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ICAI Exclusive BOBCARD 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.

ICAI Exclusive BOBCARD Credit Card versus SBI BPCL Octane Credit Card compared
FeatureICAI Exclusive BOBCARD Credit CardICAI Exclusive BOBCARD Credit CardBank of Baroda5 recent changes →
SBI BPCL Octane Credit CardSBI BPCL Octane Credit CardState Bank of India3 recent changes →
Rewards by spend
Rewards0.25% base, up to 1.25% on dining0.25% base, up to 2.5% on dining; 6.25% only at partner merchants
UPI payments (scan and pay)0.25%Earns nothing
Online shopping1.25%0.25%
Dining and food delivery1.25%2.5%
GroceriesEarns nothing2.5%
Travel: flights, hotels, trainssame0.25%0.25%
FuelEarns nothing0.25%; 6.25% only at Bharat Petroleum
Bills and recharges1.25%0.25%
RentsameEarns nothingEarns nothing
Insurance premiumsEarns nothing0.25%
School and college feesEarns nothing0.25%
Wallet top-upssameEarns nothingEarns nothing
Taxes and government paymentsEarns nothingNot stated
Spend abroad or in a foreign currencysame0.25%0.25%
Everything elsesame0.25%0.25%
Card identity
Card typeDiningFuel
NetworkMastercardVisa
Card tiersameMidMid
Fees
Joining feeFree₹1,499 + GST
Annual feeFree₹1,499 + GST
Lifetime freeYesNo
Fee waived at-₹2,00,000
Eligibility
Min age21 years-
Max age75 years-
Employment typesameBOTHBOTH
Min monthly salary₹25,000-
Rewards
Reward typesameReward pointsReward points
Point valuesame₹0₹0
Fuel surcharge
Fuel surcharge waiversameYesYes
Fuel waiver cap-₹100
Lounge access
Domestic lounge visits124
International lounge visitssame00
Lounge conditionSpend Rs 40,000 in the previous quarter for domestic lounge access4 complimentary domestic airport lounge visits a year (1 per quarter)
Forex and international
Forex markup2%3.5%
UPI rewards
Works on UPIYesNo
Interest and charges
Interest rate (monthly)3.75%-
Interest rate (annual)45%-
Page content
Documents neededICAI membership number and proof of active membership PAN card Aadhaar / valid address proof 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

ICAI Exclusive BOBCARD Credit Card
Rewards a year
₹1,212
Fee a year
₹0
You keep
₹1,212
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 ₹744 a year ahead of ICAI Exclusive BOBCARD 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

ICAI Exclusive BOBCARD Credit Card
  • Online shopping: 1.25% back, up to ₹250 a month
  • Dining: 1.25% back, up to ₹250 a month
  • Anyone who wants no annual fee, ever
  • Flyers: 12 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

ICAI Exclusive BOBCARD Credit Card
  • Skip it if most of your spending is groceries, fuel, rent or insurance: those earn nothing on this card
  • Skip it if you rarely spend on online shopping, dining or utility bills: the 1.25% rate applies only there, everything else earns 0.25%
  • Skip it if you sometimes pay only the minimum due: interest of 3.75% a month (45% a year) outweighs any reward
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 (ICAI Exclusive BOBCARD 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, ICAI Exclusive BOBCARD Credit Card or SBI BPCL Octane Credit Card?

ICAI Exclusive BOBCARD Credit Card. ICAI Exclusive BOBCARD 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?

ICAI Exclusive BOBCARD Credit Card has the lowest forex markup. ICAI Exclusive BOBCARD Credit Card: 2%; 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: ICAI Exclusive BOBCARD Credit Card 0.25%, 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?

ICAI Exclusive BOBCARD Credit Card: 12 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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