Which card has the lower annual fee?

SBI Card against Fixed Deposit has a ₹0 annual fee (lifetime free or zero-fee tier).

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.

Which cards are secured (FD-backed)?

SBI Card against Fixed Deposit is secured — useful for thin credit files without a bureau pull at application.

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 against Fixed Deposit

Honest side-by-side comparison of SBI BPCL Octane, SBI Card against Fixed Deposit — 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 against Fixed Deposit

SBI Card

Your adjusted comparison

Feature	SBI BPCL Octane SBI Card	SBI Card against Fixed Deposit SBI Card
Fees & eligibility
Annual fee	₹1,499	Lifetime free
Fee waiver threshold	Waived at ₹2,00,000/yr spend	Lifetime free
Min income	₹30,000/mo	Not stated
Secured / FD-backed	Standard	FD-backed
Rewards
Net annual value (moderate)	₹2,850/yr	₹1,440/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	25X points	80% of FD value
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	None
UPI rewards	Not supported (Visa/MC)	Not supported (Visa/MC)
Key exclusions	Non-BPCL fuel · EMI · Rent · Wallet	Not stated
Bonuses
Signup bonus	₹6,000	—

Stack mode (hold both)

Cap-aware split: ~₹4,020/yr combined NAV (₹1,170 vs best solo). Both annual fees apply.

SBI BPCL Octane details →SBI Card against Fixed Deposit details →

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Reference summary

At a glance (moderate spend)

Quick verdict: On moderate spend, SBI BPCL Octane leads SBI Card against Fixed Deposit by about ₹1,410/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 against Fixed Deposit comparison table
Feature	SBI BPCL Octane SBI Card	SBI Card against Fixed Deposit SBI Card
Fees & eligibility
Annual fee	₹1,499	Lifetime free
Fee waiver threshold	Waived at ₹2,00,000/yr spend	Lifetime free
Min income	₹30,000/mo	Not stated
Secured / FD-backed	Standard	FD-backed
Rewards
Net annual value (moderate)	₹2,850/yr	₹1,440/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	25X points	80% of FD value
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	None
UPI rewards	Not supported (Visa/MC)	Not supported (Visa/MC)
Key exclusions	Non-BPCL fuel · EMI · Rent · Wallet	Not stated
Bonuses
Signup bonus	₹6,000	—

Frequently asked questions

Which card has the lower annual fee?: SBI Card against Fixed Deposit has a ₹0 annual fee (lifetime free or zero-fee tier).
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.
Which cards are secured (FD-backed)?: SBI Card against Fixed Deposit is secured — useful for thin credit files without a bureau pull at application.
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

More SBI BPCL Octane comparisons