Side-by-side · honest numbers
OneCard Metal Credit Card vs SBI BPCL Octane
Honest side-by-side comparison of OneCard Metal 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.
OneCard Metal Credit Card
OneCard (BOB/FPL)
SBI BPCL Octane
SBI Card
Your adjusted comparison
| Feature | OneCard Metal Credit Card OneCard (BOB/FPL) | SBI BPCL Octane SBI Card |
|---|---|---|
| Fees & eligibility | ||
| Annual fee | Lifetime free | ₹1,499 |
| Fee waiver threshold | Lifetime free | Waived at ₹2,00,000/yr spend |
| Min income | ₹15,000/mo | ₹30,000/mo |
| Secured / FD-backed | Standard | Standard |
| Rewards | ||
| Net annual value (moderate) | ₹3,120/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 | 1% cashback | 25X points |
| Primary reward cap | No monthly cap published | ₹10,000 eligible spend/mo |
| Perks & restrictions | ||
| Lounge access | None | 4 domestic airport lounge visits per year (1/quarter) · No minimum spend required for lounge access |
| UPI rewards | Earns: 1% reward points on all eligible spends (5X on top category via app) · cap Points redeemable as statement credit per OneCard T&Cs | Not supported (Visa/MC) |
| Key exclusions | EMI · Rent | Non-BPCL fuel · EMI · Rent · Wallet |
| Bonuses | ||
| Signup bonus | — | ₹6,000 |
Stack mode (hold both)
Cap-aware split: ~₹4,860/yr combined NAV (₹1,740 vs best solo). Both annual fees apply.
Share this comparison
https://cardhungry.com/in/en/compare/onecard-vs-sbi-bpcl-octaneReference summary
At a glance (moderate spend)
Quick verdict: On moderate spend, OneCard Metal Credit Card leads SBI BPCL Octane by about ₹270/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
| Feature | OneCard Metal Credit Card OneCard (BOB/FPL) | SBI BPCL Octane SBI Card |
|---|---|---|
| Fees & eligibility | ||
| Annual fee | Lifetime free | ₹1,499 |
| Fee waiver threshold | Lifetime free | Waived at ₹2,00,000/yr spend |
| Min income | ₹15,000/mo | ₹30,000/mo |
| Secured / FD-backed | Standard | Standard |
| Rewards | ||
| Net annual value (moderate) | ₹3,120/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 | 1% cashback | 25X points |
| Primary reward cap | No monthly cap published | ₹10,000 eligible spend/mo |
| Perks & restrictions | ||
| Lounge access | None | 4 domestic airport lounge visits per year (1/quarter) · No minimum spend required for lounge access |
| UPI rewards | Earns: 1% reward points on all eligible spends (5X on top category via app) · cap Points redeemable as statement credit per OneCard T&Cs | Not supported (Visa/MC) |
| Key exclusions | EMI · Rent | Non-BPCL fuel · EMI · Rent · Wallet |
| Bonuses | ||
| Signup bonus | — | ₹6,000 |
Frequently asked questions
- Which card has the lower annual fee?
- OneCard Metal Credit Card has a ₹0 annual fee (lifetime free or zero-fee tier).
- Which card earns more on moderate spend?
- OneCard Metal Credit Card leads with an estimated ₹3,120/yr net annual value on moderate spend.
- Which card has the lower income requirement?
- OneCard Metal Credit Card lists a minimum monthly income of ₹15,000.
- Does this comparison pull my credit score?
- No. CardHungry estimates net value from public fee and reward rules only — no bureau check.
More OneCard Metal Credit Card comparisons
- OneCard Metal Credit Card vs 811 Dream Different Credit Card
- OneCard Metal Credit Card vs AU Altura Credit Card
- OneCard Metal Credit Card vs AU Altura+ Credit Card
- OneCard Metal Credit Card vs AU LIT Credit Card
- OneCard Metal Credit Card vs AU Zenith Credit Card
- OneCard Metal Credit Card vs American Express Gold Card
- OneCard Metal Credit Card vs American Express Platinum Travel Card
- OneCard Metal Credit Card vs American Express SmartEarn Credit Card
- OneCard Metal Credit Card vs Amex Membership Rewards CC
- OneCard Metal Credit Card vs Axis Bank ACE Credit Card
- OneCard Metal Credit Card vs Axis Bank Airtel Credit Card
- OneCard Metal Credit Card vs Axis Bank Atlas Credit Card