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Marriott Bonvoy HDFC Bank 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.

Marriott Bonvoy HDFC Bank Credit Card versus SBI BPCL Octane Credit Card compared
FeatureMarriott Bonvoy HDFC Bank Credit CardMarriott Bonvoy HDFC Bank Credit CardHDFC Bank5 recent changes →
SBI BPCL Octane Credit CardSBI BPCL Octane Credit CardState Bank of India3 recent changes →
Rewards by spend
Rewards0.8% base, up to 1.6% on dining0.25% base, up to 2.5% on dining; 6.25% only at partner merchants
UPI payments (scan and pay)sameEarns nothingEarns nothing
Online shopping0.8%0.25%
Dining and food delivery1.6%2.5%
Groceries0.8%2.5%
Travel: flights, hotels, trains1.6%0.25%
FuelEarns nothing0.25%; 6.25% only at Bharat Petroleum
Bills and recharges0.8%0.25%
RentsameEarns nothingEarns nothing
Insurance premiums0.8%0.25%
School and college fees0.8%0.25%
Wallet top-upssameEarns nothingEarns nothing
Taxes and government paymentsEarns nothingNot stated
Spend abroad or in a foreign currency0.8%0.25%
Everything else0.8%0.25%
Card identity
Card typeDiningFuel
NetworkDiners ClubVisa
Card tierPremiumMid
Fees
Joining fee₹3,000 + GST₹1,499 + GST
Annual fee₹3,000 + GST₹1,499 + GST
Fee waived at-₹2,00,000
Eligibility
Min age21 years-
Max age60 years-
Employment typesameBOTHBOTH
Min monthly salary₹1,00,000-
Rewards
Reward typeHotel pointsReward points
Point value₹1₹0
Fuel surcharge
Fuel surcharge waiverNoYes
Fuel waiver cap-₹100
Lounge access
Domestic lounge visits124
International lounge visits120
Lounge condition12 domestic and 12 international airport lounge visits a year, with no spend condition4 complimentary domestic airport lounge visits a year (1 per quarter)
Forex and international
Forex markupsame3.5%3.5%
Interest and charges
Interest rate (monthly)3.6%-
Interest rate (annual)43.2%-
Page content
Documents neededsamePAN card Aadhaar / address proof Income proof (salary slips or ITR)PAN card Aadhaar / address proof Income proof (salary slips or ITR)
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Worth in Rupees at ₹20,000 a Month

Marriott Bonvoy HDFC Bank Credit Card
Rewards a year
₹2,400
Fee a year
- ₹3,540
You keep
- ₹1,140
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 ₹3,096 a year ahead of Marriott Bonvoy HDFC Bank 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

Marriott Bonvoy HDFC Bank Credit Card
  • Regular Marriott hotel guests
  • Travellers who value hotel status
  • Frequent flyers who want lounge access
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

Marriott Bonvoy HDFC Bank Credit Card
  • Fee is charged every year with no waiver
  • Points are only useful within Marriott Bonvoy
  • About 0.8% back on everyday spends
  • Grocery rewards are capped each month
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 (Marriott Bonvoy HDFC Bank 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, Marriott Bonvoy HDFC Bank Credit Card or SBI BPCL Octane Credit Card?

SBI BPCL Octane Credit Card. SBI BPCL Octane Credit Card: ₹1,499; Marriott Bonvoy HDFC Bank Credit Card: ₹3,000. Check whether a spend-based waiver applies before you decide.

Which is better for spending abroad?

Marriott Bonvoy HDFC Bank Credit Card has the lowest forex markup. Marriott Bonvoy HDFC Bank 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: Marriott Bonvoy HDFC Bank Credit Card 0.8%, 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?

Marriott Bonvoy HDFC Bank 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.

Work Out the Numbers

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