BOBCARD Select 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 |  BOBCARD Select Credit CardBank of Baroda5 recent changes → |  SBI BPCL Octane Credit CardState Bank of India3 recent changes → | |
|---|---|---|---|
| Rewards by spend | |||
| Rewards | 0.2% base, up to 1% on dining | 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 | 1% | 0.25% | |
| Dining and food delivery | 1% | 2.5% | |
| Groceries | 0.2% | 2.5% | |
| Travel: flights, hotels, trains | 0.2% | 0.25% | |
| Fuel | Earns nothing | 0.25%; 6.25% only at Bharat Petroleum | |
| Bills and recharges | 0.2% | 0.25% | |
| Rentsame | Earns nothing | Earns nothing | |
| Insurance premiums | Earns nothing | 0.25% | |
| School and college fees | Earns nothing | 0.25% | |
| Wallet top-upssame | Earns nothing | Earns nothing | |
| Taxes and government paymentssame | Not stated | Not stated | |
| Spend abroad or in a foreign currency | 0.2% | 0.25% | |
| Everything else | 0.2% | 0.25% | |
| Card identity | |||
| Card type | Dining | Fuel | |
| Networksame | Visa | Visa | |
| Card tiersame | Mid | Mid | |
| Fees | |||
| Joining fee | ₹750 + GST | ₹1,499 + GST | |
| Annual fee | ₹750 + GST | ₹1,499 + GST | |
| Fee waived at | ₹70,000 | ₹2,00,000 | |
| Eligibility | |||
| Min age | 25 years | - | |
| Max age | 55 years | - | |
| Employment typesame | BOTH | BOTH | |
| Min monthly salary | ₹40,000 | - | |
| Rewards | |||
| Reward typesame | Reward points | Reward points | |
| Point valuesame | ₹0 | ₹0 | |
| Fuel surcharge | |||
| Fuel surcharge waiversame | Yes | Yes | |
| Fuel waiver cap | ₹250 | ₹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 / valid address proof Latest 3 months bank statement Income proof, salary slips (salaried) or ITR (self-employed) 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
- ₹960
- Fee a year
- ₹0
- You keep
- ₹960
- Rewards a year
- ₹1,956
- Fee a year
- ₹0
- You keep
- ₹1,956
At this spend, SBI BPCL Octane Credit Card comes out ₹996 a year ahead of BOBCARD Select 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
- People who pay utility bills by card
- Online shoppers on a budget
- Diners who want some rewards
- Heavy drivers who fuel at BPCL
- Families with regular dining and grocery bills
- People wanting lounges on a mid-fee card
Watch-Outs
- About 1% at best, and capped monthly
- Only about 0.2% on regular retail
- 3.5% forex markup
- No lounge access
- 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 (BOBCARD Select 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, BOBCARD Select Credit Card or SBI BPCL Octane Credit Card?
BOBCARD Select Credit Card. BOBCARD Select Credit Card: ₹750; SBI BPCL Octane Credit Card: ₹1,499. Check whether a spend-based waiver applies before you decide.
Which is better for spending abroad?
BOBCARD Select Credit Card has the lowest forex markup. BOBCARD Select 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: SBI BPCL Octane Credit Card 0.25%, BOBCARD Select Credit Card 0.2%. 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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