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BPCL SBI Octane Credit Card VS IndianOil HDFC Bank Credit Card VS IndianOil RBL Bank Credit Card

A detailed, side-by-side look at 3 leading credit cards. Analyze the features that matter most to you and make an informed choice.

Features

BPCL SBI Octane Credit Card
BPCL SBI Octane Credit Card
IndianOil HDFC Bank Credit Card
IndianOil HDFC Bank Credit Card
IndianOil RBL Bank Credit Card
IndianOil RBL Bank Credit Card

Fees & Charges

Joining Fee
₹1,499 + GST
₹500 + GST
₹500 + GST
Renewal Fee
₹1,499 + GST
₹500 + GST
₹500 + GST
Spend Based Waiver
The annual renewal fee is waived on an annual expenditure of ₹2,00,000 or more in the preceding year.
Joining fee waived on ₹20,000 spend in 90 days. Renewal fee waived on ₹50,000 annual spend.
Annual Fee waived on spends of ₹1.75 Lakh in a year.
Foreign Transaction Fees
3.5% of the transaction amount.
3.5% markup on all international and cross-currency transactions.
3.5% markup on international spends.
Interest Rate (APR)
3.75% per month (45% per annum).
3.75% per month (45% per annum) on revolving credit balance.
2.5% to 3.99% Per Month on outstanding balances.

Rewards & Benefits

Welcome Bonus
Get 6,000 bonus Reward Points worth ₹1,500 on payment of the annual fee, credited within 30 days.
Complimentary IndianOil XTRAREWARDS Program (IXRP) membership on joining.
1,000 Fuel Points
Rewards Rate
Earn 25 Reward Points per ₹100 on BPCL fuel, lubricants, and Bharat Gas (website/app only, max 2,500 RPs/month for fuel, 500 RPs/month for Bharat Gas). Get 10 RPs per ₹100 on dining, departmental stores, groceries, and movies (max 7,500 RPs/month). Earn 1 RP per ₹100 on all other retail spends (excluding mobile wallet uploads and non-BPCL fuel).
Earn 5% Fuel Points on IndianOil spends, groceries & bill payments; 1 FP for every ₹150 on other spends.
Earn 10 Fuel Points/₹100 on IndianOil fuel, 1 Fuel Point/₹100 on other spends.
Reward Type
Reward Points
Reward Points
Reward Points
Reward Redemption Fee
₹99 + applicable taxes per redemption request (not applicable for fuel redemption at BPCL pumps).
₹99 + GST applies for reward point redemption.
₹99 + GST applies for redemption of reward points.

Travel & Lifestyle

Domestic Lounge Access
Enjoy 4 complimentary domestic airport lounge visits per calendar year, with a maximum of 1 visit per quarter.
Not Applicable
Not Applicable
International Lounge Access
Not Applicable
Not Applicable
Travel Benefits
Not Applicable
Not Applicable
Movie Benefits
Earn 10 Reward Points for every ₹100 spent on movie tickets, capped at 7,500 RPs per month across dining, departmental stores, groceries, and movies.
Not Applicable
Not Applicable
Dining Benefits
Earn 10 Reward Points for every ₹100 spent on dining, capped at 7,500 RPs per month across dining, departmental stores, groceries, and movies.
Not Applicable
Not Applicable
Golf Benefits
Not Applicable
Not Applicable
Fuel Surcharge Waiver
1% fuel surcharge waiver on fuel transactions up to ₹4,000 at all petrol pumps across India (max waiver of ₹100 per month, equivalent to ₹1,200 annual savings).
1% waiver on fuel transactions (min ₹400), capped at ₹250 per statement cycle.
1% fuel surcharge waiver.

Security & Other

Insurance Benefits
Complimentary Fraud Liability Cover of ₹1 Lakh.
Zero Lost Card Liability protection against fraudulent transactions upon reporting card loss.
Not Applicable
Cash Advance Charges
2.5% of the withdrawn amount (minimum ₹500).
2.5% of amount withdrawn, minimum ₹500, for cash advance transactions.
2.5% or a Minimum of ₹500 for cash withdrawals.
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Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

BPCL SBI Octane Credit Card

IndianOil HDFC Bank Credit Card

IndianOil RBL Bank Credit Card

Who is it for?

