BPCL SBI Card Octane vs IndianOil HDFC Bank Credit Card
A side-by-side comparison of fees, rewards, and benefits to help you pick the right card for your spending.
| BPCL SBI Card Octane | IndianOil HDFC Bank Credit Card | |
|---|---|---|
| Issuer | SBI | HDFC |
| Annual fee | ₹1,499/yr | ₹500/yr ✓ |
| Joining fee | ₹1,499 | ₹500 |
| Best reward | 7.25% on Fuel | 5% on Fuel |
| Forex markup | 3.5% | 3.5% |
| Lounge access | No | No |
| Welcome benefit | ~₹1,499 | ~₹250 |
| Min income | ₹30,000/mo | ₹15,000/mo |
| Expert rating | 4.4 / 5 ✓ | 4.3 / 5 |
Which should you pick?
Choose the BPCL SBI Card Octane if you want strong rewards on fuel. Consider the IndianOil HDFC Bank Credit Card if you spend more on fuel and prefer a lower fee. Your actual best card depends on how you spend — run your numbers below.
BPCL SBI Card Octane vs IndianOil HDFC Bank Credit Card — FAQs
Which has a lower annual fee, BPCL SBI Card Octane or IndianOil HDFC Bank Credit Card?
The IndianOil HDFC Bank Credit Card has the lower annual fee at ₹500/yr, versus ₹1,499/yr for the BPCL SBI Card Octane.
Do BPCL SBI Card Octane and IndianOil HDFC Bank Credit Card offer airport lounge access?
Neither card lists complimentary airport lounge access.
Which card has lower forex markup, BPCL SBI Card Octane or IndianOil HDFC Bank Credit Card?
Both cards charge the same 3.5% forex markup on international spends.
Which is better, BPCL SBI Card Octane or IndianOil HDFC Bank Credit Card?
Neither card is universally better — it depends on how you spend. The BPCL SBI Card Octane rewards fuel at 7.25%, while the IndianOil HDFC Bank Credit Card rewards fuel at 5%. Compare their fees and benefits above, or run your actual spending through our recommender for a personalised pick.