Which card has the lower annual fee?

SBI BPCL Octane has the lowest annual fee at ₹1,499.

Which card earns more on moderate spend?

SBI BPCL Octane leads with an estimated ₹2,850/yr net annual value on moderate spend.

Which card has the lower income requirement?

SBI BPCL Octane lists a minimum monthly income of ₹30,000.

Does this comparison pull my credit score?

No. CardHungry estimates net value from public fee and reward rules only — no bureau check.

Side-by-side · honest numbers

ICICI Sapphiro Credit Card vs SBI BPCL Octane

Honest side-by-side comparison of ICICI Sapphiro Credit Card, SBI BPCL Octane — annual fees, reward rates, income eligibility, and estimated net annual value on the same spend profile.

Same spend profile for all cards. How we calculate net annual value

Customize your spend

Change spend profile or swap cards — results update live below.

Spend assumptions

All cards use the same monthly spend profile. Saved spends from the quiz or a card page load automatically.

Card 1

ICICI Sapphiro Credit Card

ICICI Bank

Card 2

SBI BPCL Octane

SBI Card

Your adjusted comparison

Feature	ICICI Sapphiro Credit Card ICICI Bank	SBI BPCL Octane SBI Card
Fees & eligibility
Annual fee	₹3,500	₹1,499
Fee waiver threshold	No waiver published	Waived at ₹2,00,000/yr spend
Min income	₹75,000/mo	₹30,000/mo
Secured / FD-backed	Standard	Standard
Rewards
Net annual value (moderate)	-₹1,862/yr	₹2,850/yr
Groceries (offline)	—	₹5,000 → 200 pts/mo × ₹0.25/pt = ₹50/mo (₹600/yr)
Dining & delivery	—	₹3,500 → 140 pts/mo × ₹0.25/pt = ₹35/mo (₹420/yr)
Fuel	—	₹3,000 → 750 pts/mo × ₹0.25/pt = ₹187.50/mo (₹2,250/yr) · issuer max ₹10,000/mo
Top reward rate	4 RP/₹100	25X points
Primary reward cap	No monthly cap published	₹10,000 eligible spend/mo
Perks & restrictions
Lounge access	Domestic (4/quarter) + 2 international/year · Domestic airport lounge gated on ₹75,000 spend in the previous calendar quarter; 2 international visits/year	4 domestic airport lounge visits per year (1/quarter) · No minimum spend required for lounge access
UPI rewards	Not supported (Visa/MC)	Not supported (Visa/MC)
Key exclusions	EMI · Fuel · Rent	Non-BPCL fuel · EMI · Rent · Wallet
Bonuses
Signup bonus	₹4,000	₹6,000

Stack mode (hold both)

Holding both may not beat using only the better solo card on this spend.

ICICI Sapphiro Credit Card details →SBI BPCL Octane details →

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Reference summary

At a glance (moderate spend)

Quick verdict: On moderate spend, SBI BPCL Octane leads ICICI Sapphiro Credit Card by about ₹4,712/yr in estimated net value.

Spend assumptions for this table

Moderate user spend profile · ₹31,000/mo

₹31,000/month total spend — typical India user

Online ₹8,000 · Groceries ₹5,000 · Other ₹4,000 · Dining ₹3,500 · Bills ₹3,500

ICICI Sapphiro Credit Card vs SBI BPCL Octane comparison table
Feature	ICICI Sapphiro Credit Card ICICI Bank	SBI BPCL Octane SBI Card
Fees & eligibility
Annual fee	₹3,500	₹1,499
Fee waiver threshold	No waiver published	Waived at ₹2,00,000/yr spend
Min income	₹75,000/mo	₹30,000/mo
Secured / FD-backed	Standard	Standard
Rewards
Net annual value (moderate)	-₹1,862/yr	₹2,850/yr
Groceries (offline)	—	₹5,000 → 200 pts/mo × ₹0.25/pt = ₹50/mo (₹600/yr)
Dining & delivery	—	₹3,500 → 140 pts/mo × ₹0.25/pt = ₹35/mo (₹420/yr)
Fuel	—	₹3,000 → 750 pts/mo × ₹0.25/pt = ₹187.50/mo (₹2,250/yr) · issuer max ₹10,000/mo
Top reward rate	4 RP/₹100	25X points
Primary reward cap	No monthly cap published	₹10,000 eligible spend/mo
Perks & restrictions
Lounge access	Domestic (4/quarter) + 2 international/year · Domestic airport lounge gated on ₹75,000 spend in the previous calendar quarter; 2 international visits/year	4 domestic airport lounge visits per year (1/quarter) · No minimum spend required for lounge access
UPI rewards	Not supported (Visa/MC)	Not supported (Visa/MC)
Key exclusions	EMI · Fuel · Rent	Non-BPCL fuel · EMI · Rent · Wallet
Bonuses
Signup bonus	₹4,000	₹6,000

Frequently asked questions

Which card has the lower annual fee?: SBI BPCL Octane has the lowest annual fee at ₹1,499.
Which card earns more on moderate spend?: SBI BPCL Octane leads with an estimated ₹2,850/yr net annual value on moderate spend.
Which card has the lower income requirement?: SBI BPCL Octane lists a minimum monthly income of ₹30,000.
Does this comparison pull my credit score?: No. CardHungry estimates net value from public fee and reward rules only — no bureau check.

Customize your spend

Spend assumptions

Your adjusted comparison

At a glance (moderate spend)

Frequently asked questions

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