IndianOil Axis Bank Premium vs BPCL SBI Card OCTANE
BPCL SBI Card OCTANE by ₹300 a year at ₹75,000 a month
BPCL SBI Card vs BPCL SBI Card OCTANE
BPCL SBI Card OCTANE vs BPCL SBI Card: which should you pick?
SBI's two BPCL cards, ₹499 against ₹1,499. BPCL SBI pays 13 points per ₹100 at BPCL pumps, capped at 1,300 points a billing cycle, and 5X on dining, departmental stores, grocery and movies; OCTANE pays 25 per ₹100 at BPCL, capped at 2,500 points a statement cycle, and 10X on the same four categories, with points worth ₹0.25 on both and 1 per ₹100 on everything else. OCTANE out-earns the plain BPCL card at every spend level the page tests. ₹499 waived at ₹1,00,000 of spend against ₹1,499 waived at ₹2,00,000. OCTANE opens four domestic lounge visits a year, one a quarter, and the plain card none; neither pays anything at a non-BPCL pump.
BPCL SBI Card and BPCL SBI Card OCTANE both earn SBI Reward Points, so the transfer partners are the same; what separates them is how fast each earns and what each costs. BPCL SBI Card OCTANE stays about ₹2,000 a year ahead of BPCL SBI Card whatever you spend, from ₹25,000 to ₹5 lakh a month. 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 BPCL SBI Card pays none at that spend. Pick BPCL SBI Card instead if you would rather pay less to get the card: BPCL SBI Card costs ₹499/yr, BPCL SBI Card OCTANE ₹1,499/yr.
BPCL SBI Card OCTANE pays one annual spend milestone, at ₹3,00,000 a year, and BPCL SBI Card pays none.
Side by side
| Fact | BPCL SBI Card | BPCL SBI Card OCTANE |
|---|---|---|
| Can you get it | Open to apply | Open to apply |
| Fee (joining · annual, + GST) | ₹499/yr✓ Better | ₹1,499/yr |
| Fee waiver | Spend ₹1,00,000 a year | Spend ₹2,00,000 a year |
| Reward rate on everyday spend | 0.3% | 0.3% |
| Points | SBI Reward Points | SBI Reward Points |
| Our value per point | ₹0.25 † | ₹0.25 † |
| Transfer partners | None | None |
| Lounges it gets you into | 0 of 792 | 16 of 792✓ Better |
| Forex markup | not published | 3.5% + GST |
| Welcome benefit | 2,000 bonus Reward Points worth ₹500, credited within 20 days of paying the ₹499 joining and renewal fee | 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. BPCL SBI Card OCTANE is ahead on 7 of the 9 rows we can call.
More facts 6 rows
| Fact | BPCL SBI Card | BPCL SBI Card OCTANE |
|---|---|---|
| Our rank | #183 | #129✓ Better |
| Our verdict | Keep | Keep |
| Lounge visits in India | None — the card is on neither Set A nor Set B of SBI's eligible-card lists | 4/yr (max 1 per quarter) at SBI's 16-lounge "Set A" list only — not the whole Visa network |
| Lounge visits abroad | None published | None (0 complimentary visits) — no Priority Pass and no international entitlement on this card at all |
| Forex, in the bank’s words | not published | 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) | not published | up to 3.75%/mo (45%/yr), charged from the transaction date, with a ₹25 minimum finance charge per transaction |
† BPCL SBI Card: SBI Reward Points are 4 to the rupee — ₹0.25 a point, floor and ceiling, reaching no airline and no hotel. The honest redemption on a BPCL card is free fuel at an authorised BPCL outlet, which costs nothing to take and needs no minimum balance; the Shop n Smile catalogue charges ₹99 a request on physical items and statement credit, which is why the pump wins.
† 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.
Neither issuer publishes an income floor for these two, and the door is the same on both sides: BPCL SBI Card and BPCL SBI Card OCTANE are both open to a direct application. How people actually get each one is on its card page.
