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IRCTC SBI Card Premier VS BPCL SBI Credit Card VS Apollo SBI Credit Card VS BPCL SBI Octane Credit Card

A detailed, side-by-side look at 4 leading credit cards. Analyze the features that matter most to you and make an informed choice.
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Last updated: 3 July 2026
IRCTC SBI Card Premier
IRCTC SBI Card Premier
BPCL SBI Credit Card
BPCL SBI Credit Card
Apollo SBI Credit Card
Apollo SBI Credit Card
BPCL SBI Octane Credit Card
BPCL SBI Octane Credit Card

Fees & Charges

Joining Fee₹1,499 + GST
Joining Fee₹499 + GST
Joining Fee₹1,499 + GST
Joining Fee₹1,499 + GST
Renewal Fee₹1,499 + GST
Renewal Fee₹499 + GST
Renewal Fee₹1,499 + GST
Renewal Fee₹1,499 + GST
Spend Based WaiverRenewal fee waived on achieving annual spends of ₹2 Lakhs.
Spend Based WaiverRenewal fee waived if annual spends for the preceding year are Rs. 50,000 or more.
Spend Based WaiverRenewal fee waiver on annual spends of Rs. 3 Lakh or more for SELECT variant.
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% markup on all international transactions.
Foreign Transaction Fees3.5% of the transaction amount.
Foreign Transaction Fees3.5% markup on international transactions (for base variant).
Foreign Transaction Fees3.5% of the transaction amount.
Interest Rate (APR)Monthly interest rate of 3.5% (approx 42% per annum).
Interest Rate (APR)Monthly 3.5%-3.75% (42-45% annually).
Interest Rate (APR)3.5% per month (42% annually) for base variant.
Interest Rate (APR)3.75% per month (45% per annum).

Rewards & Benefits

Welcome BonusGet 1500 Reward Points (worth ₹1500) on payment of the first annual fee.
Welcome BonusGet 2,000 Activation Bonus Reward Points worth Rs. 500 on payment of the joining fee.
Welcome BonusRs.1,500 Apollo 24|7 e-Gift Voucher, complimentary FITPASS PRO & Apollo Circle Benefits.
Welcome BonusGet 6,000 bonus Reward Points worth ₹1,500 on payment of the annual fee, credited within 30 days.
Rewards RateUp to 10% value back on IRCTC railway bookings. 3 RP/₹125 on dining & utilities. 1 RP/₹125 on other retail.
Rewards Rate4.25% Valueback on fuel. 5 points per Rs. 100 on select categories & 1 point on others.
Rewards RateUp to 10 RP per Rs.100 on Apollo 24|7 (SELECT), 2 RP on Dining/Movies/Travel, 1 RP per Rs.200 on other spends.
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
Reward TypeReward Points
Reward TypeReward Points
Reward TypeReward Points
Reward Redemption FeeA fee of ₹99 is applicable per rewards redemption request.
Reward Redemption FeeRs. 99 (plus applicable taxes) per redemption request.
Reward Redemption FeeRs. 99 per redemption request (for base variant). Not mentioned for SELECT.
Reward Redemption Fee₹99 + applicable taxes per redemption request (not applicable for fuel redemption at BPCL pumps).

Travel & Lifestyle

Domestic Lounge Access8 complimentary railway lounge accesses annually across India (max 2 per quarter) for primary cardholders.
Domestic Lounge AccessNot Applicable
Domestic Lounge Access4 complimentary Domestic Lounge visits per year (max 1 per quarter) for SELECT variant.
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 AccessNot Applicable
International Lounge Access2-year complimentary Priority Pass Membership worth $99 for SELECT variant.
International Lounge Access
Travel Benefits8 complimentary railway lounge access annually (max 2/quarter). Waivers on IRCTC railway/airline booking charges.
Travel BenefitsNot Applicable
Travel BenefitsEarn 2 RP per Rs.100 spent on Travel (SELECT). Includes lounge access benefits.
Travel Benefits
Movie Benefits
Movie BenefitsEarn 5 Reward Points on every Rs. 100 spent on movie tickets (5X Reward Points).
Movie BenefitsEarn 2 RP per Rs.100 on Movies & Entertainment (SELECT); 2x RP on Movies (base card).
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 BenefitsEarn 3 Reward Points per ₹125 spent on Dining expenses.
Dining BenefitsEarn 5 Reward Points on every Rs. 100 spent on dining (5X Reward Points).
Dining BenefitsEarn 2 RP per Rs.100 on Dining (SELECT); 2x RP on Dining (base card).
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 BenefitsNot Applicable
Golf BenefitsNot Applicable
Golf Benefits
Fuel Surcharge Waiver1% waiver on fuel transactions between ₹500-₹4000 (max ₹250/cycle).
Fuel Surcharge Waiver1% waiver up to Rs. 100 per billing cycle on transactions up to Rs. 4,000 at BPCL pumps.
Fuel Surcharge Waiver1% waiver across all petrol pumps, capped at Rs.100/month on transactions Rs.500-Rs.4000 (SELECT).
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 BenefitsComplimentary fraud liability cover of ₹1 lakh & overseas accident cover of ₹50 lakh.
Insurance BenefitsNot Applicable
Insurance BenefitsZero Lost Card Liability. No other specific insurance benefits mentioned.
Insurance BenefitsComplimentary Fraud Liability Cover of ₹1 Lakh.
Cash Advance Charges2.5% of cash advance or ₹500, whichever is higher.
Cash Advance Charges2.5% of withdrawn amount, subject to a minimum charge of Rs. 500.
Cash Advance Charges2.5% of amount or Rs. 500, whichever is higher (for base variant).
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.

