HDFC Bank Swiggy 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 |  HDFC Bank Swiggy Credit CardHDFC Bank7 recent changes → |  SBI BPCL Octane Credit CardState Bank of India3 recent changes → | |
|---|---|---|---|
| Rewards by spend | |||
| Rewards | 1% on most spends; 10% only at partner merchants | 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%; 5% only at Apparel, Electronics, Department Stores, Online Pet Stores, Home Décor, Personal Care, Local Cabs, Entertainment, Pharmacies, Discount Stores, Cleartrip | 0.25% | |
| Dining and food delivery | 1%; 10% only at Swiggy app | 2.5% | |
| Groceries | 1% | 2.5% | |
| Travel: flights, hotels, trains | 1% | 0.25% | |
| Fuel | Earns nothing | 0.25%; 6.25% only at Bharat Petroleum | |
| Bills and recharges | 1% | 0.25% | |
| Rentsame | Earns nothing | Earns nothing | |
| Insurance premiums | 1% | 0.25% | |
| School and college fees | 1% | 0.25% | |
| Wallet top-upssame | Earns nothing | Earns nothing | |
| Taxes and government payments | Earns nothing | Not stated | |
| Spend abroad or in a foreign currency | 1% | 0.25% | |
| Everything else | 1% | 0.25% | |
| Card identity | |||
| Card type | Dining | Fuel | |
| Network | Mastercard | Visa | |
| Card tiersame | Mid | Mid | |
| Fees | |||
| Joining fee | ₹500 + GST | ₹1,499 + GST | |
| Annual fee | ₹500 + GST | ₹1,499 + GST | |
| Fee waived atsame | ₹2,00,000 | ₹2,00,000 | |
| Eligibility | |||
| Min age | 21 years | - | |
| Max age | 60 years | - | |
| Employment type | - | BOTH | |
| Min monthly salary | ₹15,000 | - | |
| Rewards | |||
| Reward type | Cashback | Reward points | |
| Point value | ₹1 | ₹0 | |
| Fuel surcharge | |||
| Fuel surcharge waiver | No | Yes | |
| 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 markupsame | 3.5% | 3.5% | |
| Interest and charges | |||
| Interest rate (monthly) | 3.75% | - | |
| Interest rate (annual) | 45% | - | |
| Page content | |||
| Documents needed | - | 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
- ₹2,400
- Fee a year
- ₹0
- You keep
- ₹2,400
- Rewards a year
- ₹1,956
- Fee a year
- ₹0
- You keep
- ₹1,956
At this spend, HDFC Bank Swiggy 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
- Regular Swiggy food and Instamart users
- Online shoppers
- Young professionals living in cities
- Heavy drivers who fuel at BPCL
- Families with regular dining and grocery bills
- People wanting lounges on a mid-fee card
Watch-Outs
- Monthly caps on every cashback tier
- No lounge access
- Waiver needs Rs 2 lakh of spend
- 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 (HDFC Bank Swiggy 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, HDFC Bank Swiggy Credit Card or SBI BPCL Octane Credit Card?
HDFC Bank Swiggy Credit Card. HDFC Bank Swiggy Credit Card: ₹500; SBI BPCL Octane Credit Card: ₹1,499. Check whether a spend-based waiver applies before you decide.
Which is better for spending abroad?
HDFC Bank Swiggy Credit Card has the lowest forex markup. HDFC Bank Swiggy 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: HDFC Bank Swiggy Credit Card 1%, 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.
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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Guides in Plain Words
Short reads that explain how it works before you decide.
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- GuidesBest Credit Cards Under ₹1,000 a Year in India (2026)Credit cards with an annual fee of ₹1,000 or less (before GST) in 2026, ranked by the reward rate each bank states, with fee waivers.Read the guide →
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