set up your PIN.

Activate via SBI ATM:
Visit the nearest SBI ATM.
Insert your credit card and choose “Create PIN”.
Follow the on-screen instructions to set your 4-digit PIN.

Once activated, you can start using your SBI Octane Credit Card for fuel, dining, and entertainment spending.

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Conclusion

The SBI Octane Credit Card is an excellent choice for individuals who frequently spend on fuel, dining, entertainment, and lifestyle purchases. With its 5% cashback on fuel, accelerated reward points, complimentary lounge access, and concierge services, it offers a range of benefits that make everyday transactions more rewarding.

However, like any credit card, it comes with certain drawbacks, such as annual fees, finance charges, and limited category-specific benefits. It is important to evaluate your spending habits before applying to ensure that the SBI Octane Credit Card aligns with your financial needs.

In conclusion, if you are looking for a fuel-focused credit card with premium lifestyle perks, the SBI Octane Credit Card is a valuable option. However, responsible usage is key to avoiding unnecessary fees and maximizing its benefits. Make timely payments, track your expenses, and leverage reward points to get the most out of this credit card.

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FAQs

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Disclaimer-:

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The information provided on this blog is for educational and informational purposes only and should not be considered as financial, investment, or professional advice. We do not engage in, endorse, or offer any financial services, investment opportunities, or related business activities.

While we strive to provide accurate and up-to-date information, we make no representations or warranties regarding the completeness, reliability, or accuracy of the content. Any action you take based on the information from this blog is strictly at your own risk. We recommend consulting with a qualified financial professional before making any financial decisions.

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By PaisaInvests