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

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.

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

SBI BPCL Octane

SBI Card

Card 2

SBI Card ELITE

SBI Card

Your adjusted comparison

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)	₹2,850/yr	-₹3,818/yr
Groceries (offline)	₹5,000 → 200 pts/mo × ₹0.25/pt = ₹50/mo (₹600/yr)	₹5,000 → 333 pts/mo × ₹0.25/pt = ₹83.33/mo (₹1,000/yr)
Dining & delivery	₹3,500 → 140 pts/mo × ₹0.25/pt = ₹35/mo (₹420/yr)	₹3,500 → 233 pts/mo × ₹0.25/pt = ₹58.33/mo (₹700/yr)
Fuel	₹3,000 → 750 pts/mo × ₹0.25/pt = ₹187.50/mo (₹2,250/yr) · issuer max ₹10,000/mo	—
Top reward rate	25X points	5X reward points
Primary reward cap	₹10,000 eligible spend/mo	No monthly cap published
Perks & restrictions
Lounge access	4 domestic airport lounge visits per year (1/quarter) · No minimum spend required for lounge access	6 domestic + 2 international airport 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

Stack mode (hold both)

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

SBI BPCL Octane details →SBI Card ELITE details →

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Reference summary

At a glance (moderate spend)

Quick verdict: On moderate spend, SBI BPCL Octane leads SBI Card ELITE by about ₹6,668/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 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)	₹2,850/yr	-₹3,818/yr
Groceries (offline)	₹5,000 → 200 pts/mo × ₹0.25/pt = ₹50/mo (₹600/yr)	₹5,000 → 333 pts/mo × ₹0.25/pt = ₹83.33/mo (₹1,000/yr)
Dining & delivery	₹3,500 → 140 pts/mo × ₹0.25/pt = ₹35/mo (₹420/yr)	₹3,500 → 233 pts/mo × ₹0.25/pt = ₹58.33/mo (₹700/yr)
Fuel	₹3,000 → 750 pts/mo × ₹0.25/pt = ₹187.50/mo (₹2,250/yr) · issuer max ₹10,000/mo	—
Top reward rate	25X points	5X reward points
Primary reward cap	₹10,000 eligible spend/mo	No monthly cap published
Perks & restrictions
Lounge access	4 domestic airport lounge visits per year (1/quarter) · No minimum spend required for lounge access	6 domestic + 2 international airport 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 ₹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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