IndianOil RBL Bank Credit Card vs BPCL SBI Octane Credit Card vs IndianOil HDFC Bank Credit Card
A detailed, side-by-side look at 3 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
Rs. 500 + GST
Renewal Fee
₹500 + GST
Rs. 1,499 + GST
Rs. 500 + 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.
The renewal fee will be waived on spends of Rs. 50,000
Foreign Transaction Fees
3.50%
3.5% of the transaction amount
3.5% of the amount transacted
Interest Rate (APR)
2.5% to 3.99% Per Month
3.5% per month (42% per annum)
3.6% per month (or 43.2% per annum)
Rewards & Benefits
Welcome Bonus
1,000 Fuel Points
6,000 Bonus Reward Points Worth ₹1,500
Not Applicable
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
5% of spends as Fuel Points at IndianOil outlets, groceries, and bill payments, 1 Fuel Point on every Rs. 150 spent on all other purchases, reward rate of up to 4.8%
Reward Type
Reward Points
Reward Points
Reward Points
Reward Redemption Fee
₹99 + GST
Rs. 99 (plus applicable taxes) per redemption request.
Rs 99 per redemption request
Travel & Lifestyle
Domestic Lounge Access
Not Applicable
4 complimentary access to domestic lounges every year (1 per quarter).
Not Applicable
International Lounge Access
Not Applicable
Not Applicable
Not Applicable
Travel Benefits
Not Applicable
Complimentary domestic airport lounge visits
Not Applicable
Dining & Movie Benefits
Not Applicable
Accelerated 10 Reward Points for Every ₹100 Spent on Dining and Movie Tickets.
Not Applicable
Golf Benefits
Not Applicable
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)
On a minimum fuel transaction of Rs. 400, you will get a fuel surcharge waiver of 1%.
Security & Other
Insurance Benefits
Not Applicable
Fraud Liability Cover of ₹1 Lakh
Not Applicable
Cash Advance Charges
2.5% or a Minimum of ₹500
2.5% of the withdrawn amount (subject to a minimum charge of Rs. 500)
2.5% of the amount withdrawn subject to a minimum charge of Rs 500.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.