The snow sepia, or seal sepia, is the darkest of the three snow variants and are born with a visable pattern. By adulthood, the colour of snow sepia Bengals can look anywhere from a light yellow brown to a snow colour with sepia markings. They should have strong contrast. A snow sepia Bengal will have gold or green eyes.

The gene that makes a Bengal a snow sepia is the Burmese colourpoint gene (cb), brought into the breed from outcrossing with the Burmese cat. It is a recessive gene, so one copy must be inherited from each parent to produce a snow sepia (cb/cb).