BPCL SBI Octane Credit Card vs ICICI Bank HPCL Super Saver Credit Card
A detailed, side-by-side look at 2 leading credit cards. Analyze the features that matter most to you and make an informed choice.
Fees & Charges
Joining Fee
Rs. 1,499 + GST
Rs. 500 + GST
Renewal Fee
Rs. 1,499 + GST
Rs. 500 + GST
Spend Based Waiver
Next year's renewal fee waived on annual expenditure of Rs. 2 lakh.
Annual fee waiver (from second year of membership) on the expenditure of Rs. 1.5 lakh in the preceding year.
Foreign Transaction Fees
3.5% of the transaction amount
3.5% of the transaction amount subject to a minimum amount of Rs. 250
Interest Rate (APR)
3.5% per month (42% per annum)
3.5% Per Month (42% Per Annum)
Rewards & Benefits
Welcome Bonus
6,000 Bonus Reward Points Worth ₹1,500
2,000 bonus Reward Points on paying the membership fee within 2 months and spending at least Rs. 5,000 within the first 45 days of card issuance; Rs. 100 cashback on HP Pay app on the first fuel purchase of Rs. 1,000 or more.
Rewards Rate
25 Reward Points/₹100 Spent at BPCL Fuel Stations (Reward Rate = 7.25%), 10 RPs/₹100 Spent on Groceries, Departmental Stores, and Movie Tickets, and 1 Reward Point for Every ₹100 Spent on All Other Expenditures
4% cashback on fuel spends at HPCL pumps, 5% cashback as RPs on departmental store spends & utility purchases, 2 Reward points per Rs. 100 spent for all other domestic and international transactions.
Reward Type
Reward Points
Reward Points
Reward Redemption Fee
Rs. 99 (plus applicable taxes) per redemption request.
₹99 + GST
Travel & Lifestyle
Domestic Lounge Access
4 complimentary access to domestic lounges every year (1 per quarter).
1 Complimentary Lounge Access Every Quarter on Spends of ₹75,000 in the Previous Quarter
International Lounge Access
Not Applicable
Not Applicable
Travel Benefits
Complimentary domestic airport lounge visits
Not Applicable
Dining & Movie Benefits
Accelerated 10 Reward Points for Every ₹100 Spent on Dining and Movie Tickets.
25% discount (max Rs. 100 per transaction) on movie tickets booked on BookMyShow and Inox movies individually, dining benefits under the ICICI Bank Culinary Treats Program
Golf Benefits
Not Applicable
Not Applicable
Fuel Surcharge Waiver
1% fuel surcharge waiver on transactions up to Rs. 4,000 (max waiver of Rs. 100 in a month)
1% fuel surcharge waived at all fuel stations across India
Security & Other
Insurance Benefits
Fraud Liability Cover of ₹1 Lakh
Not Applicable
Cash Advance Charges
2.5% of the withdrawn amount (subject to a minimum charge of Rs. 500)
2.5% of the cash amount or a minimum fee of Rs. 300
Ready to Choose?
Based on your comparison, select the credit card that best matches your spending habits and financial goals.