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SBI BPCL Octane vs Elite 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.

SBI BPCL Octane Credit Card versus SBI Elite Credit Card compared
FeatureSBI BPCL Octane Credit CardSBI BPCL Octane Credit CardState Bank of India3 recent changes →
SBI Elite Credit CardSBI Elite Credit CardState Bank of India5 recent changes →
Rewards by spend
Rewards0.25% base, up to 2.5% on dining; 6.25% only at partner merchants0.5% base, up to 2.5% on dining
UPI payments (scan and pay)sameEarns nothingEarns nothing
Online shopping0.25%0.5%
Dining and food deliverysame2.5%2.5%
Groceriessame2.5%2.5%
Travel: flights, hotels, trains0.25%0.5%
Fuel0.25%; 6.25% only at Bharat PetroleumEarns nothing
Bills and recharges0.25%0.5%
RentsameEarns nothingEarns nothing
Insurance premiums0.25%0.5%
School and college fees0.25%0.5%
Wallet top-upssameEarns nothingEarns nothing
Taxes and government paymentsNot statedEarns nothing
Spend abroad or in a foreign currency0.25%0.5%
Everything else0.25%0.5%
Card identity
Card typeFuelDining
NetworkVisaMastercard
Card tierMidPremium
Fees
Joining fee₹1,499 + GST₹4,999 + GST
Annual fee₹1,499 + GST₹4,999 + GST
Fee waived at₹2,00,000₹10,00,000
Eligibility
Employment typesameBOTHBOTH
Rewards
Reward typesameReward pointsReward points
Point valuesame₹0₹0
Fuel surcharge
Fuel surcharge waiversameYesYes
Fuel waiver cap₹100-
Lounge access
Domestic lounge visits48
International lounge visits06
Lounge programme-PRIORITY_PASS
Priority PassNoYes
Lounge condition4 complimentary domestic airport lounge visits a year (1 per quarter)8 domestic visits a year (2 a quarter) + 6 international Priority Pass visits a year (2 a quarter), with a complimentary Priority Pass membership
Forex and international
Forex markup3.5%1.99%
Interest and charges
Interest rate (monthly)-3.75%
Interest rate (annual)-45%
Page content
Documents neededPAN card Aadhaar / address proof Income proof (salary slips or ITR)PAN card Aadhaar / valid address proof Latest 3 months bank statement Income proof, salary slips (salaried) or ITR (self-employed) Recent passport-size photograph
ApplyApply NowApply Now

Worth in Rupees at ₹20,000 a Month

SBI BPCL Octane Credit Card
Rewards a year
₹1,956
Fee a year
₹0
You keep
₹1,956
SBI Elite Credit Card
Rewards a year
₹2,400
Fee a year
- ₹5,899
You keep
- ₹3,499

At this spend, SBI BPCL Octane Credit Card comes out ₹5,455 a year ahead of SBI Elite 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

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
SBI Elite Credit Card
  • High earners who travel abroad
  • Big dining and grocery spenders
  • People who want many lounge visits

Watch-Outs

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
SBI Elite Credit Card
  • Only about 0.5% on most spends
  • ₹10 lakh waiver is very high
  • Some big grocery chains excluded from 10X

Card data sourced via CardAdvisor.in (SBI BPCL Octane Credit Card, SBI Elite 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 Elite Credit Card?

SBI BPCL Octane Credit Card. SBI BPCL Octane Credit Card: ₹1,499; SBI Elite Credit Card: ₹4,999. Check whether a spend-based waiver applies before you decide.

Which is better for spending abroad?

SBI Elite Credit Card has the lowest forex markup. SBI Elite Credit Card: 1.99%; 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: SBI Elite Credit Card 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 Elite Credit Card: 8 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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