SBI BPCL Octane Credit Card vs Card PULSE 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 |  SBI BPCL Octane Credit CardState Bank of India3 recent changes → |  SBI Card PULSEState Bank of India4 recent changes → | |
|---|---|---|---|
| Rewards by spend | |||
| Rewards | 0.25% base, up to 2.5% on dining; 6.25% only at partner merchants | 0.5% base, up to 2.5% on dining | |
| UPI payments (scan and pay)same | Earns nothing | Earns nothing | |
| Online shopping | 0.25% | 0.5% | |
| Dining and food deliverysame | 2.5% | 2.5% | |
| Groceries | 2.5% | 0.5% | |
| Travel: flights, hotels, trains | 0.25% | 0.5% | |
| Fuel | 0.25%; 6.25% only at Bharat Petroleum | Earns nothing | |
| Bills and recharges | 0.25% | 0.5% | |
| Rentsame | Earns nothing | Earns nothing | |
| Insurance premiums | 0.25% | 0.5% | |
| School and college fees | 0.25% | 0.5% | |
| Wallet top-upssame | Earns nothing | Earns nothing | |
| Taxes and government payments | Not stated | Earns nothing | |
| Spend abroad or in a foreign currency | 0.25% | 0.5% | |
| Everything else | 0.25% | 0.5% | |
| Card identity | |||
| Card type | Fuel | Dining | |
| Networksame | Visa | Visa | |
| Card tiersame | Mid | Mid | |
| Fees | |||
| Joining feesame | ₹1,499 + GST | ₹1,499 + GST | |
| Annual feesame | ₹1,499 + GST | ₹1,499 + GST | |
| Fee waived atsame | ₹2,00,000 | ₹2,00,000 | |
| Eligibility | |||
| Employment typesame | BOTH | BOTH | |
| Rewards | |||
| Reward typesame | Reward points | Reward points | |
| Point valuesame | ₹0 | ₹0 | |
| Fuel surcharge | |||
| Fuel surcharge waiver | Yes | No | |
| Fuel waiver cap | ₹100 | - | |
| Lounge access | |||
| Domestic lounge visitssame | 4 | 4 | |
| International lounge visitssame | 0 | 0 | |
| Lounge programme | - | PRIORITY_PASS | |
| Priority Pass | No | Yes | |
| Lounge condition | 4 complimentary domestic airport lounge visits a year (1 per quarter) | 4 complimentary domestic airport lounge visits a year (1 per quarter), with no spend condition, plus a complimentary Priority Pass membership worth $99 for the first two years, the membership only, international visits are paid | |
| Forex and international | |||
| Forex markupsame | 3.5% | 3.5% | |
| Interest and charges | |||
| Interest rate (monthly) | - | 3.75% | |
| Interest rate (annual) | - | 45% | |
| Page content | |||
| Documents neededsame | PAN card Aadhaar / address proof Income proof (salary slips or ITR) | 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
- ₹1,956
- Fee a year
- ₹0
- You keep
- ₹1,956
- Rewards a year
- ₹2,400
- Fee a year
- ₹0
- You keep
- ₹2,400
At this spend, SBI Card PULSE 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
- Heavy drivers who fuel at BPCL
- Families with regular dining and grocery bills
- People wanting lounges on a mid-fee card
- Dining: 2.5% back, up to ₹1,875 a month
- Spending ₹16,667 or more a month: the ₹1,769 fee is waived
- Flyers: 4 airport lounge visits a year
Watch-Outs
- Only about 0.25% on other spends
- Monthly caps on the 25X and 10X rates
- Fuel rewards only at BPCL pumps
- Skip it if you spend less than ₹16,667 a month (₹2,00,000 a year, rent and wallet loads not counted): the ₹1,769 fee is then charged
- 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 dining: the 2.5% rate applies only there, everything else earns 0.5%
Card data sourced via CardAdvisor.in (SBI BPCL Octane Credit Card, SBI Card PULSE), India Credit Card Facts, CC BY 4.0, adapted by SkyloFin.
Questions People Ask
Which has the lower annual fee, SBI BPCL Octane Credit Card or SBI Card PULSE?
They charge the same annual fee. SBI BPCL Octane Credit Card: ₹1,499; SBI Card PULSE: ₹1,499.
Which is better for spending abroad?
SBI BPCL Octane Credit Card has the lowest forex markup. SBI BPCL Octane Credit Card: 3.5%; SBI Card PULSE: 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 Card PULSE 0.5%, 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?
SBI BPCL Octane Credit Card: 4 domestic lounge visits a year; SBI Card PULSE: 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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