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SBI BPCL Octane vs YES BANK POP-CLUB 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 YES BANK POP-CLUB Credit Card compared
FeatureSBI BPCL Octane Credit CardSBI BPCL Octane Credit CardState Bank of India3 recent changes →
YES BANK POP-CLUB Credit CardYES BANK POP-CLUB Credit CardPOP CLUB, issued by Yes Bank4 recent changes →
Rewards by spend
Rewards0.25% base, up to 2.5% on dining; 6.25% only at partner merchants0.2% base, up to 1% on online shopping
UPI payments (scan and pay)Earns nothing1%
Online shopping0.25%1%
Dining and food delivery2.5%0.2%
Groceries2.5%0.2%
Travel: flights, hotels, trains0.25%0.2%
Fuel0.25%; 6.25% only at Bharat PetroleumEarns nothing
Bills and recharges0.25%Earns nothing
RentsameEarns nothingEarns nothing
Insurance premiums0.25%Earns nothing
School and college fees0.25%Earns nothing
Wallet top-upssameEarns nothingEarns nothing
Taxes and government paymentsNot statedEarns nothing
Spend abroad or in a foreign currency0.25%0.2%
Everything else0.25%0.2%
Card identity
Card typeFuelShopping
NetworkVisaRuPay
Card tierMidEntry
Fees
Joining fee₹1,499 + GSTFree
Annual fee₹1,499 + GST₹399 + GST
First year freeNoYes
Fee waived at₹2,00,000₹1,50,000
Welcome benefit-Earn 500 POPcoins on activating the POP CLUB Credit Card
Eligibility
Min age-21 years
Max age-60 years
Employment typesameBOTHBOTH
Min monthly salary-₹25,000
Rewards
Reward typesameReward pointsReward points
Point valuesame₹0₹0
Fuel surcharge
Fuel surcharge waiverYesNo
Fuel waiver capsame₹100₹100
Lounge access
Domestic lounge visits4-
International lounge visits0-
Lounge condition4 complimentary domestic airport lounge visits a year (1 per quarter)-
Forex and international
Forex markupsame3.5%3.5%
UPI rewards
Works on UPINoYes
Interest and charges
Interest rate (monthly)-3.99%
Interest rate (annual)-47.88%
Page content
Eligibility-Age: 21 to 60 years Min. income: ₹25,000/mo
Documents neededPAN card Aadhaar / address proof Income proof (salary slips or ITR)PAN card Aadhaar / valid address proof Income proof, salary slips (salaried) or ITR (self-employed)
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
YES BANK POP-CLUB Credit Card
Rewards a year
₹960
Fee a year
₹0
You keep
₹960

At this spend, SBI BPCL Octane Credit Card comes out ₹996 a year ahead of YES BANK POP-CLUB 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
YES BANK POP-CLUB Credit Card
  • Young online shoppers
  • UPI users wanting a low-cost card
  • First-time card users

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
YES BANK POP-CLUB Credit Card
  • Very low earn on offline spends
  • Monthly cap on online rewards
  • 3.5% forex fee

Card data sourced via CardAdvisor.in (SBI BPCL Octane Credit Card, YES BANK POP-CLUB 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 YES BANK POP-CLUB Credit Card?

YES BANK POP-CLUB Credit Card. YES BANK POP-CLUB Credit Card: ₹399; 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%; YES BANK POP-CLUB 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 BPCL Octane Credit Card 0.25%, YES BANK POP-CLUB Credit Card 0.2%. 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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