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 ₹9,570/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

SBI BPCL Octane vs SBI Card ELITE

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

At a glance (moderate spend)

Quick verdict: On moderate spend, SBI BPCL Octane leads SBI Card ELITE by about ₹7,869/yr in estimated net value.

SBI BPCL Octane vs SBI Card ELITE comparison table
Feature	SBI BPCL Octane SBI Card	SBI Card ELITE SBI Card
Fees & eligibility
Annual fee	₹1,499	₹4,999
Fee waiver threshold	Waived at ₹2,00,000/yr spend	₹10,00,000/yr
Min income	₹30,000/mo	₹60,000/mo
Secured / FD-backed	Standard	Standard
Rewards
Net annual value (moderate)	₹9,570/yr	₹1,701/yr
Groceries (offline)	6 pts per ₹150 spend → ₹60/mo (₹720/yr)	—
Dining & delivery	6 pts per ₹150 spend → ₹40/mo (₹480/yr)	—
Fuel	37.5 pts per ₹150 spend → ₹250/mo (₹3,000/yr)	—
Travel	—	8 pts per ₹150 spend → ₹67/mo (₹800/yr)
Top reward rate	25X points	5X reward points
Primary reward cap	₹10,000 eligible spend/mo	No monthly cap published
Perks & restrictions
Lounge access	None	8 complimentary domestic lounge visits per year · No minimum spend required for lounge access
UPI rewards	Not supported (Visa/MC)	Not supported (Visa/MC)
Key exclusions	Non-BPCL fuel · EMI · Rent · Wallet	Fuel · Rent · Wallet · EMI · Government
Bonuses
Signup bonus	₹6,000	₹5,000

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 ₹9,570/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

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

Card 1

SBI BPCL Octane

SBI Card

Card 2

SBI Card ELITE

SBI Card

Your adjusted comparison

Feature	SBI CardPlatinum SBI BPCL Octane •••• •••• •••• 4242 Quick facts SBI BPCL Octane Top reward25X points Annual fee₹1,499 Min income₹30,000/mo Tap to flip back SBI BPCL Octane SBI Card	SBI CardPlatinum SBI Card ELITE •••• •••• •••• 4242 Quick facts SBI Card ELITE Top reward5X reward points Annual fee₹4,999 Min income₹60,000/mo Tap to flip back SBI Card ELITE SBI Card
Fees & eligibility
Annual fee	₹1,499	₹4,999
Fee waiver threshold	Waived at ₹2,00,000/yr spend	₹10,00,000/yr
Min income	₹30,000/mo	₹60,000/mo
Secured / FD-backed	Standard	Standard
Rewards
Net annual value (moderate)	₹9,570/yr	₹1,701/yr
Groceries (offline)	6 pts per ₹150 spend → ₹60/mo (₹720/yr)	—
Dining & delivery	6 pts per ₹150 spend → ₹40/mo (₹480/yr)	—
Fuel	37.5 pts per ₹150 spend → ₹250/mo (₹3,000/yr)	—
Travel	—	8 pts per ₹150 spend → ₹67/mo (₹800/yr)
Top reward rate	25X points	5X reward points
Primary reward cap	₹10,000 eligible spend/mo	No monthly cap published
Perks & restrictions
Lounge access	None	8 complimentary domestic lounge visits per year · No minimum spend required for lounge access
UPI rewards	Not supported (Visa/MC)	Not supported (Visa/MC)
Key exclusions	Non-BPCL fuel · EMI · Rent · Wallet	Fuel · Rent · Wallet · EMI · Government
Bonuses
Signup bonus	₹6,000	₹5,000

SBI BPCL Octane details →SBI Card ELITE details →

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At a glance (moderate spend)

Frequently asked questions

Customize your spend

Your adjusted comparison

More SBI BPCL Octane comparisons