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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.

Features

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
₹1,499 + GST
Renewal Fee
₹199 + GST
₹1,499 + GST
Spend Based Waiver
Annual fee waiver on spending ₹50,000 or more in an anniversary year.
The annual renewal fee is waived on an annual expenditure of ₹2,00,000 or more in the preceding year.
Foreign Transaction Fees
3.5% of transaction amount.
3.5% of the transaction amount.
Interest Rate (APR)
3.4% p.m. (40.8% p.a.) overall, 3.75% p.m. for ATM cash/min. due payments.
3.75% per month (45% per annum).

Rewards & Benefits

Welcome Bonus
Not Applicable
Get 6,000 bonus Reward Points worth ₹1,500 on payment of the annual fee, credited within 30 days.
Rewards Rate
Earn 2 RP/₹100 on retail, 1 RP/₹100 on utility/insurance, 6x-12x on iShop.
Earn 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 Type
Reward Points
Reward Points
Reward Redemption Fee
₹99 + taxes per redemption request.
₹99 + applicable taxes per redemption request (not applicable for fuel redemption at BPCL pumps).

Travel & Lifestyle

Domestic Lounge Access
Not Applicable
Enjoy 4 complimentary domestic airport lounge visits per calendar year, with a maximum of 1 visit per quarter.
International Lounge Access
Not Applicable
Travel Benefits
Not Applicable
Movie Benefits
25% discount on movie tickets up to ₹100, twice/month via BookMyShow on 2+ tickets.
Earn 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 Benefits
Up to 15% discount on dining across 800+ partner restaurants via Culinary Treats Programme.
Earn 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
Not Applicable
Fuel Surcharge Waiver
1% waiver on fuel surcharge at HPCL pumps for transactions ₹400-₹4,000 and ₹4,000+.
1% 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
Not Applicable
Complimentary Fraud Liability Cover of ₹1 Lakh.
Cash Advance Charges
2.5% of amount withdrawn, minimum ₹300.
2.5% 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 a co-branded card offering significant savings on fuel at HPCL pumps, along with attractive discounts on movies and dining. With low fees and an easy waiver condition, it's ideal for vehicle owners seeking value in everyday spending and entertainment. Its flexible reward system further enhances its appeal.

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 of up to 3.5% on fuel purchases at all HPCL petrol pumps.

Features a low joining and annual fee of just ₹199 + GST, making it economical.

Easily waive the annual fee by spending ₹50,000 or more in an anniversary year.

Enjoy attractive discounts on movie tickets via BookMyShow and dining offers.

Reward points are flexible, redeemable for various products, vouchers, or 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.

Cons

Key drawbacks and limitations.

A relatively high foreign currency markup of 3.5% for international transactions.

High interest rates applicable on cash advances and outstanding balances.

Fuel purchases do not earn standard reward points, only specific cashback/waiver.

A redemption fee of ₹99 plus taxes is charged for each reward point redemption request.

Lacks premium travel benefits such as domestic or international lounge access.

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.