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

Overview of SBI BPCL Octane credit card

In December 2020, SBI Card introduced the BPCL SBI Card Octane, an enhanced version of the BPCL SBI Credit Card.

Despite the improved rewards and offers provided by the Octane variant, it comes with a significantly higher annual fee of Rs. 1,499 compared to the Rs. 499 fee of the original variant.

With BPCL SBI Card Octane, users can enjoy a 7.25% value back on fuel purchases at Bharat Petroleum fuel stations, consisting of 6.25% as reward points (at a 25x reward rate) and a 1% fuel surcharge waiver.

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

Regarding travel perks, the card offers four complimentary accesses to domestic airport lounges annually, with a maximum of one access per quarter.

Overview of SBI Prime credit card

Designed to complement a lifestyle, the SBI Prime credit card is notable for its unique features.

It caters to dining and rewards enthusiasts, offering a 1% fuel surcharge waiver on transactions ranging from Rs. 500 to Rs. 3,000 at fuel stations across the country, alongside various other advantages.

When it comes to the reward rate, this card enables you to earn 2 Reward Points for every Rs. 100 you spend and an increased 10 Reward Points for every Rs. 100 spent on dining, groceries, and department store transactions.

With the value of 1 Reward Point set at Rs. 0.25, the effective reward rate for the card stands at 2.5% for dining, groceries, and department store categories, and 0.5% for all other spending categories.

Similar to the ELITE Card, the SBI Card Prime is offered in three variants: MasterCard, American Express, and VISA.

SBI BPCL Octane credit card vs SBI Prime credit card

Features/Charges	SBI BPCL Octane credit card	SBI Prime credit card
Joining Fees	Rs. 1,499 + taxes	Rs. 2,999
Annual Fees	Rs. 1,499 + taxes	Rs. 2,999
Welcome Benefits	Receive 6,000 reward points upon payment of the enrollment fees and the annual renewal of your membership.	As a token of welcome, you’ll be gifted an e-gift voucher worth Rs.3,000 upon acquiring this card.
Cashback / Rewards point	Gain 25 reward points for every Rs. 100 spent at BPCL fuel stations, with a reward rate of 6.25%. Receive 1 reward point for every Rs. 100 spent on all other transactions (reward rate of 0.25%), excluding mobile wallet top-ups and fuel purchases at non-BPCL stations. Additionally, earn 10 reward points for every Rs. 100 spent on groceries, departmental stores, and movie ticket purchases, with a reward rate of 2.5%, when utilizing this card.	When it comes to the reward rate, this card enables you to earn 2 Reward Points for every Rs. 100 you spend and an increased 10 Reward Points for every Rs. 100 spent on dining, groceries, and department store transactions. With the value of 1 Reward Point set at Rs. 0.25, the effective reward rate for the card stands at 2.5% for dining, groceries, and department store categories, and 0.5% for all other spending categories. Similar to the ELITE Card, the SBI Card Prime is offered in three variants: MasterCard, American Express, and VISA.
Dining benefits	Gain rewards at a rate of 10 times for every Rs. 100 spent on dining when utilizing this card.	Secure a Rs.1,000 Pizza Hut voucher for expenditures surpassing Rs.50,000 within a quarter, accompanied by a substantial fivefold boost in reward points for dining at affiliated restaurants.
Travel benefits	Obtain four free entries to lounges at domestic airports by making use of this card.	Enjoy complimentary Club Vistara and Trident Privilege Memberships, in addition to eight complimentary visits to domestic airport lounges per year, courtesy of this card.
Annual fees waiver	The annual fee will be exempted for annual expenditures surpassing Rs. 2,00,000 on this card.	The credit card’s annual fee will be waived if your yearly expenses go beyond Rs.3 lakh.
Fuel surcharge waiver	Utilize this card for transactions of Rs. 4000 or more at any fuel station in India, and enjoy a 1% fuel surcharge waiver.	With this credit card, experience a 1% fuel surcharge waiver for transactions within the range of Rs. 500 to Rs. 4,000 at every petrol pump in India.

SBI BPCL Octane credit card vs SBI Prime credit card-*terms and conditions are applied for every credit card offer, kindly check the official website of SBI Card