A head-to-head comparison of BPCL SBI Card OCTANE and RBL IOCL XTRA Credit Card across fees, rewards, and spending categories to help you decide which card suits your wallet better.
Heavy Commuters
Heavy IndianOil Users
| Feature | BPCL SBI | RBL IOCL |
|---|---|---|
| Annual Fee | ₹1,499 (Waived on ₹2L spend) | ₹1,500 + GST (Waived on ₹2.75L annual spend) |
| Reward Rate | 7.25% Value Back | 8.5% value back at IndianOil (15 Fuel Points/₹100 + surcharge waiver) |
| Best For | Heavy Commuters | Heavy IndianOil Users |
| First-Card Friendly | ||
| Lounge Access | ||
| Zero Forex Markup |
Which categories does each card reward?
| Category | BPCL SBI | RBL IOCL |
|---|---|---|
| Fuel | ||
| Fuel surcharge waiver |