Share

AU CS 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: 5 October 2026.

AU CS Credit Card versus SBI BPCL Octane Credit Card compared
FeatureAU CS Credit CardAU CS Credit CardAU Small Finance Bank5 recent changes →
SBI BPCL Octane Credit CardSBI BPCL Octane Credit CardState Bank of India3 recent changes →
Rewards by spend
Rewards0.5% base, up to 2% 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 shopping0.5%; 2% only at Software purchases0.25%
Dining and food delivery2%2.5%
Groceries0.5%2.5%
Travel: flights, hotels, trains2%0.25%
FuelEarns nothing0.25%; 6.25% only at Bharat Petroleum
Bills and rechargessame0.25%0.25%
RentsameEarns nothingEarns nothing
Insurance premiums0.5%0.25%
School and college feesEarns nothing0.25%
Wallet top-upssameEarns nothingEarns nothing
Taxes and government paymentsNot stated; 2% only at Tax paymentsNot 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 feeFree₹1,499 + GST
Annual feeFree₹1,499 + GST
Lifetime freeYesNo
Fee waived at-₹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₹250₹100
Lounge access
Domestic lounge visits84
International lounge visitssame00
Lounge conditionSpend Rs 50,000 in the previous quarter for domestic lounge access4 complimentary domestic airport lounge visits a year (1 per quarter)
Forex and international
Forex markup1.99%3.5%
Interest and charges
Interest rate (monthly)2.99%-
Interest rate (annual)35.88%-
Page content
Documents neededPAN card ICSI membership proof Aadhaar / valid address proof Latest 3 months bank statement Income proof, salary slips (salaried) or ITR (self-employed)PAN card Aadhaar / address proof Income proof (salary slips or ITR)
ApplyApply NowApply Now

Worth in Rupees at ₹20,000 a Month

AU CS Credit Card
Rewards a year
₹2,100
Fee a year
₹0
You keep
₹2,100
SBI BPCL Octane Credit Card
Rewards a year
₹1,956
Fee a year
₹0
You keep
₹1,956

At this spend, AU CS Credit 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

AU CS Credit Card
  • Online shopping only at Software purchases: 2% back, up to ₹1,250 a month
  • Dining: 2% back, up to ₹1,250 a month
  • Anyone who wants no annual fee, ever
  • Flyers: 8 airport lounge visits a year
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 CS Credit Card
  • Skip it if most of your spending is fuel, rent, education or wallet top-ups: 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 spend a lot on government payments: the card's terms do not state a rate there, so we count nothing
  • Skip it if you rarely spend on Software purchases, dining, travel or Tax payments: the 2% rate applies only there, everything else earns 0.5%
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 CS 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 CS Credit Card or SBI BPCL Octane Credit Card?

AU CS Credit Card. AU CS Credit Card: no annual fee; SBI BPCL Octane Credit Card: ₹1,499. Check whether a spend-based waiver applies before you decide.

Which is better for spending abroad?

AU CS Credit Card has the lowest forex markup. AU CS Credit Card: 1.99%; 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 CS 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 CS Credit Card: 8 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

Other Comparisons

We earn a commission if you are approved, and you pay nothing extra. How we make money.

Compare all the credit cards we list

Credit Cards

Guides in Plain Words

Short reads that explain how it works before you decide.

All Credit Cards guides
SkyloFin - Expense Tracker

Your Money. One Clear View.

Automatically organise your spending, track expenses and understand where your money goes.

  • Reads bank SMS No account linking, no passwords.
  • Sorts every rupee Into categories you can edit.
  • Bills and cards Statements found, due dates reminded.
  • Your Google Drive Backed up to you, never to us.
Get the AppSee how it works