IndianOil RBL Bank 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.
Fees & Charges
Joining Fee
₹500 + GST
Rs. 1,499 + GST
Renewal Fee
₹500 + GST
Rs. 1,499 + GST
Spend Based Waiver
The annual fee of ₹500 can be waived by spending ₹1.75 Lakh in a year.
Renewal fee waived off on annual expenditure of ₹2 Lakh in the previous year.
Foreign Transaction Fees
3.5%
3.5% of the transaction amount.
Interest Rate (APR)
2.5% to 3.99% Per Month
3.75% per month (equivalent to 45% per annum).
Rewards & Benefits
Welcome Bonus
Receive 1,000 Fuel Points as a welcome benefit upon card issuance.
Receive 6,000 bonus Reward Points (worth ₹1,500) upon annual fee realization and renewal.
Rewards Rate
Earn an accelerated 10 Fuel Points for every ₹100 spent at IndianOil fuel stations.
Up to 7.25% value back on BPCL fuel (25 RPs/₹100). 10 RPs/₹100 on dining, movies, groceries.
Reward Type
Reward Points
Reward Points
Reward Redemption Fee
₹99 + GST
₹99 (plus taxes) per request, waived for fuel redemption at BPCL petrol pumps.
Travel & Lifestyle
Domestic Lounge Access
Not Applicable
4 complimentary accesses to domestic airport lounges annually, limited to 1 per quarter.
International Lounge Access
Not Applicable
No complimentary international lounge access is provided with this card.
Travel Benefits
Not Applicable
Includes 4 complimentary domestic lounge accesses annually. Best for frequent road trippers.
Movie Benefits
Not Applicable
Earn 10 Reward Points for every ₹100 spent on movie tickets.
Dining Benefits
Not Applicable
Earn 10 Reward Points for every ₹100 spent on dining.
Golf Benefits
Not Applicable
No golf benefits are offered with this card.
Fuel Surcharge Waiver
1% waiver on fuel transactions.
1% waiver on fuel transactions up to ₹4,000 (max ₹100/month) at all pumps.
Security & Other
Insurance Benefits
Not Applicable
Complimentary Fraud Liability Cover of ₹1 Lakh is included.
Cash Advance Charges
2.5% of the advanced amount or a minimum of ₹500, whichever is higher.
2.5% of withdrawn amount, minimum ₹500.