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
₹500 plus applicable taxes (GST)
Renewal Fee
Rs. 1,499 + GST
₹500 plus applicable taxes (GST)
Spend Based Waiver
Renewal fee waived off on annual expenditure of ₹2 Lakh in the previous year.
Renewal fee waived on ₹50,000 annual spend; joining fee waived on ₹20,000 spend in first 90 days.
Foreign Transaction Fees
3.5% of the transaction amount.
3.5% will be applicable on all International/Cross currency transactions.
Interest Rate (APR)
3.75% per month (equivalent to 45% per annum).
3.75% per month (45% per year) on revolving credit.
Rewards & Benefits
Welcome Bonus
Receive 6,000 bonus Reward Points (worth ₹1,500) upon annual fee realization and renewal.
Joining fee waiver on spending ₹20,000 in the first 90 days from card issuance.
Rewards Rate
Up to 7.25% value back on BPCL fuel (25 RPs/₹100). 10 RPs/₹100 on dining, movies, groceries.
Earn 5% of spends as Fuel Points at IndianOil outlets, groceries, and bill payments. 1 Fuel Point for every ₹150 on other spends.
Reward Type
Reward Points
Fuel Points
Reward Redemption Fee
₹99 (plus taxes) per request, waived for fuel redemption at BPCL petrol pumps.
₹99 plus GST
Travel & Lifestyle
Domestic Lounge Access
4 complimentary accesses to domestic airport lounges annually, limited to 1 per quarter.
Not Applicable
International Lounge Access
No complimentary international lounge access is provided with this card.
Not Applicable
Travel Benefits
Includes 4 complimentary domestic lounge accesses annually. Best for frequent road trippers.
Not Applicable
Movie Benefits
Earn 10 Reward Points for every ₹100 spent on movie tickets.
Not Applicable
Dining Benefits
Earn 10 Reward Points for every ₹100 spent on dining.
Not Applicable
Golf Benefits
No golf benefits are offered with this card.
Not Applicable
Fuel Surcharge Waiver
1% waiver on fuel transactions up to ₹4,000 (max ₹100/month) at all pumps.
1% waiver on fuel transactions (min ₹400, max ₹250/cycle) at all fuel stations.
Security & Other
Insurance Benefits
Complimentary Fraud Liability Cover of ₹1 Lakh is included.
Not Applicable
Cash Advance Charges
2.5% of withdrawn amount, minimum ₹500.
2.5% of amount withdrawn, subject to a minimum charge of Rs 500.