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Bank of Baroda Premier 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.

Bank of Baroda Premier Credit Card versus SBI BPCL Octane Credit Card compared
FeatureBank of Baroda Premier Credit CardBank of Baroda Premier Credit CardBank of Baroda5 recent changes →
SBI BPCL Octane Credit CardSBI BPCL Octane Credit CardState Bank of India3 recent changes →
Rewards by spend
Rewards0.5% base, up to 2.5% 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%0.25%
Dining and food deliverysame2.5%2.5%
Groceries0.5%2.5%
Travel: flights, hotels, trains2.5%0.25%
FuelEarns nothing0.25%; 6.25% only at Bharat Petroleum
Bills and recharges0.5%0.25%
RentsameEarns nothingEarns nothing
Insurance premiumsEarns nothing0.25%
School and college feesEarns nothing0.25%
Wallet top-upssameEarns nothingEarns nothing
Taxes and government paymentssameNot statedNot stated
Spend abroad or in a foreign currency2.5%0.25%
Everything else0.5%0.25%
Card identity
Card typeDiningFuel
NetworksameVisaVisa
Card tiersameMidMid
Fees
Joining fee₹1,000 + GST₹1,499 + GST
Annual fee₹1,000 + GST₹1,499 + GST
Fee waived at₹1,20,000₹2,00,000
Eligibility
Min age25 years-
Max age55 years-
Employment typesameBOTHBOTH
Min monthly salary₹60,000-
Rewards
Reward typesameReward pointsReward points
Point valuesame₹0₹0
Fuel surcharge
Fuel surcharge waiversameYesYes
Fuel waiver cap₹250₹100
Lounge access
Domestic lounge visitssame44
International lounge visitssame00
Lounge conditionSpend Rs 20,000 in the previous quarter for domestic lounge access4 complimentary domestic airport lounge visits a year (1 per quarter)
Forex and international
Forex markupsame3.5%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

Bank of Baroda Premier Credit Card
Rewards a year
₹2,400
Fee a year
₹0
You keep
₹2,400
SBI BPCL Octane Credit Card
Rewards a year
₹1,956
Fee a year
₹0
You keep
₹1,956

At this spend, Bank of Baroda Premier Credit Card comes out ₹444 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

Bank of Baroda Premier Credit Card
  • People who dine out often
  • Domestic travellers
  • Users wanting a low-fee card with lounge access
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

Bank of Baroda Premier Credit Card
  • 3.5% forex markup eats most of the foreign spend reward
  • Accelerated rewards are capped each month
  • Lounge visits need Rs 20,000 spend in the previous quarter
  • No international lounge access
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 (Bank of Baroda Premier 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, Bank of Baroda Premier Credit Card or SBI BPCL Octane Credit Card?

Bank of Baroda Premier Credit Card. Bank of Baroda Premier Credit Card: ₹1,000; SBI BPCL Octane Credit Card: ₹1,499. Check whether a spend-based waiver applies before you decide.

Which is better for spending abroad?

Bank of Baroda Premier Credit Card has the lowest forex markup. Bank of Baroda Premier Credit 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: Bank of Baroda Premier 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?

Bank of Baroda Premier Credit Card: 4 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.

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