BPCL SBI Card Octane vs IDFC FIRST HPCL Power+ 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 | IDFC FIRST HPCL Power+ Credit Card | |
|---|---|---|
| Issuer | SBI | IDFC |
| Annual fee | ₹1,499/yr | ₹499/yr ✓ |
| Joining fee | ₹1,499 | ₹499 |
| Best reward | 7.25% on Fuel | 5% on Fuel |
| Forex markup | 3.5% | 3.5% |
| Lounge access | No | No |
| Welcome benefit | ~₹1,499 | — |
| Min income | ₹30,000/mo | ₹25,000/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 IDFC FIRST HPCL Power+ 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 IDFC FIRST HPCL Power+ Credit Card — FAQs
Which has a lower annual fee, BPCL SBI Card Octane or IDFC FIRST HPCL Power+ Credit Card?
The IDFC FIRST HPCL Power+ Credit Card has the lower annual fee at ₹499/yr, versus ₹1,499/yr for the BPCL SBI Card Octane.
Do BPCL SBI Card Octane and IDFC FIRST HPCL Power+ Credit Card offer airport lounge access?
Neither card lists complimentary airport lounge access.
Which card has lower forex markup, BPCL SBI Card Octane or IDFC FIRST HPCL Power+ Credit Card?
Both cards charge the same 3.5% forex markup on international spends.
Which is better, BPCL SBI Card Octane or IDFC FIRST HPCL Power+ 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 IDFC FIRST HPCL Power+ Credit Card rewards fuel at 5%. Compare their fees and benefits above, or run your actual spending through our recommender for a personalised pick.