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
Annual Fee Waived on Spends of ₹1.75 Lakh
Next year's renewal fee waived on annual expenditure of Rs. 2 lakh.
Foreign Transaction Fees
3.50%
3.5% of the transaction amount
Interest Rate (APR)
2.5% to 3.99% Per Month
3.5% per month (42% per annum)
Rewards & Benefits
Welcome Bonus
1,000 Fuel Points
6,000 Bonus Reward Points Worth ₹1,500
Rewards Rate
10 Fuel Points/₹100 Spent at IndianOil Fuel Stations. 1 Fuel Point/₹100 on Other Eligible Purchases
25 Reward Points/₹100 Spent at BPCL Fuel Stations (Reward Rate = 7.25%), 10 RPs/₹100 Spent on Groceries, Departmental Stores, and Movie Tickets, and 1 Reward Point for Every ₹100 Spent on All Other Expenditures
Reward Type
Reward Points
Reward Points
Reward Redemption Fee
₹99 + GST
Rs. 99 (plus applicable taxes) per redemption request.
Travel & Lifestyle
Domestic Lounge Access
Not Applicable
4 complimentary access to domestic lounges every year (1 per quarter).
International Lounge Access
Not Applicable
Not Applicable
Travel Benefits
Not Applicable
Complimentary domestic airport lounge visits
Dining & Movie Benefits
Not Applicable
Accelerated 10 Reward Points for Every ₹100 Spent on Dining and Movie Tickets.
Golf Benefits
Not Applicable
Not Applicable
Fuel Surcharge Waiver
1% Waiver
1% fuel surcharge waiver on transactions up to Rs. 4,000 (max waiver of Rs. 100 in a month)
Security & Other
Insurance Benefits
Not Applicable
Fraud Liability Cover of ₹1 Lakh
Cash Advance Charges
2.5% or a Minimum of ₹500
2.5% of the withdrawn amount (subject to a minimum charge of Rs. 500)
Ready to Choose?
Based on your comparison, select the credit card that best matches your spending habits and financial goals.