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BPCL SBI Card OCTANE by ₹300 a year at ₹75,000 a month
ICICI Bank HPCL Super Saver vs BPCL SBI Card OCTANE
ICICI Bank
BPCL SBI Card OCTANE vs ICICI Bank HPCL Super Saver: which should you pick?
HPCL's ICICI card against BPCL's SBI card, and the pump you drive past decides most of it. Super Saver pays 4% cashback at HPCL pumps and the HP Pay app, capped at ₹200 a month, 5% on utilities, groceries, telecom and departmental stores up to 400 points a statement cycle, and 0.5% elsewhere; OCTANE pays 25 points per ₹100 at BPCL, 6.25% at ₹0.25 a point and capped at 2,500 points a statement cycle, and 10X on groceries, departmental stores, dining and movies. OCTANE wins under ₹1L a month; Super Saver takes over from ₹1L. ₹500 waived at ₹1,50,000 of spend against ₹1,499 waived at ₹2,00,000. Each opens one domestic lounge visit a quarter.
Below ₹1 lakh a month BPCL SBI Card OCTANE is the better card; from ₹1 lakh up, ICICI Bank HPCL Super Saver takes over, and by ₹5 lakh a month it is ₹11,800 a year ahead. At ₹75,000 a month most of BPCL SBI Card OCTANE's edge is its milestone and renewal bonuses, worth ₹2,000 a year, where ICICI Bank HPCL Super Saver pays none at that spend, even though ICICI Bank HPCL Super Saver earns more on the spend itself. ICICI Bank HPCL Super Saver is the better pick if airport lounges matter more to you than the money: it gets you into 69 of the lounges we track to BPCL SBI Card OCTANE's 16, or if you would rather pay less to get the card: ICICI Bank HPCL Super Saver costs ₹500/yr, BPCL SBI Card OCTANE ₹1,499/yr.
BPCL SBI Card OCTANE pays one annual spend milestone, at ₹3,00,000 a year, and ICICI Bank HPCL Super Saver pays none.
ICICI Bank HPCL Super Saver review BPCL SBI Card OCTANE review
Side by side
| Fact | ICICI Bank HPCL Super Saver | BPCL SBI Card OCTANE |
|---|---|---|
| Can you get it | Open to apply | Open to apply |
| Fee (joining · annual, + GST) | ₹500/yr✓ Better | ₹1,499/yr |
| Fee waiver | Spend ₹1,50,000 a year | Spend ₹2,00,000 a year |
| Reward rate on everyday spend | 0.5%✓ Better | 0.3% |
| Points | ICICI Reward Points | SBI Reward Points |
| Our value per point | ₹1.00 † | ₹0.25 † |
| Transfer partners | 1✓ Better | None |
| Lounges it gets you into | 69 of 792✓ Better | 16 of 792 |
| Forex markup | 3.5% + GST | 3.5% + GST |
| Welcome benefit | 2,000 ICICI Bank Reward Points (₹500 at this card's ₹0.25) — released only after ₹5,000 of spend within 45 days of issuance, credited two statement cycles later | 6,000 bonus Reward Points worth ₹1,500 on payment of the ₹1,499 annual fee, credited within 30 days — the fee back and a rupee over |
✓ Better marks the side that wins a row; rows that compare unlike things are not scored. ICICI Bank HPCL Super Saver is ahead on 9 of the 11 rows we can call.
More facts 7 rows
| Fact | ICICI Bank HPCL Super Saver | BPCL SBI Card OCTANE |
|---|---|---|
| Our rank | #115✓ Better | #129 |
| Our verdict | Downgrade | Keep |
| Lounge visits in India | 4/year (1/quarter) at the 71 rooms on ICICI's consolidated domestic list — the annexure names the Master, Visa AND RuPay editions at 1 a quarter each | 4/yr (max 1 per quarter) at SBI's 16-lounge "Set A" list only — not the whole Visa network |
| Lounge visits abroad | None | None (0 complimentary visits) — no Priority Pass and no international entitlement on this card at all |
| Forex, in the bank’s words | 3.5% + GST — no HPCL exception; the four named exceptions are Emeralde-family, MakeMyTrip, Times Black and Amazon Pay | 3.5% + GST (no concession — SBI's 1.99% tier is AURUM, ELITE, Prime NRI Secured, Tata Neu Infinity and MILES ELITE only); dynamic currency conversion also 3.5%, on any rupee transaction of ₹1,000 or more taken abroad or at an India-located but overseas-registered merchant |
| Interest (APR) | 3.75%/mo (45%/yr) | up to 3.75%/mo (45%/yr), charged from the transaction date, with a ₹25 minimum finance charge per transaction |
| Income needed (salaried) | ₹20,000+/month (product page eligibility panel) | not published |
† ICICI Bank HPCL Super Saver: This card's own T&C settles the ₹0.25 without needing a second document. Clause IV says the daily-essentials tier is a "5% benefit as ICICI Bank reward points" and then defines it as "20 points on every ₹100 spent" — 20 points called 5% of ₹100 is ₹0.25 a point, stated by ICICI's arithmetic rather than ours. The ₹1.00 house value is Emeralde Private Metal's iShop travel rate; nothing on this card reaches it. The earn rate on this page is priced at that lower value.
