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

Overview of SBI BPCL Octane credit card

SBI Card rolled out the BPCL SBI Card Octane in December 2020 as an upgraded version of the BPCL SBI Credit Card.

Despite the enhanced rewards and offers associated with the Octane variant, it does come with a substantially higher annual fee of Rs. 1,499, compared to the mere Rs. 499 fee of its predecessor.

The BPCL SBI Card Octane provides users with a 7.25% value back on fuel purchases at Bharat Petroleum fuel stations, broken down into 6.25% as reward points (at an impressive 25x reward rate) and a 1% fuel surcharge waiver.

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

In terms of travel privileges, the card grants four complimentary accesses to domestic airport lounges each year, with a maximum of one access allowed per quarter.

Overview of SBI SimplySave credit card

Receive 1 Reward Point for every Rs. 100 spent, enjoying a competitive Reward Rate of 0.25%. Multiply your rewards with 10 times more points for Dining, movies, departmental stores, and grocery purchases using this card.

Embrace the credit journey with 2000 bonus reward points as a welcome gift.

The card enhances your experience with accelerated reward points for grocery, movie, and departmental store transactions, particularly beneficial for credit newcomers looking to economize on their daily needs.

Additionally, get an annual fee waiver when spending Rs. 1 lakh or more.

SBI BPCL Octane credit card vs SBI SimplySave credit card

Features/Charges	SBI BPCL Octane credit card	SBI SimplySave Credit Card
Joining Fees	Rs. 1499 + taxes	Rs. 1,499 + taxes
Annual Fees	Rs. 1499 + taxes	Rs. 1,499 + taxes
Welcome Benefits	Obtain 6,000 bonus points when you pay the Joining Fees and renew your membership each year.	Earn 2000 rewards points (Rs. 500 worth) when your expenditures reach Rs. 2000 or more within the first 60 days using this card.
Cashback / Rewards point	Acquire 25 reward points when you spend Rs. 100 at BPCL fuel stations, featuring a reward rate of 6.25%. For all other expenses, excluding mobile wallet uploads and non-BPCL fuel station purchases, get 1 reward point per Rs. 100 spent, equating to a reward rate of 0.25%. Furthermore, enjoy 10 reward points for every Rs. 100 spent on groceries, departmental stores, and movie tickets, with a reward rate of 2.5%, when utilizing this card.	Receive 1 Reward Point for every Rs. 150 spent, enjoying a competitive Reward Rate of 0.25%. Multiply your rewards with 10 times more points for Dining, movies, departmental stores, and grocery purchases using this card.
Dining benefits	Receive tenfold reward points for each Rs. 100 spent on dining through the use of this card.	Maximize your rewards with a tenfold boost on dining transactions using this card.
Travel benefits	Access domestic airport lounges four times at no cost when you use this card.	Earn ten times more reward points on dining expenditures with this card.
Annual fees waiver	If your annual spending on this card exceeds Rs. 2,00,000, the annual fee will be waived.	An annual fee waiver is applied when your annual card expenditures surpass Rs. 1,00,000.
Fuel surcharge waiver	Enjoy a 1% fuel surcharge waiver when you use this card for transactions exceeding Rs. 4000 at any fuel station across India.	Receive a 1% waiver on fuel surcharge when using this card at any fuel station across India.