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SBI BPCL Octane vs SBI Cashback Card

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

Comparison cockpit

Futuristic side-by-side card intelligence

SBI BPCL Octane leads on reward rate, while SBI Cashback Card has the lowest annual fee.

Card 1

SBI BPCL Octane

Everyday users who prefer steady rewards, manageable fees, and simple eligibility.5.3

Card 2

SBI Cashback Card

Monthly spenders who want visible cashback without chasing complex reward conversions.6.0
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
SBI Cashback Card
Balanced value6.0

sbi / VISA

SBI Cashback Card

Annual

₹999

Return

5%

Lounges

0

Forex

3.5%

Card summary
  • SBI Cashback Card leans cashback-first with ₹999 annual fee, 5% headline return potential, and 0 lounge access.
Pros
  • Strong benefit ceiling if you recover the ₹999 annual fee.
  • 5% cashback keeps value easy to understand.
  • Simple everyday positioning without premium travel complexity.
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
Metric
SBI BPCL Octane
SBI Cashback Card
Fees
Annual fee
₹1,499
₹999
Joining fee
₹1,499
₹999
Rewards
Cashback rate
1.5%
5%
Reward rate
3%
1%
Travel
Forex markup
3.5%
3.5%
Domestic lounges
4
0
International lounges
0
0
Benefits
Fuel waiver
Yes
Yes
Dining
Yes
No
Movies
Yes
No
Eligibility
Minimum income
₹5,00,000
₹5,00,000

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