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BPCL SBI Octane Credit Card VS IndianOil RBL 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.
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Last updated: 18 July 2026

Both BPCL SBI Octane Credit Card and IndianOil RBL Bank Credit Card suit fuel-focused spenders, but they earn and cost differently. 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 RBL Bank Credit Card costs ₹500 + GST and earns 10 Fuel Points/₹100 on IndianOil fuel, 1 Fuel Point/₹100 on other spends. BPCL SBI Octane Credit Card also brings enjoy 4 complimentary domestic airport lounge visits per calendar year, with a maximum of 1 visit per quarter, while IndianOil RBL Bank Credit Card counters with 1,000 Fuel Points. Weigh the fee against the reward rate above to see which fits your spending pattern better.

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

Fees & Charges

Joining Fee₹1,499 + GST
Joining Fee₹500 + GST
Renewal Fee₹1,499 + 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 WaiverAnnual fee waived on spends of ₹1.75 Lakh in a year.
Foreign Transaction Fees3.5% of the transaction amount.
Foreign Transaction Fees3.5%
Interest Rate (APR)3.75% per month (45% per annum).
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 Bonus1,000 Fuel Points upon joining.
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 10 Fuel Points/₹100 on IndianOil fuel, 1 Fuel Point/₹100 on other spends.
Reward TypeReward Points
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

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
International Lounge Access
International Lounge Access
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
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
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

Security & Other

Insurance BenefitsComplimentary Fraud Liability Cover of ₹1 Lakh.
Insurance Benefits
Cash Advance Charges2.5% of the withdrawn amount (minimum ₹500).
Cash Advance Charges2.5% or a minimum of ₹500
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Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

BPCL SBI Octane 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 RBL Bank Credit Card is an entry-level co-branded card designed for fuel purchases at IndianOil outlets. It offers a high reward rate of 5% on fuel spends and a 1% fuel surcharge waiver, leading to significant savings. With an affordable fee of ₹500 + GST, it's accessible for first-time users focused on fuel expenditure and can potentially save up to ₹6,000 annually on fuel.

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.

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.

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.

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)