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AU Altura 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.

AU Altura Credit Card versus SBI BPCL Octane Credit Card compared
FeatureAU Altura Credit CardAU Altura Credit CardAU Small Finance Bank5 recent changes →
SBI BPCL Octane Credit CardSBI BPCL Octane Credit CardState Bank of India3 recent changes →
Rewards by spend
Rewards1% base, up to 2% on groceries0.25% base, up to 2.5% on dining; 6.25% only at partner merchants
UPI payments (scan and pay)1%Earns nothing
Online shopping1%0.25%
Dining and food delivery1%2.5%
Groceries2%2.5%
Travel: flights, hotels, trains1%0.25%
FuelEarns nothing0.25%; 6.25% only at Bharat Petroleum
Bills and recharges2%0.25%
RentsameEarns nothingEarns nothing
Insurance premiums1%0.25%
School and college feesEarns nothing0.25%
Wallet top-upssameEarns nothingEarns nothing
Taxes and government paymentsEarns nothingNot stated
Spend abroad or in a foreign currency1%0.25%
Everything else1%0.25%
Card identity
Card typeGroceryFuel
NetworkRuPayVisa
Card tierEntryMid
Fees
Joining fee₹199 + GST₹1,499 + GST
Annual fee₹199 + GST₹1,499 + GST
Fee waived at₹40,000₹2,00,000
Eligibility
Min age21 years-
Max age65 years-
Employment typesameBOTHBOTH
Rewards
Reward typeCashbackReward points
Point value₹1₹0
Fuel surcharge
Fuel surcharge waiversameYesYes
Fuel waiver capsame₹100₹100
Lounge access
Domestic lounge visits04
International lounge visitssame00
Railway lounge visits8-
Lounge condition2 complimentary railway lounge visits each quarter (8 a year), railway stations only, no airport lounge access4 complimentary domestic airport lounge visits a year (1 per quarter)
Forex and international
Forex markup3.49%3.5%
Interest and charges
Interest rate (monthly)3.75%-
Interest rate (annual)45%-
Page content
Documents neededPAN card Aadhaar / valid address proof Latest 3 months bank statement Income proof, salary slips (salaried) or ITR (self-employed) Recent passport-size photographPAN card Aadhaar / address proof Income proof (salary slips or ITR)
ApplyApply NowApply Now

Worth in Rupees at ₹20,000 a Month

AU Altura Credit Card
Rewards a year
₹1,200
Fee a year
₹0
You keep
₹1,200
SBI BPCL Octane Credit Card
Rewards a year
₹1,956
Fee a year
₹0
You keep
₹1,956

At this spend, SBI BPCL Octane Credit Card comes out ₹756 a year ahead of AU Altura 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

AU Altura Credit Card
  • First-time card users
  • People who want simple cashback
  • Small monthly spenders
SBI BPCL Octane Credit Card
  • Heavy drivers who fuel at BPCL
  • Families with regular dining and grocery bills
  • People wanting lounges on a mid-fee card

Watch-Outs

AU Altura Credit Card
  • Cashback capped at Rs 50 a cycle per category
  • Not worth it for big spenders
  • 3.49% forex markup
SBI BPCL Octane Credit Card
  • 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 (AU Altura Credit 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, AU Altura Credit Card or SBI BPCL Octane Credit Card?

AU Altura Credit Card. AU Altura Credit Card: ₹199; SBI BPCL Octane Credit Card: ₹1,499. Check whether a spend-based waiver applies before you decide.

Which is better for spending abroad?

AU Altura Credit Card has the lowest forex markup. AU Altura Credit Card: 3.49%; 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: AU Altura Credit Card 1%, 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.

Which gives airport lounge access?

AU Altura Credit Card: no complimentary lounge visits; SBI BPCL Octane Credit Card: 4 domestic lounge visits a year. Some cards need a minimum spend in the quarter before a visit counts, so check the lounge terms.

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.

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