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BPCL SBI Card Octane vs IndianOil HDFC Bank Credit Card
A side-by-side comparison of fees, rewards, and benefits to help you pick the right card for your spending.
| BPCL SBI Card Octane | IndianOil HDFC Bank Credit Card | |
|---|---|---|
| Issuer | SBI | HDFC |
| Annual fee | ₹1,499/yr | ₹500/yr ✓ |
| Joining fee | ₹1,499 | ₹500 |
| Best reward | 7.25% on Fuel | 5% on Fuel |
| Forex markup | 3.5% | 3.5% |
| Lounge access | No | No |
| Welcome benefit | ~₹1,499 | ~₹250 |
| Min income | ₹30,000/mo | ₹15,000/mo |
| Expert rating | 4.4 / 5 ✓ | 4.3 / 5 |
Which should you pick?
Choose the BPCL SBI Card Octane if you want strong rewards on fuel. Consider the IndianOil HDFC Bank Credit Card if you spend more on fuel and prefer a lower fee. Your actual best card depends on how you spend — run your numbers below.