Apollo SBI Card vs SBI BPCL Octane Credit Card Compared
Which credit card suits you? Side by side on the numbers that decide it. A blank means the provider has not published that figure, not that it is zero. Data last verified: 11 October 2026.
| Feature |  Apollo SBI CardState Bank of India2 recent changes → |  SBI BPCL Octane Credit CardState Bank of India3 recent changes → | |
|---|---|---|---|
| Rewards by spend | |||
| Rewards | 0.5% base, up to 2% on dining; 3% only at partner merchants | 0.25% base, up to 2.5% on dining; 6.25% only at partner merchants | |
| UPI payments (scan and pay)same | Earns nothing | Earns nothing | |
| Online shopping | 0.5% | 0.25% | |
| Dining and food delivery | 2% | 2.5% | |
| Groceries | 0.5%; 3% only at Apollo 24|7, Apollo Pharmacy, Apollo Hospitals & Clinics | 2.5% | |
| Travel: flights, hotels, trains | 0.5% | 0.25% | |
| Fuel | Earns nothing | 0.25%; 6.25% only at Bharat Petroleum | |
| Bills and recharges | 0.5% | 0.25% | |
| Rentsame | Earns nothing | Earns nothing | |
| Insurance premiums | 0.5% | 0.25% | |
| School and college fees | 0.5% | 0.25% | |
| Wallet top-upssame | Earns nothing | Earns nothing | |
| Taxes and government payments | Earns nothing | Not stated | |
| Spend abroad or in a foreign currency | 0.5% | 0.25% | |
| Everything else | 0.5% | 0.25% | |
| Card identity | |||
| Card type | Grocery | Fuel | |
| Network | Mastercard | Visa | |
| Card tier | Entry | Mid | |
| Fees | |||
| Joining fee | ₹499 + GST | ₹1,499 + GST | |
| Annual fee | ₹499 + GST | ₹1,499 + GST | |
| Fee waived at | ₹1,00,000 | ₹2,00,000 | |
| Eligibility | |||
| Employment typesame | BOTH | BOTH | |
| Rewards | |||
| Reward typesame | Reward points | Reward points | |
| Point value | ₹1 | ₹0 | |
| Fuel surcharge | |||
| Fuel surcharge waiversame | Yes | Yes | |
| Fuel waiver cap | - | ₹100 | |
| Lounge access | |||
| Domestic lounge visits | - | 4 | |
| International lounge visits | - | 0 | |
| Lounge condition | - | 4 complimentary domestic airport lounge visits a year (1 per quarter) | |
| Forex and international | |||
| Forex markupsame | 3.5% | 3.5% | |
| Interest and charges | |||
| Interest rate (monthly) | 3.75% | - | |
| Interest rate (annual) | 45% | - | |
| Page content | |||
| Documents needed | PAN card Aadhaar / address proof Income proof (salary slips or ITR) Recent passport-size photograph | PAN card Aadhaar / address proof Income proof (salary slips or ITR) | |
| Apply | Apply Now | Apply Now | |
Worth in Rupees at ₹20,000 a Month
- Rewards a year
- ₹2,100
- Fee a year
- ₹0
- You keep
- ₹2,100
- Rewards a year
- ₹1,956
- Fee a year
- ₹0
- You keep
- ₹1,956
At this spend, Apollo SBI Card comes out ₹144 a year ahead of SBI BPCL Octane Credit Card. Worked out from each card's published reward rate, caps and fee, on ₹20,000 a month. Your own spend changes the answer: try the rewards calculator.
Best For
- Groceries only at Apollo 24|7, Apollo Pharmacy, Apollo Hospitals & Clinics: 3% back
- Dining: 2% back
- Spending ₹8,333 or more a month: the ₹589 fee is waived
- Heavy drivers who fuel at BPCL
- Families with regular dining and grocery bills
- People wanting lounges on a mid-fee card
Watch-Outs
- Skip it if you spend less than ₹8,333 a month (₹1,00,000 a year, rent and wallet loads not counted): the ₹589 fee is then charged
- Skip it if most of your spending is fuel, rent, wallet top-ups or government payments: those earn nothing on this card
- Skip it if you pay mostly by UPI: a Visa or Mastercard card cannot pay by UPI
- Skip it if you rarely spend on Apollo 24|7, Apollo Pharmacy, Apollo Hospitals & Clinics: the 3% rate applies only there, everything else earns 0.5%
- Only about 0.25% on other spends
- Monthly caps on the 25X and 10X rates
- Fuel rewards only at BPCL pumps
Card data sourced via CardAdvisor.in (Apollo SBI Card, SBI BPCL Octane Credit Card), India Credit Card Facts, CC BY 4.0, adapted by SkyloFin.
Questions People Ask
Which has the lower annual fee, Apollo SBI Card or SBI BPCL Octane Credit Card?
Apollo SBI Card. Apollo SBI Card: ₹499; SBI BPCL Octane Credit Card: ₹1,499. Check whether a spend-based waiver applies before you decide.
Which is better for spending abroad?
Apollo SBI Card has the lowest forex markup. Apollo SBI Card: 3.5%; SBI BPCL Octane Credit Card: 3.5%. The markup is charged on every foreign-currency transaction, before GST.
Which earns more on everyday spending?
On spends outside any bonus category: Apollo SBI Card 0.5%, SBI BPCL Octane Credit Card 0.25%. Bonus categories, rates limited to named merchants and monthly caps change the picture, so compare the rewards by spend too.
Can I hold more than one of these cards?
Usually yes, if each bank approves you. Many people keep one card for everyday spending and another for a specific use such as travel. Each application is a separate credit check.
Work Out the Numbers
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