BPCL SBI Octane Credit Card VS IndianOil HDFC Bank Credit Card VS IndianOil RBL Bank Credit Card
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.
Fees & Charges
Rewards & Benefits
Travel & Lifestyle
Security & Other
BPCL SBI Octane Credit Card
IndianOil HDFC Bank Credit Card
IndianOil RBL Bank Credit Card
Who is it for?
Who is it for?
Who is it for?
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.
Accelerated 5% Fuel Points on IndianOil outlets, with high ₹0.96 redemption value for free fuel.
Earn 5% Fuel Points on groceries and utility bill payments, making it useful for daily expenses.
RuPay network enables UPI integration, allowing convenient mobile payments via linked applications.
Joining and renewal fees are waivable based on spending, offering potential for a free-for-life card.
Benefits include 1% fuel surcharge waiver, up to 50 days interest-free credit, and zero lost card liability.
Pros
Key benefits and features.
Offers an excellent 5% reward rate on fuel purchases at IndianOil outlets.
Provides significant annual savings of up to ₹6,000 on fuel expenditure.
Affordable joining and annual fee, making it accessible for new users.
Includes a beneficial 1% fuel surcharge waiver on fuel transactions.
Available on the RuPay network, enabling convenient UPI 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 caps on Fuel Points in accelerated categories limit benefits for very high spenders.
No Fuel Points on wallet loading, government, EMI, rental, gold purchases, or non-IndianOil fuel.
A ₹99 + GST fee applies for redeeming Fuel Points as cashback or for catalog products.
Cons
Key drawbacks and limitations.
Low reward rate for spending categories other than fuel purchases.
Lacks premium benefits like lounge access, dining, or travel perks.
A rewards redemption fee of ₹99 + GST applies to point redemptions.
Monthly cap of 1,000 Fuel Points limits maximum potential fuel savings.