SBI BPCL Card Octane via UPI apps like GPay, here’s what you should know:

If you’re using your SBI BPCL Card Octane via UPI apps like GPay, here’s what you should know:

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✅ Rewards and Fuel Surcharge Waiver – Do they apply via UPI?

UPI transactions with this card earn only the basic reward rate, not the accelerated fuel rewards. So you won’t get the 25× BPCL fuel points (~6.25% value) or the 1% fuel surcharge waiver when paying via UPI like GPay or any other UPI client. Only direct card transactions at BPCL pumps in swipe/insert/contactless mode get these benefits. 

A Reddit user confirmed:

> “You get the basic reward rate for UPI. Not the accelerated ones for fuel.” 

SBI’s official FAQ also states that fuel surcharge waiver is not permitted on UPI transactions using this card. 

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🧾 Are there extra charges when using UPI?

There are no additional transaction fees charged by SBI just for using a credit card via UPI. As per the official T&C:

> “Normal use of card does not attract any transaction fee … except in case of late payment or no payment.” 

That means using GPay incurs no extra bank charges, just like using your credit card directly—aside from usual interest, late payment fees, etc.

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📊 In summary:

Mode of Payment Fuel Rewards Fuel Surcharge Waiver Extra UPI Charges

Card swipe/insert/contactless at BPCL Yes — full 25× fuel points and 1% surcharge waiver Yes, up to ₹ 100/month None

UPI (via GPay, PhonePe, etc.) No — only basic earn on card No None

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💡 So should you use the Octane card via UPI regularly?

If your goal is to maximize fuel rewards and surcharge waiver, it’s best to use the card directly at BPCL pumps—either by swiping, inserting, or using contactless/Tap‑and‑Pay where available.

Using UPI with Octane only gives you nominal rewards like a regular card. There's no surcharge benefit and no additional convenience over a regular card.

If you were hoping to use it like you do a debit card via UPI for everyday transactions—there’s no downside fee-wise, but you won’t get the premium fuel benefits.

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🧭 Tips & considerations:

To get fuel sitch benefits, opt for Tap‑and‑Pay/contactless or direct PIN transactions at BPCL pumps—not UPI. 

Use UPI if you value convenience, but don’t expect high reward multipliers for fuel spending.

Make sure UPI-linked card is RuPay or Visa network enabled, depending on your usage preference. Note: some users reported switching from RuPay to Visa to enable Tap‑and‑Pay linked services. 

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Bottom line:

There are no extra UPI transaction charges, but the fuel rewards and surcharge waiver do not apply when you use your Octane card via UPI like GPay. To get the full value on fuel, continue using the card directly at BPCL fuel stations in non‑UPI mode.

Happy fueling or UPI-ing—just choose based on what benefits you want!