SBI BPCL Octane Credit Card vs Titan SBI 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 → |  Titan SBI CardState Bank of India | |
|---|---|---|---|
| Rewards by spend | |||
| Rewards | 0.25% base, up to 2.5% on dining; 6.25% only at partner merchants | 1.5% on most spends | |
| UPI payments (scan and pay)same | Earns nothing | Earns nothing | |
| Online shopping | 0.25% | 1.5% | |
| Dining and food delivery | 2.5% | 1.5% | |
| Groceries | 2.5% | 1.5% | |
| Travel: flights, hotels, trains | 0.25% | 1.5% | |
| Fuel | 0.25%; 6.25% only at Bharat Petroleum | Not stated | |
| Bills and recharges | 0.25% | Not stated | |
| Rent | Earns nothing | Not stated | |
| Insurance premiums | 0.25% | Not stated | |
| School and college fees | 0.25% | Not stated | |
| Wallet top-ups | Earns nothing | Not stated | |
| Taxes and government paymentssame | Not stated | Not stated | |
| Spend abroad or in a foreign currency | 0.25% | 1.5% | |
| Everything else | 0.25% | 1.5% | |
| Card identity | |||
| Card type | Fuel | Rewards | |
| Networksame | Visa | Visa | |
| Card tier | Mid | Premium | |
| Fees | |||
| Joining fee | ₹1,499 + GST | ₹2,999 + GST | |
| Annual fee | ₹1,499 + GST | ₹2,999 + GST | |
| Fee waived at | ₹2,00,000 | ₹3,00,000 | |
| Eligibility | |||
| Employment type | BOTH | - | |
| Rewards | |||
| Reward typesame | Reward points | Reward points | |
| Point value | ₹0 | - | |
| Fuel surcharge | |||
| Fuel surcharge waiversame | Yes | Yes | |
| Fuel waiver cap | ₹100 | - | |
| Lounge access | |||
| Domestic lounge visits | 4 | 8 | |
| International lounge visits | 0 | 4 | |
| Lounge programme | - | PRIORITY_PASS | |
| Priority Pass | No | Yes | |
| Lounge condition | 4 complimentary domestic airport lounge visits a year (1 per quarter) | - | |
| Forex and international | |||
| Forex markupsame | 3.5% | 3.5% | |
| UPI rewards | |||
| Works on UPI | No | - | |
| Page content | |||
| Documents needed | 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
- ₹3,600
- Fee a year
- - ₹3,539
- You keep
- ₹61
At this spend, SBI BPCL Octane Credit Card comes out ₹1,895 a year ahead of Titan SBI 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
- Spending ₹25,000 or more a month: the ₹3,539 fee is waived
- Flyers: 12 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 ₹25,000 a month (₹3,00,000 a year, rent and wallet loads not counted): the ₹3,539 fee is then charged
- Skip it if you pay mostly by UPI: a Visa or Mastercard card cannot pay by UPI
- Skip it if you spend a lot on fuel, utility bills, rent or insurance: the card's terms do not state a rate there, so we count nothing
- Skip it if you often pay in foreign currency: 3.5% is added to every foreign spend
Card data sourced via CardAdvisor.in (SBI BPCL Octane Credit Card, Titan SBI 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 Titan SBI Card?
SBI BPCL Octane Credit Card. SBI BPCL Octane Credit Card: ₹1,499; Titan SBI Card: ₹2,999. 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%; Titan SBI 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: Titan SBI Card 1.5%, 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; Titan SBI 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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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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