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Federal Bank Imperio 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.

Federal Bank Imperio Credit Card versus SBI BPCL Octane Credit Card compared
FeatureFederal Bank Imperio Credit CardFederal Bank Imperio Credit CardFederal Bank3 recent changes →
SBI BPCL Octane Credit CardSBI BPCL Octane Credit CardState Bank of India3 recent changes →
Rewards by spend
Rewards0.17% base, up to 0.5% on groceries0.25% base, up to 2.5% on dining; 6.25% only at partner merchants
UPI payments (scan and pay)sameEarns nothingEarns nothing
Online shopping0.17%0.25%
Dining and food delivery0.17%2.5%
Groceries0.5%2.5%
Travel: flights, hotels, trains0.17%0.25%
FuelEarns nothing0.25%; 6.25% only at Bharat Petroleum
Bills and recharges0.33%0.25%
RentsameEarns nothingEarns nothing
Insurance premiums0.17%0.25%
School and college fees0.17%0.25%
Wallet top-upssameEarns nothingEarns nothing
Taxes and government paymentsEarns nothingNot stated
Spend abroad or in a foreign currency0.17%0.25%
Everything else0.17%0.25%
Card identity
Card typeGroceryFuel
NetworksameVisaVisa
Card tiersameMidMid
Fees
Joining feeFree₹1,499 + GST
Annual feeFree₹1,499 + GST
Lifetime freeYesNo
Fee waived at₹0₹2,00,000
Eligibility
Min age21 years-
Employment typesameBOTHBOTH
Rewards
Reward typesameReward pointsReward points
Point valuesame₹0₹0
Fuel surcharge
Fuel surcharge waiversameYesYes
Fuel waiver cap₹150₹100
Lounge access
Domestic lounge visits84
International lounge visitssame00
Lounge conditionSpend Rs 40,000 in the qualifying billing cycle 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%-
Redemption
Redemption fee₹99-
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)
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Worth in Rupees at ₹20,000 a Month

Federal Bank Imperio Credit Card
Rewards a year
₹612
Fee a year
₹0
You keep
₹612
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 ₹1,344 a year ahead of Federal Bank Imperio 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

Federal Bank Imperio Credit Card
  • Groceries: 0.5% back
  • Utility bills: 0.33% back
  • 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

Federal Bank Imperio Credit Card
  • Skip it if most of your spending is fuel, rent, wallet top-ups or government payments: 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 rarely spend on groceries: the 0.5% rate applies only there, everything else earns 0.17%
  • Skip it if you often pay in foreign currency: 3.5% is added to every foreign spend
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 (Federal Bank Imperio 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, Federal Bank Imperio Credit Card or SBI BPCL Octane Credit Card?

Federal Bank Imperio Credit Card. Federal Bank Imperio 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?

Federal Bank Imperio Credit Card has the lowest forex markup. Federal Bank Imperio 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%, Federal Bank Imperio Credit Card 0.17%. 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?

Federal Bank Imperio 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

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