The BPCL SBI Octane Credit Card is designed for individuals who frequently spend on fuel, especially at BPCL stations, offering a high 7.25% value back. It also provides accelerated rewards on dining, movies, and groceries, along with complimentary domestic airport lounge access, making it a strong choice for everyday spenders and domestic travelers.

Who is it for?

The IndianOil HDFC Bank Credit Card is a co-branded RuPay credit card designed for fuel enthusiasts. It offers significant rewards in the form of Fuel Points, allowing cardholders to earn up to 50 litres of free fuel annually, especially at IndianOil outlets. Benefits include accelerated points on groceries and bill payments, easy UPI linkage, and potential fee waivers based on spending. This card provides a strong value proposition for everyday fuel and utility expenses.

Who is it for?

The IndianOil RBL Bank Credit Card is a co-branded card tailored for fuel expenses at IndianOil outlets. It offers an exceptional 5% reward rate on fuel purchases, along with a 1% fuel surcharge waiver, leading to significant savings. With an affordable fee and the option for an annual fee waiver, it's an ideal choice for individuals seeking a dedicated fuel credit card, offering up to ₹6,000 in annual fuel savings.

Pros

Key benefits and features.

High value back of 7.25% on fuel purchases at BPCL stations.

Accelerated 10X Reward Points on dining, movies, groceries, and departmental stores.

Complimentary domestic airport lounge access (4 visits annually).

Valuable welcome benefit of 6,000 Reward Points worth ₹1,500.

Opportunity to earn e-Gift Vouchers worth ₹2,000 on achieving annual spend milestones.

Pros

Key benefits and features.

RuPay network enables seamless linkage to UPI applications for mobile payments.

Offers a high reward rate for fuel redemption through IXRP, valuing 1 FP at ₹0.96.

Provides potential for both joining and renewal fee waivers based on annual spending.

Opportunity to earn up to 50 litres of free fuel annually with continued usage.

Pros

Key benefits and features.

Highly advantageous credit card for those who frequently purchase fuel at IndianOil stations.

Offers an excellent reward rate of 5% on fuel purchases, ensuring significant savings.

Considered one of the best co-branded credit cards for fuel purchases at IndianOil Outlets.

Affordable ₹500 fee makes it ideal for individuals seeking their first fuel credit card.

Potential annual savings of up to ₹6,000 on fuel expenditure at IndianOil outlets.

Cons

Key drawbacks and limitations.

A reward redemption fee of ₹99 + taxes applies to most redemption requests, except for fuel.

No international lounge access or specific international travel benefits.

Reward points for fuel and other categories are capped monthly.

The annual fee is higher than the base BPCL SBI Card variant.

Cons

Key drawbacks and limitations.

Initial cap on accelerated fuel rewards at IndianOil outlets limits benefits for high spenders.

Reward accrual on groceries and bill payments is capped at 100 Fuel Points per month.

Lower redemption value (1 FP = ₹0.20) for cashback or catalogue products.

Cons

Key drawbacks and limitations.

The card does not offer a high reward rate for spending on categories other than fuel.

Limited benefits beyond fuel, making it less versatile for diverse spending needs.

A rewards redemption fee of ₹99 + GST applies, reducing the overall reward value slightly.

How We Compare These Cards

Every comparison on CardsForYou is built from the same verified data set we use across the site - joining and renewal fees, reward rates, forex markup, lounge access, and insurance benefits - sourced directly from each issuer and refreshed regularly. We highlight the lower-cost option on fees automatically, but "best" always depends on your own spending pattern: a card that wins on annual fee may lose on reward rate for a heavy spender, and vice versa. Use the table above alongside your own typical monthly spend to judge real value, not just the headline numbers.

Ready to Choose?

Based on your comparison, select the credit card that best matches your spending habits and financial goals.