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Equitas Bank Selfe 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.

Equitas Bank Selfe Credit Card versus SBI BPCL Octane Credit Card compared
FeatureEquitas Bank Selfe Credit CardEquitas Bank Selfe Credit CardEquitas Small Finance Bank
SBI BPCL Octane Credit CardSBI BPCL Octane Credit CardState Bank of India3 recent changes →
Rewards by spend
RewardsRewards not published0.25% base, up to 2.5% on dining; 6.25% only at partner merchants
UPI payments (scan and pay)Not statedEarns nothing
Online shoppingNot stated0.25%
Dining and food deliveryNot stated2.5%
GroceriesNot stated2.5%
Travel: flights, hotels, trainsNot stated0.25%
FuelNot stated0.25%; 6.25% only at Bharat Petroleum
Bills and rechargesNot stated0.25%
RentNot statedEarns nothing
Insurance premiumsNot stated0.25%
School and college feesNot stated0.25%
Wallet top-upsNot statedEarns nothing
Taxes and government paymentssameNot statedNot stated
Spend abroad or in a foreign currencyNot stated0.25%
Everything elseNot stated0.25%
Card identity
Card typeRewardsFuel
NetworkVisa, RuPayVisa
Card tier-Mid
Fees
Joining feeRs 1,000₹1,499 + GST
Annual feeRs 1,000₹1,499 + GST
Fee waived at₹2,40,000₹2,00,000
Eligibility
Min age22 years-
Max age60 years-
Employment type-BOTH
Min monthly salary₹50,000-
Rewards
Reward typesameReward pointsReward points
Point value-₹0
Fuel surcharge
Fuel surcharge waiverNoYes
Fuel waiver cap-₹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 markupsame3.5%3.5%
UPI rewards
Works on UPI-No
Page content
Documents needed-PAN card Aadhaar / address proof Income proof (salary slips or ITR)
ApplyApply NowApply Now

Best For

Equitas Bank Selfe Credit Card
  • People with two clear spending habits
  • OTT subscribers who want a membership included
  • First-time card users wanting some choice
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

Equitas Bank Selfe Credit Card
  • No airport lounge access
  • 3.5% forex fee on foreign spends
  • Only 2 of 5 categories get the higher rate
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, India Credit Card Facts, CC BY 4.0, adapted by SkyloFin.

Questions People Ask

Which has the lower annual fee, Equitas Bank Selfe Credit Card or SBI BPCL Octane Credit Card?

Equitas Bank Selfe Credit Card. Equitas Bank Selfe 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?

Equitas Bank Selfe Credit Card has the lowest forex markup. Equitas Bank Selfe Credit Card: 3.5%; SBI BPCL Octane Credit Card: 3.5%. The markup is charged on every foreign-currency transaction, before GST.

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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