Craydit Logo

HDFC Millennia vs SBI BPCL Octane

Compare HDFC Millennia vs SBI BPCL Octane across fees, rewards, cashback, lounge access, and eligibility to shortlist the best fit.

Comparison cockpit

Futuristic side-by-side card intelligence

HDFC Millennia has the strongest mix of rewards and low fees in this comparison.

Card 1

HDFC Millennia

Monthly spenders who want visible cashback without chasing complex reward conversions.9.8

Card 2

SBI BPCL Octane

Everyday users who prefer steady rewards, manageable fees, and simple eligibility.5.3
HDFC Millennia
Balanced value9.8

hdfc / VISA

HDFC Millennia

Annual

₹1,000

Return

5%

Lounges

4

Forex

3.5%

Card summary
  • HDFC Millennia leans cashback-first with ₹1,000 annual fee, 5% headline return potential, and 4 lounge access.
Pros
  • Strong benefit ceiling if you recover the ₹1,000 annual fee.
  • 5% cashback keeps value easy to understand.
  • 4 lounge access adds travel utility.
Cons
  • 3.5% forex markup can reduce overseas value.
  • Eligibility still depends on bank policy and credit history.
  • Travel benefits are limited compared with premium cards.
Best for

Monthly spenders who want visible cashback without chasing complex reward conversions.

Value profile

Balanced fee-to-benefit setup for regular card users.

Full card details
SBI BPCL Octane Credit Card
Balanced value5.3

sbi / VISA

SBI BPCL Octane

Annual

₹1,499

Return

3%

Lounges

4

Forex

3.5%

Card summary
  • SBI BPCL Octane leans reward-led with ₹1,499 annual fee, 3% headline return potential, and 4 lounge access.
Pros
  • Strong benefit ceiling if you recover the ₹1,499 annual fee.
  • 3% reward rate can outperform flat cashback for loyal users.
  • 4 lounge access adds travel utility.
Cons
  • 3.5% forex markup can reduce overseas value.
  • Eligibility still depends on bank policy and credit history.
  • Travel benefits are limited compared with premium cards.
Best for

Everyday users who prefer steady rewards, manageable fees, and simple eligibility.

Value profile

Balanced fee-to-benefit setup for regular card users.

Full card details
Metric
HDFC Millennia
SBI BPCL Octane
Fees
Annual fee
₹1,000
₹1,499
Joining fee
₹1,000
₹1,499
Rewards
Cashback rate
5%
1.5%
Reward rate
4%
3%
Travel
Forex markup
3.5%
3.5%
Domestic lounges
4
4
International lounges
0
0
Benefits
Fuel waiver
Yes
Yes
Dining
Yes
Yes
Movies
Yes
Yes
Eligibility
Minimum income
₹6,00,000
₹5,00,000

Top Credit Card Comparison Links

Compare more cards

Popular comparison pairs to continue exploring similar card matchups.

HDFC Millennia vs HDFC Swiggy OrngeHDFC Millennia vs HSBC Live+Axis Flipkart vs HDFC MillenniaHDFC Millennia vs Kotak MyntraHDFC Millennia vs HDFC Tata Neu InfinityAxis Airtel vs HDFC MillenniaHDFC Millennia vs RBL ZomatoAU Tejas vs HDFC MillenniaHDFC Millennia vs HSBC CashbackHDFC Swiggy Ornge vs SBI BPCL Octane