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 | BPCL SBI Card | BPCL SBI Card OCTANE |
|---|---|---|
| At ₹30,000 a month | ₹900 | ₹2,900✓ Better |
| At ₹75,000 a month | ₹2,300 | ₹4,300✓ Better |
| At ₹1.5 lakh a month | ₹4,500 | ₹6,500✓ Better |
| At ₹3 lakh a month | ₹8,800 | ₹10,800✓ Better |
| At ₹5 lakh a month | ₹14,400 | ₹16,400✓ Better |
| Pays for itself from | ₹9,000 a month, by waiving its fee✓ 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 | BPCL SBI Card | BPCL SBI Card OCTANE | Ahead |
|---|---|---|---|
| ₹25,000 | ₹800 | ₹2,800✓ Better | BPCL SBI Card OCTANE by ₹2,000 |
| ₹50,000 | ₹1,500 | ₹3,500✓ Better | BPCL SBI Card OCTANE by ₹2,000 |
| ₹75,000 | ₹2,300 | ₹4,300✓ Better | BPCL SBI Card OCTANE by ₹2,000 |
| ₹1 lakh | ₹3,000 | ₹5,000✓ Better | BPCL SBI Card OCTANE by ₹2,000 |
| ₹1.25 lakh | ₹3,800 | ₹5,800✓ Better | BPCL SBI Card OCTANE by ₹2,000 |
| ₹1.5 lakh | ₹4,500 | ₹6,500✓ Better | BPCL SBI Card OCTANE by ₹2,000 |
| ₹1.75 lakh | ₹5,200 | ₹7,200✓ Better | BPCL SBI Card OCTANE by ₹2,000 |
| ₹2 lakh | ₹5,900 | ₹7,900✓ Better | BPCL SBI Card OCTANE by ₹2,000 |
| ₹2.25 lakh | ₹6,600 | ₹8,600✓ Better | BPCL SBI Card OCTANE by ₹2,000 |
| ₹2.5 lakh | ₹7,400 | ₹9,400✓ Better | BPCL SBI Card OCTANE by ₹2,000 |
| ₹2.75 lakh | ₹8,100 | ₹10,100✓ Better | BPCL SBI Card OCTANE by ₹2,000 |
| ₹3 lakh | ₹8,800 | ₹10,800✓ Better | BPCL SBI Card OCTANE by ₹2,000 |
| ₹3.25 lakh | ₹9,500 | ₹11,500✓ Better | BPCL SBI Card OCTANE by ₹2,000 |
| ₹3.5 lakh | ₹10,200 | ₹12,200✓ Better | BPCL SBI Card OCTANE by ₹2,000 |
| ₹3.75 lakh | ₹10,900 | ₹12,900✓ Better | BPCL SBI Card OCTANE by ₹2,000 |
| ₹4 lakh | ₹11,600 | ₹13,600✓ Better | BPCL SBI Card OCTANE by ₹2,000 |
| ₹4.25 lakh | ₹12,300 | ₹14,300✓ Better | BPCL SBI Card OCTANE by ₹2,000 |
| ₹4.5 lakh | ₹13,000 | ₹15,000✓ Better | BPCL SBI Card OCTANE by ₹2,000 |
| ₹4.75 lakh | ₹13,700 | ₹15,700✓ Better | BPCL SBI Card OCTANE by ₹2,000 |
| ₹5 lakh | ₹14,400 | ₹16,400✓ Better | BPCL SBI Card OCTANE by ₹2,000 |
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 0 shared
Both cards earn SBI Reward Points, so they move points to the same 0 partners .
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
BPCL SBI Card
- The 13X fuel rate caps at 1,300 Reward Points a billing cycle — about ₹10,000 of BPCL fuel a month, and nothing beyond it
- The 5X bucket caps at 5,000 Reward Points a month across dining, departmental stores, grocery and movies together
- No lounge access of any kind — that is the whole gap to the ₹1,499 OCTANE
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, BPCL SBI Card or BPCL SBI Card OCTANE?
BPCL SBI Card and BPCL SBI Card OCTANE both earn SBI Reward Points, so the transfer partners are the same; what separates them is how fast each earns and what each costs. BPCL SBI Card OCTANE stays about ₹2,000 a year ahead of BPCL SBI Card whatever you spend, from ₹25,000 to ₹5 lakh a month. 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 BPCL SBI Card pays none at that spend. Pick BPCL SBI Card instead if you would rather pay less to get the card: BPCL SBI Card costs ₹499/yr, BPCL SBI Card OCTANE ₹1,499/yr.
BPCL SBI Card or BPCL SBI Card OCTANE: which is worth more at ₹3 lakh a month?
BPCL SBI Card OCTANE beats BPCL SBI Card by ₹2,000 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, BPCL SBI Card or BPCL SBI Card OCTANE?
BPCL SBI Card: ₹499/yr against ₹1,499/yr. BPCL SBI Card waives its fee if you spend ₹1,00,000 a year; BPCL SBI Card OCTANE waives its fee if you spend ₹2,00,000 a year.
Which gets you into more airport lounges, BPCL SBI Card or BPCL SBI Card OCTANE?
BPCL SBI Card OCTANE: 16 of the 792 lounges we track, against 0 for BPCL SBI Card. Visit limits and guest charges differ by card; each card's page lists them.
How current is this comparison?
BPCL SBI Card was last checked against its bank's own documents on 7 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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Sources
BPCL SBI Card was last checked against its bank's own documents on 7 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 SBI's own product record — ₹499 reversed at ₹1 lakh, 13X at BPCL capped at 1,300 points a cycle, 5X on dining and grocery, 2,000 welcome points and 4 Reward Points to the rupee read
- Official Key Fact Statement — BPCL SBI Card at 499 annual and 499 renewal, waived on preceding-year spend read
- Official BPCL SBI Card T&C — no Reward Points on e-wallet loading (MCC 6540/6541) or rent; 13 Reward Points per ₹100 at BPCL capped at 1,300 a statement cycle read
- Official SBI's product page for the BPCL SBI Card read
- Official SBI Card's Airport Lounge Access page (the Set A and Set B card lists) — the programme document this card's lounge entitlement is read against 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 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