Side-by-side · honest numbers
SBI BPCL Octane vs Flipkart SBI Card
Honest side-by-side comparison of SBI BPCL Octane, Flipkart SBI 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
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.
SBI BPCL Octane
SBI Card
Flipkart SBI Card
SBI Card
Your adjusted comparison
| Feature | SBI BPCL Octane SBI Card | Flipkart SBI Card SBI Card |
|---|---|---|
| Fees & eligibility | ||
| Annual fee | ₹1,499 | ₹500 |
| Fee waiver threshold | Waived at ₹2,00,000/yr spend | Waived at ₹3,50,000/yr spend |
| Min income | ₹30,000/mo | ₹25,000/mo |
| Secured / FD-backed | Standard | Standard |
| Rewards | ||
| Net annual value (moderate) | ₹1,275/yr | ₹7,122/yr |
| Online shopping | — | ₹2,400 × 7.5% = ₹180/mo (₹2,160/yr) · issuer max ₹1,333.33/mo |
| Groceries (offline) | ₹5,000 → 200 pts/mo × ₹0.25/pt = ₹50/mo (₹600/yr) | ₹5,000 × 5% = ₹250/mo (₹3,000/yr) · issuer max ₹1,333.33/mo |
| Dining & delivery | ₹3,500 → 140 pts/mo × ₹0.25/pt = ₹35/mo (₹420/yr) | ₹1,050 × 4% = ₹42/mo (₹504/yr) |
| Fuel | ₹900 → 225 pts/mo × ₹0.25/pt = ₹56.25/mo (₹675/yr) · issuer max ₹10,000/mo | — |
| Travel | — | ₹900 × 5% = ₹45/mo (₹540/yr) · issuer max ₹1,333.33/mo |
| Top reward rate | 25X points | 5% |
| Primary reward cap | ₹10,000 eligible spend/mo | ₹4,000/quarter |
| 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 | Fuel · Rent · Wallet · EMI · Insurance |
| Bonuses | ||
| Signup bonus | ₹6,000 | ₹250 |
Stack mode (hold both)
Cap-aware split: ~₹15,630/yr combined NAV (₹8,508 vs best solo). Both annual fees apply.
Share this comparison
https://cardhungry.com/in/en/compare/sbi-bpcl-octane-vs-sbi-flipkartReference summary
At a glance (moderate spend)
Quick verdict: On moderate spend, Flipkart SBI Card leads SBI BPCL Octane by about ₹5,847/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 | SBI BPCL Octane SBI Card | Flipkart SBI Card SBI Card |
|---|---|---|
| Fees & eligibility | ||
| Annual fee | ₹1,499 | ₹500 |
| Fee waiver threshold | Waived at ₹2,00,000/yr spend | Waived at ₹3,50,000/yr spend |
| Min income | ₹30,000/mo | ₹25,000/mo |
| Secured / FD-backed | Standard | Standard |
| Rewards | ||
| Net annual value (moderate) | ₹1,275/yr | ₹7,122/yr |
| Online shopping | — | ₹2,400 × 7.5% = ₹180/mo (₹2,160/yr) · issuer max ₹1,333.33/mo |
| Groceries (offline) | ₹5,000 → 200 pts/mo × ₹0.25/pt = ₹50/mo (₹600/yr) | ₹5,000 × 5% = ₹250/mo (₹3,000/yr) · issuer max ₹1,333.33/mo |
| Dining & delivery | ₹3,500 → 140 pts/mo × ₹0.25/pt = ₹35/mo (₹420/yr) | ₹1,050 × 4% = ₹42/mo (₹504/yr) |
| Fuel | ₹900 → 225 pts/mo × ₹0.25/pt = ₹56.25/mo (₹675/yr) · issuer max ₹10,000/mo | — |
| Travel | — | ₹900 × 5% = ₹45/mo (₹540/yr) · issuer max ₹1,333.33/mo |
| Top reward rate | 25X points | 5% |
| Primary reward cap | ₹10,000 eligible spend/mo | ₹4,000/quarter |
| 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 | Fuel · Rent · Wallet · EMI · Insurance |
| Bonuses | ||
| Signup bonus | ₹6,000 | ₹250 |
Frequently asked questions
- Which card has the lower annual fee?
- Flipkart SBI Card has the lowest annual fee at ₹500.
- Which card earns more on moderate spend?
- Flipkart SBI Card leads with an estimated ₹7,122/yr net annual value on moderate spend.
- Which card has the lower income requirement?
- Flipkart SBI 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.
More SBI BPCL Octane comparisons
- SBI BPCL Octane vs 811 Dream Different Credit Card
- SBI BPCL Octane vs AU Altura Credit Card
- SBI BPCL Octane vs AU Altura+ Credit Card
- SBI BPCL Octane vs AU LIT Credit Card
- SBI BPCL Octane vs AU Zenith Credit Card
- SBI BPCL Octane vs American Express Gold Card
- SBI BPCL Octane vs American Express Platinum Travel Card
- SBI BPCL Octane vs American Express SmartEarn Credit Card
- SBI BPCL Octane vs Amex Membership Rewards CC
- SBI BPCL Octane vs Axis Bank ACE Credit Card
- SBI BPCL Octane vs Axis Bank Airtel Credit Card
- SBI BPCL Octane vs Axis Bank Atlas Credit Card