† BPCL SBI Card OCTANE: SBI Reward Points are 4 to the rupee — ₹0.25 a point, floor and ceiling, reaching no airline and no hotel. What this card does better than its siblings is spend them without ceremony: 4 points buy ₹1 of free fuel instantly at 3,719 authorised BPCL outlets, with no minimum balance required, or you can take a BPCL fuel voucher. That is the honest use. The Shop n Smile catalogue is also open, and its ₹99 redemption fee on physical items and statement credit is the reason the pump is the better door.
Our value per point is what we think a point is worth when you use it well; every currency's figure and its reasoning is on points values.
What each is worth to you
| Monthly spend | ICICI Bank HPCL Super Saver | BPCL SBI Card OCTANE |
|---|---|---|
| At ₹30,000 a month | ₹1,700 | ₹2,900✓ Better |
| At ₹75,000 a month | ₹4,200 | ₹4,300✓ Better |
| At ₹1.5 lakh a month | ₹8,500✓ Better | ₹6,500 |
| At ₹3 lakh a month | ₹16,900✓ Better | ₹10,800 |
| At ₹5 lakh a month | ₹28,200✓ Better | ₹16,400 |
| Pays for itself from | ₹9,000 a month✓ Better | ₹17,000 a month, by waiving its fee |
On an everyday mix of spending (groceries, bills, travel, fuel and the rest), using each card's own rules for each kind of spend. The same figures as each card's own page.
Every spend from ₹25,000 to ₹5 lakh 20 steps
| Monthly spend | ICICI Bank HPCL Super Saver | BPCL SBI Card OCTANE | Ahead |
|---|---|---|---|
| ₹25,000 | ₹1,400 | ₹2,800✓ Better | BPCL SBI Card OCTANE by ₹1,400 |
| ₹50,000 | ₹2,800 | ₹3,500✓ Better | BPCL SBI Card OCTANE by ₹700 |
| ₹75,000 | ₹4,200 | ₹4,300✓ Better | BPCL SBI Card OCTANE by ₹100 |
| ₹1 lakh | ₹5,600✓ Better | ₹5,000 | ICICI Bank HPCL Super Saver by ₹600 |
| ₹1.25 lakh | ₹7,100✓ Better | ₹5,800 | ICICI Bank HPCL Super Saver by ₹1,300 |
| ₹1.5 lakh | ₹8,500✓ Better | ₹6,500 | ICICI Bank HPCL Super Saver by ₹2,000 |
| ₹1.75 lakh | ₹9,900✓ Better | ₹7,200 | ICICI Bank HPCL Super Saver by ₹2,700 |
| ₹2 lakh | ₹11,300✓ Better | ₹7,900 | ICICI Bank HPCL Super Saver by ₹3,400 |
| ₹2.25 lakh | ₹12,700✓ Better | ₹8,600 | ICICI Bank HPCL Super Saver by ₹4,100 |
| ₹2.5 lakh | ₹14,100✓ Better | ₹9,400 | ICICI Bank HPCL Super Saver by ₹4,700 |
| ₹2.75 lakh | ₹15,500✓ Better | ₹10,100 | ICICI Bank HPCL Super Saver by ₹5,400 |
| ₹3 lakh | ₹16,900✓ Better | ₹10,800 | ICICI Bank HPCL Super Saver by ₹6,100 |
| ₹3.25 lakh | ₹18,300✓ Better | ₹11,500 | ICICI Bank HPCL Super Saver by ₹6,800 |
| ₹3.5 lakh | ₹19,700✓ Better | ₹12,200 | ICICI Bank HPCL Super Saver by ₹7,500 |
| ₹3.75 lakh | ₹21,200✓ Better | ₹12,900 | ICICI Bank HPCL Super Saver by ₹8,300 |
| ₹4 lakh | ₹22,600✓ Better | ₹13,600 | ICICI Bank HPCL Super Saver by ₹9,000 |
| ₹4.25 lakh | ₹24,000✓ Better | ₹14,300 | ICICI Bank HPCL Super Saver by ₹9,700 |
| ₹4.5 lakh | ₹25,400✓ Better | ₹15,000 | ICICI Bank HPCL Super Saver by ₹10,400 |
| ₹4.75 lakh | ₹26,800✓ Better | ₹15,700 | ICICI Bank HPCL Super Saver by ₹11,100 |
| ₹5 lakh | ₹28,200✓ Better | ₹16,400 | ICICI Bank HPCL Super Saver by ₹11,800 |
How we work out the yearly value
We put each card through the same everyday mix of spending, apply that card's own rules for each kind of spend (some earn nothing on fuel or bills), add its milestone and renewal bonuses at our value per point, and take off the fee unless that spend waives it. Bonus categories that need you to shop a certain way are not counted. Your own mix will differ: try your numbers in the calculator, or read how we value cards.
