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ICICI Bank HPCL Coral Credit Card VS BPCL SBI Octane 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 ICICI Bank HPCL Coral Credit Card and BPCL SBI Octane Credit Card suit fuel-focused spenders, but they earn and cost differently. ICICI Bank HPCL Coral Credit Card costs ₹199 + GST and earns 2 RP/₹100 on retail, 1 RP/₹100 on utility/insurance, 6x-12x on iShop. 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). 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. Weigh the fee against the reward rate above to see which fits your spending pattern better.

ICICI Bank HPCL Coral Credit Card
ICICI Bank HPCL Coral Credit Card
BPCL SBI Octane Credit Card
BPCL SBI Octane Credit Card

Fees & Charges

Joining Fee₹199 + GST
Joining Fee₹1,499 + GST
Renewal Fee₹199 + GST
Renewal Fee₹1,499 + GST
Spend Based WaiverAnnual fee waived if you spend ₹50,000 or more in the preceding year.
Spend Based WaiverThe annual renewal fee is waived on an annual expenditure of ₹2,00,000 or more in the preceding year.
Foreign Transaction Fees3.5% of the transaction amount.
Foreign Transaction Fees3.5% of the transaction amount.
Interest Rate (APR)3.4% per month (40.8% p.a.) on outstanding balances; 3.75% p.m. for ATM withdrawals.
Interest Rate (APR)3.75% per month (45% per annum).

Rewards & Benefits

Welcome Bonus
Welcome BonusGet 6,000 bonus Reward Points worth ₹1,500 on payment of the annual fee, credited within 30 days.
Rewards RateEarn 2 Reward Points on every ₹100 spent on retail purchases; 1 RP on Utility & Insurance.
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).
Reward TypeReward Points, Cashback
Reward TypeReward Points
Reward Redemption Fee₹99 + applicable taxes per redemption request.
Reward Redemption Fee₹99 + applicable taxes per redemption request (not applicable for fuel redemption at BPCL pumps).

Travel & Lifestyle

Domestic Lounge Access
Domestic Lounge AccessEnjoy 4 complimentary domestic airport lounge visits per calendar year, with a maximum of 1 visit per quarter.
International Lounge Access
International Lounge Access
Travel Benefits
Travel Benefits
Movie Benefits25% discount, up to ₹100, on movie tickets via BookMyShow, twice a month (conditional on ₹25,000 quarterly spend).
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.
Dining BenefitsUp to 15% discount on dining across over 800 participating restaurants through the Culinary Treats Programme.
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.
Golf Benefits
Golf Benefits
Fuel Surcharge Waiver1% waiver on fuel transactions worth ₹400 - ₹4,000 at HPCL pumps.
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).

Security & Other

Insurance Benefits
Insurance BenefitsComplimentary Fraud Liability Cover of ₹1 Lakh.
Cash Advance Charges2.5% of amount withdrawn, subject to a minimum of ₹300.
Cash Advance Charges2.5% of the withdrawn amount (minimum ₹500).
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Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

ICICI Bank HPCL Coral Credit Card

BPCL SBI Octane Credit Card

Who is it for?

The ICICI Bank HPCL Coral Credit Card is ideal for vehicle owners seeking significant fuel savings at HPCL pumps. It offers attractive discounts on movie tickets via BookMyShow and dining offers through the Culinary Treats Programme. With low fees and an achievable spend-based waiver, this card provides excellent value for everyday essential spending. Its co-branded nature ensures maximum benefits for fuel transactions, making it a top choice for its target audience.

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.

Pros

Key benefits and features.

Significant savings up to 3.5% on fuel transactions at HPCL pumps.

Low joining and annual fees of ₹199 + GST with an achievable waiver.

Enjoy 25% discount on movie tickets via BookMyShow, twice monthly.

Valuable dining offers through the Culinary Treats Programme.

Reward points can be redeemed for fuel, products, and shopping vouchers.

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.

Cons

Key drawbacks and limitations.

Fuel purchases are explicitly not eligible for earning reward points.

A rewards redemption fee of ₹99 + taxes applies per request.

High foreign currency markup of 3.5% on international transactions.

Movie benefit eligibility is conditional on a quarterly spend threshold.

High interest rates on cash advances and outstanding balances.

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.

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 ICICI Bank HPCL Coral Credit Card(opens in new tab)Apply for BPCL SBI Octane Credit Card(opens in new tab)