IRCTC SBI Card Premier

BPCL SBI Credit Card

Apollo SBI Credit Card

BPCL SBI Octane Credit Card

Who is it for?

The IRCTC SBI Card Premier is a co-branded credit card from SBI Card and IRCTC, tailored for frequent railway travelers. It offers a welcome bonus of 1,500 Reward Points, accelerated earnings on IRCTC transactions, dining, and utility spends. Cardholders enjoy complimentary railway lounge access and significant savings on railway, flight, and hotel bookings. An annual fee waiver on specific spending milestones further enhances its value, making it a comprehensive choice for travel and lifestyle benefits.

Who is it for?

The BPCL SBI Card is an excellent entry-level credit card, co-branded with BPCL, ideal for everyday users. It offers significant value back on fuel purchases at BPCL stations, with a total of 4.25% value back, including a fuel surcharge waiver. Beyond fuel, cardholders benefit from accelerated reward points on common spending categories such as dining, groceries, departmental stores, and movies. This card provides practical savings on essential expenses with a nominal annual fee, making it a great choice for maximizing daily expenditures.

Who is it for?

The Apollo SBI Card SELECT is a specialized credit card offering extensive healthcare benefits through a collaboration with SBI Card and Apollo Hospitals. It provides exclusive perks like e-gift vouchers, complimentary health memberships, and accelerated reward points on healthcare spending. Beyond health, it offers rewards on dining, movies, entertainment, and travel, alongside lounge access and fuel surcharge waivers, making it ideal for frequent Apollo users.

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.

Offers significant savings and rewards for frequent Indian Railways travelers.

Generous 1:1 reward point value, with 1500 bonus points offsetting joining fee.

Enjoy complimentary railway lounge access and waivers on IRCTC booking fees.

Achieve annual fee waiver on spends over Rs. 2 Lakhs, enhancing long-term value.

Pros

Key benefits and features.

Offers great reward points and significant value back on fuel transactions at BPCL petrol pumps across India.

The BPCL SBI Card is highly accessible due to its competitive and low joining cost of just Rs. 499.

Provides attractive rewards on various everyday spending categories like groceries, dining, and movie tickets.

Pros

Key benefits and features.

Offers exclusive healthcare benefits and instant discounts at select Apollo Services.

Provides additional discounts when using the card at Apollo Hospitals for medical treatments.

Earns accelerated reward points on healthcare expenditures, maximizing savings on wellness.

Includes appealing welcome benefits, providing significant value upon card activation.

Offers reward points on general spending categories like dining, movies, entertainment.

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 redemption fee of Rs. 99 applies to each reward point redemption request.

High foreign currency markup of 3.5% for all international transactions.

Certain valuable insurance benefits like air/rail accident cover will be discontinued.

A 1% charge is levied on online railway ticket cancellations booked with the card.

Cons

Key drawbacks and limitations.

Cardholders will not receive any complimentary domestic or international airport lounge access.

There are no specific insurance benefits or covers included as part of this credit card's offerings.

Reward points are not earned on transactions for mobile wallet uploads or fuel purchases outside BPCL stations.

Cons

Key drawbacks and limitations.

The card's specialized focus primarily benefits frequent users of Apollo healthcare services.

Its value proposition is somewhat limited for individuals not regularly using Apollo Centres.

Lounge access and premium travel benefits may vary greatly depending on the specific card variant.

Reward point redemption is restricted only to Apollo Health Credits, services, or vouchers.

The base variant of the Apollo SBI Card lacks both domestic and 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.
Apply for IRCTC SBI Card Premier(opens in new tab)Apply for BPCL SBI Credit Card(opens in new tab)Apply for Apollo SBI Credit Card(opens in new tab)Apply for BPCL SBI Octane Credit Card(opens in new tab)