Before you choose
Transfer partners 1 and 0
ICICI Bank HPCL Super Saver's ICICI Reward Points move to 1 airline and hotel partners; BPCL SBI Card OCTANE's SBI Reward Points cannot be moved to any.
Only ICICI Bank HPCL Super Saver: Air India Maharaja Club.
Every partner and ratio is on each card's page; the best value for your points is on the transfer optimizer.
Watch out 6 points
ICICI Bank HPCL Super Saver
- 0.5% on everything outside fuel and essentials — the points redeem at ₹0.25, not ₹1
- The 20x essentials tier is capped at 400 Reward Points a statement cycle: ₹100 a month
- Lounge access needs ₹75,000 of spend in the PREVIOUS calendar quarter, primary cardholder only
BPCL SBI Card OCTANE
- The 6.25% fuel rate caps at 2,500 Reward Points a statement cycle — ₹10,000 of BPCL fuel a month and no more
- Fuel bought via UPI on the RuPay variant earns ZERO points and loses the 1% surcharge waiver as well
- Any petrol pump that is not BPCL earns nothing at all
Common questions 5 answered
Which is better, ICICI Bank HPCL Super Saver or BPCL SBI Card OCTANE?
Below ₹1 lakh a month BPCL SBI Card OCTANE is the better card; from ₹1 lakh up, ICICI Bank HPCL Super Saver takes over, and by ₹5 lakh a month it is ₹11,800 a year ahead. At ₹75,000 a month most of BPCL SBI Card OCTANE's edge is its milestone and renewal bonuses, worth ₹2,000 a year, where ICICI Bank HPCL Super Saver pays none at that spend, even though ICICI Bank HPCL Super Saver earns more on the spend itself. ICICI Bank HPCL Super Saver is the better pick if airport lounges matter more to you than the money: it gets you into 69 of the lounges we track to BPCL SBI Card OCTANE's 16, or if you would rather pay less to get the card: ICICI Bank HPCL Super Saver costs ₹500/yr, BPCL SBI Card OCTANE ₹1,499/yr.
ICICI Bank HPCL Super Saver or BPCL SBI Card OCTANE: which is worth more at ₹3 lakh a month?
ICICI Bank HPCL Super Saver beats BPCL SBI Card OCTANE by ₹6,100 a year at ₹3 lakh a month. Both figures are a year's rewards and bonuses on an everyday spending mix, after the fee.
Which costs less to get, ICICI Bank HPCL Super Saver or BPCL SBI Card OCTANE?
ICICI Bank HPCL Super Saver: ₹500/yr against ₹1,499/yr. ICICI Bank HPCL Super Saver waives its fee if you spend ₹1,50,000 a year; BPCL SBI Card OCTANE waives its fee if you spend ₹2,00,000 a year.
Which gets you into more airport lounges, ICICI Bank HPCL Super Saver or BPCL SBI Card OCTANE?
ICICI Bank HPCL Super Saver: 69 of the 792 lounges we track, against 16 for BPCL SBI Card OCTANE. Visit limits and guest charges differ by card; each card's page lists them.
How current is this comparison?
ICICI Bank HPCL Super Saver was last checked against its bank's own documents on 24 Oct 2026, BPCL SBI Card OCTANE on 12 Oct 2026. Every figure here is worked out again from those records each time the site is built, so a change to either card shows up the day we log it.
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More on these two cards 7 pages
Sources
ICICI Bank HPCL Super Saver was last checked against its bank's own documents on 24 Oct 2026, BPCL SBI Card OCTANE on 12 Oct 2026. Every fact above comes from these 8 documents; the banks' own are marked official. A fact a bank does not publish shows as "not published", never as zero.
The documents 8 sources
- Official Product page — a single ₹500 a year (waived at ₹1.5L), 20 RP/₹100 on daily essentials and 2 on retail, 1 domestic lounge a quarter, 3.5% forex read
- Official Card T&C (last updated 16 Dec 2025) — the daily-essentials tier is a "5% benefit" paid as "20 points on every ₹100", which prices a Reward Point at ₹0.25 read
- Official MITC (last updated 9 Oct 2026) — a single ₹500 a year, fee reversal at ₹1,50,000; 3.50% forex mark-up with no HPCL exception read
- Official ICICI RuPay lineup — names "ICICI Bank HPCL Super Saver RuPay Credit Card" as a live variant read
- Official The card's own Terms & Conditions — 25 points per ₹100 at BPCL capped at 2,500 a statement cycle, the 10X MCC list and its 7,500-point monthly cap, and the exclusion list read
- Official SBI's own product record — ₹1,499 waived at ₹2 lakh, 6,000 welcome points worth ₹1,500, 4 domestic lounge visits a year, and isOnline "yes" read
- Official Airport Lounge Access — BPCL SBI Card OCTANE is in Set A, the cut-down 16-lounge domestic list effective 10 January 2026 read
- Official SBI's MITC — BPCL SBI Card Octane ₹1,499 annual and renewal, waived on ₹2 lakh of spend in the preceding year, and a 3.5% foreign-currency transaction fee read