BPCL SBI Octane Credit Card vs IndianOil HDFC Bank 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.
The renewal fee will be waived on spends of Rs. 50,000
Foreign Transaction Fees
3.5% of the transaction amount
3.5% of the amount transacted
Interest Rate (APR)
3.5% per month (42% per annum)
3.6% per month (or 43.2% per annum)
Rewards & Benefits
Welcome Bonus
6,000 Bonus Reward Points Worth ₹1,500
Not Applicable
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
5% of spends as Fuel Points at IndianOil outlets, groceries, and bill payments, 1 Fuel Point on every Rs. 150 spent on all other purchases, reward rate of up to 4.8%
Reward Type
Reward Points
Reward Points
Reward Redemption Fee
Rs. 99 (plus applicable taxes) per redemption request.
Rs 99 per redemption request
Travel & Lifestyle
Domestic Lounge Access
4 complimentary access to domestic lounges every year (1 per quarter).
Not Applicable
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.
Not Applicable
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)
On a minimum fuel transaction of Rs. 400, you will get a fuel surcharge waiver of 1%.
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2.5% of the withdrawn amount (subject to a minimum charge of Rs. 500)
2.5% of the amount withdrawn subject to a minimum charge of Rs 500.
Ready to Choose?
Based on your comparison, select the credit card that best matches your spending habits and financial goals.