SBI BPCL Octane vs Cashback 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 |  SBI BPCL Octane Credit CardState Bank of India3 recent changes → |  SBI Cashback Credit CardState Bank of India5 recent changes → | |
|---|---|---|---|
| Rewards by spend | |||
| Rewards | 0.25% base, up to 2.5% on dining; 6.25% only at partner merchants | 1% base, up to 5% on online shopping | |
| UPI payments (scan and pay)same | Earns nothing | Earns nothing | |
| Online shopping | 0.25% | 5% | |
| Dining and food delivery | 2.5% | 1% | |
| Groceries | 2.5% | 1% | |
| Travel: flights, hotels, trains | 0.25% | 1% | |
| Fuel | 0.25%; 6.25% only at Bharat Petroleum | Earns nothing | |
| Bills and recharges | 0.25% | Earns nothing | |
| Rentsame | Earns nothing | Earns nothing | |
| Insurance premiums | 0.25% | Earns nothing | |
| School and college fees | 0.25% | Earns nothing | |
| Wallet top-upssame | Earns nothing | Earns nothing | |
| Taxes and government payments | Not stated | Earns nothing | |
| Spend abroad or in a foreign currency | 0.25% | 1% | |
| Everything else | 0.25% | 1% | |
| Card identity | |||
| Card type | Fuel | Shopping | |
| Networksame | Visa | Visa | |
| Card tiersame | Mid | Mid | |
| Fees | |||
| Joining fee | ₹1,499 + GST | ₹999 + GST | |
| Annual fee | ₹1,499 + GST | ₹999 + GST | |
| Fee waived atsame | ₹2,00,000 | ₹2,00,000 | |
| Eligibility | |||
| Employment typesame | BOTH | BOTH | |
| Min credit score | - | 650 | |
| Rewards | |||
| Reward type | Reward points | Cashback | |
| Point value | ₹0 | ₹1 | |
| Fuel surcharge | |||
| Fuel surcharge waiversame | Yes | Yes | |
| Fuel waiver capsame | ₹100 | ₹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 | |||
| Eligibility | - | Age: 21 to 65 years Employment: Both salaried and self-employed individuals Minimum Income: Rs 30,000 Credit Score: 650+ with no delayed payments in the past 12 months New-to-Credit: Allowed only for salaried applicants | |
| Documents needed | PAN card Aadhaar / address proof Income proof (salary slips or ITR) | ID Proof: PAN Card/Form 60 Address Proof: Aadhaar, Passport, or utility bills Income Proof: Bank statements or salary slips Photograph: Recent passport-sized photo | |
| 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
- ₹4,800
- Fee a year
- ₹0
- You keep
- ₹4,800
At this spend, SBI Cashback Credit Card comes out ₹2,844 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
- Heavy online shoppers
- People who want plain cashback, not points
- Shoppers who use many different websites
Watch-Outs
- Only about 0.25% on other spends
- Monthly caps on the 25X and 10X rates
- Fuel rewards only at BPCL pumps
- No cashback on utilities, insurance, fuel, rent, wallets or EMIs
- 5% stops after Rs 40,000 online spend a month
- No airport lounge access
- 3.5% forex fee
Card data sourced via CardAdvisor.in (SBI BPCL Octane Credit Card, SBI Cashback Credit Card), 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 Cashback Credit Card?
SBI Cashback Credit Card. SBI Cashback Credit Card: ₹999; SBI BPCL Octane Credit Card: ₹1,499. Check whether a spend-based waiver applies before you decide.
Which is better for spending abroad?
SBI BPCL Octane Credit Card has the lowest forex markup. SBI BPCL Octane Credit Card: 3.5%; SBI Cashback 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 Cashback 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.
- 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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