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BPCL SBI Octane Credit Card VS IndianOil RBL Bank XTRA 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

These are the two strongest network-specific fuel cards in India, but tied to different oil companies. IndianOil RBL Bank XTRA earns 15 Fuel Points per ₹100 (7.5%) at IndianOil pumps, combining with the surcharge waiver for roughly 8.5% total value back - the higher of the two - for a ₹1,500 annual fee. BPCL SBI Octane earns 7.25% value back specifically at BPCL stations for a slightly lower ₹1,499 fee, and adds accelerated dining, movie, and grocery rewards alongside domestic lounge access - a better fit if your spending isn't purely fuel-focused. The real deciding factor is simpler than the numbers suggest: pick whichever oil company's pumps you actually drive past regularly, since neither card's fuel rate applies at the other's network.

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

Fees & Charges

Joining Fee₹1,499 + GST
Joining Fee₹1,500 + GST
Renewal Fee₹1,499 + GST
Renewal Fee₹1,500 + 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 ₹2.75 Lakh annually.
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 BonusGet 3,000 Fuel Points (worth ₹1,500) on joining fee payment & ₹500 spend in 30 days.
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 Rate7.5% on fuel purchases at IndianOil outlets; 2 Fuel Points for every ₹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% Fuel Surcharge Waiver up to ₹200 each month.

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% of the Cash Amount 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 XTRA 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 XTRA Credit Card is a specialized fuel credit card designed for individuals seeking substantial savings on fuel expenses, particularly at IndianOil outlets. It offers an impressive 7.5% reward rate on fuel purchases, combined with a 1% fuel surcharge waiver, leading to a total savings of 8.5%. Cardholders also benefit from welcome Fuel Points and milestone rewards, making it an ideal choice for frequent fuel users who prioritize value back on their fuel spends.

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 a high return of 7.5% on fuel purchases, a competitive rate among fuel cards.

Combined with the fuel surcharge waiver, total savings reach 8.5% on fuel.

Welcome benefits provide 3,000 Fuel Points, equivalent to ₹1,500 value.

Milestone rewards offer additional Fuel Points on achieving quarterly spend targets.

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.

Lacks diverse benefits like lounge access or dining discounts, unlike other cards.

Comes with a joining fee of ₹1,500 + GST, which might deter some users.

Users have reported issues with redeeming Fuel Points at some IndianOil outlets.

Excludes many common spend categories like utilities and rentals from rewards.

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 RBL Bank XTRA Credit Card(opens in new tab)