CardHungry

Side-by-side · honest numbers

SBI BPCL Octane vs SBI Card PRIME

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

SBI Card PRIME

SBI Card

Your adjusted comparison

Feature
SBI BPCL Octane credit card

SBI BPCL Octane

SBI Card

SBI Card PRIME credit card

SBI Card PRIME

SBI Card

Fees & eligibility
Annual fee₹1,499₹2,999
Fee waiver thresholdWaived at ₹2,00,000/yr spend₹5,00,000/yr
Min income₹30,000/mo₹45,000/mo
Secured / FD-backedStandardStandard
Rewards
Net annual value (moderate)₹2,850/yr-₹2,339/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—
Travel—₹3,000 → 120 pts/mo × ₹0.25/pt = ₹30/mo (₹360/yr)
Top reward rate25X points5X reward points
Primary reward cap₹10,000 eligible spend/moNo monthly cap published
Perks & restrictions
Lounge access4 domestic airport lounge visits per year (1/quarter) · No minimum spend required for lounge access8 domestic (2/quarter) + 4 international (1/quarter) airport lounge visits/year · No minimum spend required for lounge access
UPI rewardsNot supported (Visa/MC)Not supported (Visa/MC)
Key exclusionsNon-BPCL fuel · EMI · Rent · WalletFuel · Rent · Wallet · EMI
Bonuses
Signup bonus₹6,000₹3,000

Stack mode (hold both)

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

SBI BPCL Octane details →SBI Card PRIME details →

Share this comparison

https://cardhungry.com/in/en/compare/sbi-bpcl-octane-vs-sbi-prime

Reference summary

At a glance (moderate spend)

Quick verdict: On moderate spend, SBI BPCL Octane leads SBI Card PRIME by about ₹5,189/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 PRIME comparison table
FeatureSBI BPCL Octane

SBI Card

SBI Card PRIME

SBI Card

Fees & eligibility
Annual fee₹1,499₹2,999
Fee waiver thresholdWaived at ₹2,00,000/yr spend₹5,00,000/yr
Min income₹30,000/mo₹45,000/mo
Secured / FD-backedStandardStandard
Rewards
Net annual value (moderate)₹2,850/yr-₹2,339/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—
Travel—₹3,000 → 120 pts/mo × ₹0.25/pt = ₹30/mo (₹360/yr)
Top reward rate25X points5X reward points
Primary reward cap₹10,000 eligible spend/moNo monthly cap published
Perks & restrictions
Lounge access4 domestic airport lounge visits per year (1/quarter) · No minimum spend required for lounge access8 domestic (2/quarter) + 4 international (1/quarter) airport lounge visits/year · No minimum spend required for lounge access
UPI rewardsNot supported (Visa/MC)Not supported (Visa/MC)
Key exclusionsNon-BPCL fuel · EMI · Rent · WalletFuel · Rent · Wallet · EMI
Bonuses
Signup bonus₹6,000₹3,000

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.

More SBI BPCL Octane comparisons