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
₹1,499 + GST
₹500 + GST
Renewal Fee
₹1,499 + GST
₹500 + GST
Spend Based Waiver
Renewal fee waived if annual spends for the preceding year are ₹2,00,000 or more.
Joining fee waived on ₹20,000 spend in 90 days. Renewal fee waived on ₹50,000 annual spend.
Foreign Transaction Fees
3.5% of the transaction amount is charged as foreign currency markup.
3.5% markup on all international and cross-currency transactions.
Interest Rate (APR)
3.75% per month (equivalent to 45% per annum) on outstanding balances.
3.75% per month (45% per annum) on revolving credit balance.
Rewards & Benefits
Welcome Bonus
Get 6,000 bonus reward points (worth ₹1,500) on payment of the annual fees, credited within 30 days.
Complimentary IndianOil XTRAREWARDS Program (IXRP) membership on joining.
Rewards Rate
Earn 25 RPs on ₹100 at BPCL fuel; 10 RPs on ₹100 for Dining/Movies/Grocery; 1 RP on ₹100 general.
Earn 5% Fuel Points on IndianOil spends, groceries & bill payments; 1 FP for every ₹150 on other spends.
Reward Type
Reward Points
Fuel Points
Reward Redemption Fee
₹99 + taxes per redemption request, waived for instant redemption at BPCL fuel stations.
₹99 + GST applies for reward point redemption.
Travel & Lifestyle
Domestic Lounge Access
4 complimentary visits per calendar year to Domestic VISA lounges, limited to 1 visit per quarter.
Not Applicable
International Lounge Access
Not Applicable
Travel Benefits
Enjoy 4 complimentary domestic airport lounge accesses annually (1 per quarter) for convenient travel.
Not Applicable
Movie Benefits
Earn 10 Reward Points on every ₹100 spent on movies, capped at 7,500 RPs per month.
Not Applicable
Dining Benefits
Earn 10 Reward Points on every ₹100 spent on dining, capped at 7,500 RPs per month.
Not Applicable
Golf Benefits
Not Applicable
Fuel Surcharge Waiver
1% fuel surcharge waiver up to ₹100/cycle on transactions up to ₹4,000 at BPCL.
1% waiver on fuel transactions (min ₹400), capped at ₹250 per statement cycle.
Security & Other
Insurance Benefits
Complimentary Fraud Liability Cover of ₹1 Lakh, valid for 3 days prior to reporting loss.
Zero Lost Card Liability protection against fraudulent transactions upon reporting card loss.
Cash Advance Charges
2.5% of withdrawn amount, with a minimum charge of ₹500, applies to cash advances.
2.5% of amount withdrawn, minimum ₹500, for cash advance transactions.