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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.
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Last updated: 30 September 2026

Comparing 3 cards side by side: BPCL SBI Octane Credit Card, IndianOil HDFC Bank Credit Card, IndianOil RBL Bank Credit Card. BPCL SBI Octane Credit Card costs ₹1,499 + GST and earns 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). IndianOil HDFC Bank Credit Card costs ₹500 + GST and earns 5% Fuel Points on IndianOil spends, groceries & bill payments; 1 FP for every ₹150 on other spends. IndianOil RBL Bank Credit Card costs ₹500 + GST and earns 10 Fuel Points/₹100 on IndianOil fuel, 1 Fuel Point/₹100 on other spends. Compare the fee and reward differences above against your priority spend category — travel, dining, shopping, or fuel — to pick the right fit.

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CheQ AU Credit Card

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CheQ AU Credit Card
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
Joining Fee₹500 + GST
Joining Fee₹500 + GST
Renewal Fee₹1,499 + GST
Renewal Fee₹500 + GST
Renewal Fee₹500 + GST
Spend Based WaiverThe annual renewal fee is waived on an annual expenditure of ₹2,00,000 or more in the preceding year.
Spend Based WaiverRenewal Fee is waived on annual spends of ₹50,000 or above in the previous year/card anniversary year.
Spend Based WaiverWaived on annual spend of ₹1.75 Lakh.
Foreign Transaction Fees3.5% of the transaction amount.
Foreign Transaction Fees3.5% of the transaction amount on all International / Cross currency transactions.
Foreign Transaction Fees3.5%
Interest Rate (APR)3.75% per month (45% per annum).
Interest Rate (APR)3.75% per month (45% per annum). Overdue interest charges are up to 3.49% per month (41.88% annually).
Interest Rate (APR)2.5% to 3.99% Per Month

Rewards & Benefits

Welcome BonusGet 6,000 bonus Reward Points worth ₹1,500 on payment of the annual fee, credited within 30 days.
Welcome BonusVoucher worth ₹250 upon card activation and completion of at least one transaction within 37 days.
Welcome Bonus1,000 Fuel Points.
Rewards RateEarn 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).
Rewards RateEarn 5% Fuel Points on IndianOil outlets, groceries, and bill payments (capped). 1 Fuel Point on every ₹150 spent on other purchases.
Rewards Rate10 Fuel Points per ₹100 on IndianOil fuel (5% savings); 1 Fuel Point per ₹100 on other spends.
Reward TypeReward Points
Reward TypeReward Points, Cashback
Reward TypeReward Points
Reward Redemption Fee₹99 + applicable taxes per redemption request (not applicable for fuel redemption at BPCL pumps).
Reward Redemption Fee₹99 + GST.
Reward Redemption Fee₹99 + GST

Travel & Lifestyle

Domestic Lounge AccessEnjoy 4 complimentary domestic airport lounge visits per calendar year, with a maximum of 1 visit per quarter.
Domestic Lounge Access
Domestic Lounge Access
International Lounge Access
International Lounge Access
International Lounge Access
Travel Benefits
Travel Benefits
Travel Benefits
Movie BenefitsEarn 10 Reward Points for every ₹100 spent on movie tickets, capped at 7,500 RPs per month across dining, departmental stores, groceries, and movies.
Movie Benefits
Movie Benefits
Dining BenefitsEarn 10 Reward Points for every ₹100 spent on dining, capped at 7,500 RPs per month across dining, departmental stores, groceries, and movies.
Dining Benefits
Dining Benefits
Golf Benefits
Golf Benefits
Golf Benefits
Fuel Surcharge Waiver1% 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).
Fuel Surcharge Waiver1% waiver across all petrol pumps on a minimum transaction of ₹400. Maximum waiver of ₹250 each statement cycle.
Fuel Surcharge Waiver1% waiver.

Security & Other

Insurance BenefitsComplimentary Fraud Liability Cover of ₹1 Lakh.
Insurance BenefitsZero Cost Card Liability for fraudulent transactions if reported immediately to HDFC Bank.
Insurance Benefits
Cash Advance Charges2.5% of the withdrawn amount (minimum ₹500).
Cash Advance Charges2.5% of the amount withdrawn, subject to a minimum charge of ₹500.
Cash Advance Charges2.5% of the advanced amount or a minimum of ₹500, whichever is higher.
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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 fuel credit card designed for high fuel spenders, offering significant savings on fuel purchases, groceries, and utility bills. It provides up to 50 liters of free fuel annually and accelerated 5% Fuel Points at IndianOil outlets. Operating on the RuPay network, it also supports UPI linking for convenient mobile payments. This card is ideal for those seeking substantial rewards on everyday essential spending.

Who is it for?

The IndianOil RBL Bank Credit Card is an entry-level co-branded credit card on the RuPay network, ideal for frequent fuel purchases at IndianOil outlets. It offers a high reward rate of 5% on fuel spends, an additional 1% fuel surcharge waiver, and significant annual savings, making it a great choice for a fuel-focused credit card.

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.

Being on the RuPay network, the card can be linked to UPI applications for convenient and fast mobile payments.

Offers accelerated 5% Fuel Points on spends at IndianOil outlets, groceries, and utility bill payments.

Provides significant annual savings with the potential to earn up to 50 liters of free fuel.

Renewal fee is easily waived on annual spends of just ₹50,000, making it cost-effective.

Pros

Key benefits and features.

Offers a high reward rate specifically for fuel purchases made at IndianOil stations.

Provides significant annual savings of up to ₹6,000 on fuel expenditure.

An affordable, basic co-branded card suitable for first-time credit card users.

Comes on the RuPay network, enabling easy linkage with UPI applications for payments.

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.

Monthly capping on Fuel Points for IndianOil outlet spends limits maximum reward earning potential.

Reward points for groceries and utility bills are also capped at a low 100 Fuel Points per month.

High foreign currency markup of 3.5% makes international transactions expensive for cardholders.

The card does not offer any complimentary airport lounge access, domestic or international.

Cons

Key drawbacks and limitations.

The reward rate for spending categories other than fuel is not high.

Monthly cap of 1,000 Fuel Points on IndianOil spends limits maximum savings.

Lacks premium benefits like lounge access, dining discounts, or travel perks.

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.
Apply for BPCL SBI Octane Credit Card(opens in new tab)Apply for IndianOil HDFC Bank Credit Card(opens in new tab)Apply for IndianOil RBL Bank Credit Card(opens in new tab)