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Credit CardsComparisons

BPCL SBI Card vs BPCL SBI Card OCTANE

A head-to-head comparison of BPCL SBI Card and BPCL SBI Card OCTANE across fees, rewards, and spending categories to help you decide which card suits your wallet better.

FuelCard A

BPCL SBI Card

Two-Wheeler Owners

Annual Fee
₹499
Reward Rate
4.25% Value Back
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FuelCard B

BPCL SBI Card OCTANE

Heavy Commuters

Annual Fee
₹1,499
Reward Rate
7.25% Value Back
Apply Now Read full review →

Feature comparison

FeatureBPCL SBIBPCL SBI
Annual Fee₹499 (Waived on ₹1L spend — increased from ₹50K effective May 2026)₹1,499 (Waived on ₹2L spend)
Reward Rate4.25% Value Back7.25% Value Back
Best ForTwo-Wheeler OwnersHeavy Commuters
First-Card Friendly
Lounge Access
Zero Forex Markup

Spending category coverage

Which categories does each card reward?

CategoryBPCL SBIBPCL SBI
Fuel
Fuel surcharge waiver

Quick verdict

Choose BPCL SBI Card if:

  • Lower annual fee (₹499 vs ₹1,499)
  • This is your first credit card

Choose BPCL SBI Card OCTANE if:

    Full pros & cons

    BPCL SBI Card

    What's good
    • Low ₹499 annual fee, waivable on ₹1L annual spend (May 2026 revision)
    • 13X reward points on every BPCL fuel transaction
    • Fuel surcharge waiver at all BPCL outlets
    Watch out for
    • Lower reward cap than the premium Octane variant
    • No lounge access or travel perks
    Apply Now

    BPCL SBI Card OCTANE

    What's good
    • Highest fuel reward rate in India at 7.25% value back
    • Includes 1% fuel surcharge waiver
    • Accelerated rewards on groceries and dining spends too
    Watch out for
    • Rewards restricted exclusively to BPCL petrol pumps
    • High annual fee for a fuel-focused card
    Apply Now
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