Check below for a comparison between SBI BPCL credit card vs SBI BPCL Octane credit card or SBI BPCL Octane credit card vs SBI BPCL credit card and find which is better –

Overview of SBI BPCL credit card

December 2020 saw the introduction of the BPCL SBI Card Octane by SBI Card, representing an upgraded version of the BPCL SBI Credit Card.

While the Octane variant boasts superior rewards and offers, it does come with a significantly higher annual fee of Rs. 1,499, in contrast to the Rs. 499 fee associated with the original variant.

Users of the BPCL SBI Card Octane can avail themselves of a 7.25% value back on fuel purchases at Bharat Petroleum fuel stations, comprising 6.25% as reward points (at an attractive 25x reward rate) and a 1% fuel surcharge waiver.

Additionally, cardholders can earn 10x reward points for expenditures on dining and movie tickets, alongside the benefits related to fuel.

For travel perks, the card provides four complimentary accesses to domestic airport lounges annually, allowing a maximum of one access per quarter.

Overview of SBI BPCL Octane credit card

In partnership with Bharat Petroleum, SBI has launched the SBI BPCL Credit Card, offering exclusive cashback benefits for fuel acquisitions at BPCL petrol stations.

Beyond this, the card features a multitude of rewards across various segments like groceries, movies, dining, and more. Dive into the details to discover the distinctive attributes of the SBI BPCL Card.

Tailored as an introductory credit choice, this card presents a nominal annual membership fee of Rs. 499. With its focus on fuel-related transactions, it guarantees an overall value return of 4.25%, encompassing a 3.25% reward rate and a 1% surcharge waiver, specifically for transactions made at BPCL stations.

SBI BPCL credit card vs SBI BPCL Octane credit card

Features/Charges	SBI BPCL Credit Card	SBI BPCL Octane credit card
Joining Fees	Rs. 499 + taxes	Rs. 1,499 + taxes
Annual Fees	Rs. 499 + taxes	Rs. 1,499 + taxes
Welcome Benefits	Following the payment of the joining fees*, enjoy a reward of 2,000 Activation Bonus Reward Points, valued at Rs. 500, credited to your account after a 20-day waiting period on this card.	After settling the Joining Fees and renewing your membership annually, you’ll be entitled to 6,000 reward points.
Cashback / Rewards point	Gain 1 Reward Point for every Rs. 100 spent, ensuring a reliable Reward Rate of 0.25%. Explore increased benefits with 5 Reward Points on dining, movies, departmental stores, and groceries, sustaining a consistent Reward Rate of 0.25%. Elevate your rewards substantially with an impressive 13 times Reward Points specifically at BPCL fuel stations, featuring a noteworthy Reward Rate of 3.25% through the utilization of this card.	Earn 25 reward points for each Rs. 100 spent at BPCL fuel stations, with a rewarding rate of 6.25%. On all non-fuel transactions (excluding mobile wallet top-ups and purchases at non-BPCL fuel stations), receive 1 reward point for every Rs. 100 spent, corresponding to a reward rate of 0.25%. Additionally, enjoy 10 reward points for every Rs. 100 spent on groceries, departmental stores, and movie ticket purchases, with a reward rate of 2.5%, when using this card.
Dining benefits	Maximize your dining rewards by earning five times more points through the use of this card.	Enjoy a tenfold increase in reward points for expenditures of Rs. 100 on dining by utilizing this card.
Travel benefits	N/A	Enjoy four complimentary visits to lounges at domestic airports by utilizing this card.
Annual fees waiver	Exemption from the annual fee is granted when annual spending on this card goes beyond Rs. 1,50,000.	Spend more than Rs. 2,00,000 annually on this card, and the annual fee will be waived off.
Fuel surcharge waiver	Benefit from a 1% fuel surcharge waiver on transactions of Rs. 4000* at all fuel stations across India by using this card.	Use this card for transactions of Rs. 4000 or above at fuel stations throughout India to receive a 1% fuel surcharge waiver.