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SBI BPCL Octane vs SBI Cashback Credit Card

Honest side-by-side comparison of SBI BPCL Octane, SBI Cashback Credit Card — 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

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Spend assumptions

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

SBI BPCL Octane

SBI Card

SBI Cashback Credit Card

SBI Card

Your adjusted comparison

Feature
SBI BPCL Octane credit card

SBI BPCL Octane

SBI Card

SBI Cashback Credit Card

SBI Cashback Credit Card

SBI Card

Fees & eligibility
Annual fee₹1,499₹999
Fee waiver thresholdWaived at ₹2,00,000/yr spendWaived at ₹2,00,000/yr spend
Min income₹30,000/mo₹25,000/mo
Secured / FD-backedStandardStandard
Rewards
Net annual value (moderate)₹2,850/yr₹5,520/yr
Online shopping—₹8,000 × 5% = ₹400/mo (₹4,800/yr) · issuer max ₹2,000/mo
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 rate25X points5%
Primary reward cap₹10,000 eligible spend/mo₹2,000 rewards/mo cap
Perks & restrictions
Lounge access4 domestic airport lounge visits per year (1/quarter) · No minimum spend required for lounge accessNone
UPI rewardsNot supported (Visa/MC)Not supported (Visa/MC)
Key exclusionsNon-BPCL fuel · EMI · Rent · WalletFuel · Utilities · Insurance · Rent · Wallet loads
Bonuses
Signup bonus₹6,000—

Stack mode (hold both)

Cap-aware split: ~₹7,770/yr combined NAV (₹2,250 vs best solo). Both annual fees apply.

SBI BPCL Octane details →SBI Cashback Credit Card details →

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Reference summary

At a glance (moderate spend)

Quick verdict: On moderate spend, SBI Cashback Credit Card leads SBI BPCL Octane by about ₹2,670/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

SBI BPCL Octane vs SBI Cashback Credit Card comparison table
FeatureSBI BPCL Octane

SBI Card

SBI Cashback Credit Card

SBI Card

Fees & eligibility
Annual fee₹1,499₹999
Fee waiver thresholdWaived at ₹2,00,000/yr spendWaived at ₹2,00,000/yr spend
Min income₹30,000/mo₹25,000/mo
Secured / FD-backedStandardStandard
Rewards
Net annual value (moderate)₹2,850/yr₹5,520/yr
Online shopping—₹8,000 × 5% = ₹400/mo (₹4,800/yr) · issuer max ₹2,000/mo
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 rate25X points5%
Primary reward cap₹10,000 eligible spend/mo₹2,000 rewards/mo cap
Perks & restrictions
Lounge access4 domestic airport lounge visits per year (1/quarter) · No minimum spend required for lounge accessNone
UPI rewardsNot supported (Visa/MC)Not supported (Visa/MC)
Key exclusionsNon-BPCL fuel · EMI · Rent · WalletFuel · Utilities · Insurance · Rent · Wallet loads
Bonuses
Signup bonus₹6,000—

Frequently asked questions

Which card has the lower annual fee?
SBI Cashback Credit Card has the lowest annual fee at ₹999.
Which card earns more on moderate spend?
SBI Cashback Credit Card leads with an estimated ₹5,520/yr net annual value on moderate spend.
Which card has the lower income requirement?
SBI Cashback Credit Card lists a minimum monthly income of ₹25,000.
Does this comparison pull my credit score?
No. CardHungry estimates net value from public fee and reward rules only — no bureau check.

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