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AU Ananta 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 Ananta Credit Card versus SBI BPCL Octane Credit Card compared
FeatureAU Ananta Credit CardAU Ananta Credit CardAU Small Finance Bank3 recent changes →
SBI BPCL Octane Credit CardSBI BPCL Octane Credit CardState Bank of India3 recent changes →
Rewards by spend
Rewards0.5% base, up to 1.25% on dining0.25% base, up to 2.5% on dining; 6.25% only at partner merchants
UPI payments (scan and pay)sameEarns nothingEarns nothing
Online shopping1.25%0.25%
Dining and food delivery1.25%2.5%
Groceries0.5%2.5%
Travel: flights, hotels, trains1.25%0.25%
FuelEarns nothing0.25%; 6.25% only at Bharat Petroleum
Bills and rechargessame0.25%0.25%
RentsameEarns nothingEarns nothing
Insurance premiumssame0.25%0.25%
School and college feesEarns nothing0.25%
Wallet top-ups0.5%Earns nothing
Taxes and government paymentsEarns nothingNot stated
Spend abroad or in a foreign currency0.5%0.25%
Everything else0.5%0.25%
Card identity
Card typeDiningFuel
NetworksameVisaVisa
Card tiersameMidMid
Fees
Joining fee₹2,000 + GST₹1,499 + GST
Annual fee₹2,000 + GST₹1,499 + GST
Fee waived at₹3,00,000₹2,00,000
Eligibility
Min age21 years-
Max age65 years-
Employment typesameBOTHBOTH
Rewards
Reward typesameReward pointsReward points
Point valuesame₹0₹0
Fuel surcharge
Fuel surcharge waiversameYesYes
Fuel waiver cap₹200₹100
Lounge access
Domestic lounge visits164
International lounge visitssame00
Lounge condition4 complimentary domestic airport lounge visits per calendar quarter, unlocked by booking a ₹5,000+ flight via AU Rewardz that quarter4 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 Ananta Credit Card
Rewards a year
₹1,656
Fee a year
- ₹2,360
You keep
- ₹704
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 ₹2,660 a year ahead of AU Ananta 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 Ananta Credit Card
  • Salaried users earning Rs 25,000 a month or more
  • Heavy online shoppers and diners
  • People who spend Rs 3 lakh or more a year on one card
  • Occasional domestic flyers who book through the bank portal
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 Ananta Credit Card
  • 5X earning is capped at 5,000 points a statement, shared across all three categories
  • Lounge visits need a Rs 5,000 flight booking on AU Rewardz that quarter
  • No points on fuel, rent, education, government payments, EMIs or bill payments via BBPS
  • 3.49% forex markup makes it poor for foreign spends
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 Ananta 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 Ananta Credit Card or SBI BPCL Octane Credit Card?

SBI BPCL Octane Credit Card. SBI BPCL Octane Credit Card: ₹1,499; AU Ananta Credit Card: ₹2,000. Check whether a spend-based waiver applies before you decide.

Which is better for spending abroad?

AU Ananta Credit Card has the lowest forex markup. AU Ananta 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 Ananta Credit 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.

Which gives airport lounge access?

AU Ananta Credit Card: 16 domestic lounge visits a year; 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.

Work Out the Numbers

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