Side-by-side · honest numbers
SBI BPCL Octane vs SBI Card PRIME vs Standard Chartered Ultimate Credit Card
Honest side-by-side comparison of SBI BPCL Octane, SBI Card PRIME, Standard Chartered Ultimate Credit Card — 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 ranks first for estimated net annual value — ahead of Standard Chartered Ultimate Credit Card by about ₹5,810/yr.
| Feature | SBI BPCL Octane SBI Card | SBI Card PRIME SBI Card | Standard Chartered Ultimate Credit Card Standard Chartered |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹1,499 | ₹2,999 | ₹5,000 |
| Fee waiver threshold | Waived at ₹2,00,000/yr spend | ₹5,00,000/yr | No waiver published |
| Min income | ₹30,000/mo | ₹45,000/mo | ₹60,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹9,570/yr | ₹1,501/yr | ₹3,760/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 | — | 6 pts per ₹150 spend → ₹50/mo (₹600/yr) | 5% cashback → ₹250/mo (₹3,000/yr) |
| Top reward rate | 25X points | 4X reward points | 5% |
| Primary reward cap | ₹10,000 eligible spend/mo | No monthly cap published | ₹5,000 eligible spend/mo |
| Perks & restrictions | |||
| Lounge access | None | Domestic lounge visits per year — verify count | None |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | Non-BPCL fuel · EMI · Rent · Wallet | Fuel · Rent · Wallet · EMI | EMI · Fuel · Rent |
| 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 ₹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.
SBI BPCL Octane
SBI Card
SBI Card PRIME
SBI Card
Standard Chartered Ultimate Credit Card
Standard Chartered
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 PRIME •••• •••• •••• 4242 Quick facts SBI Card PRIME Top reward4X reward points Annual fee₹2,999 Min income₹45,000/mo Tap to flip back SBI Card PRIME SBI Card | Standard CharteredPlatinum Standard Chartered Ultimate Credit Card •••• •••• •••• 4242 Quick facts Standard Chartered Ultimate Credit Card Top reward5% Annual fee₹5,000 Min income₹60,000/mo Tap to flip back Standard Chartered Ultimate Credit Card Standard Chartered |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹1,499 | ₹2,999 | ₹5,000 |
| Fee waiver threshold | Waived at ₹2,00,000/yr spend | ₹5,00,000/yr | No waiver published |
| Min income | ₹30,000/mo | ₹45,000/mo | ₹60,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹9,570/yr | ₹1,501/yr | ₹3,760/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 | — | 6 pts per ₹150 spend → ₹50/mo (₹600/yr) | 5% cashback → ₹250/mo (₹3,000/yr) |
| Top reward rate | 25X points | 4X reward points | 5% |
| Primary reward cap | ₹10,000 eligible spend/mo | No monthly cap published | ₹5,000 eligible spend/mo |
| Perks & restrictions | |||
| Lounge access | None | Domestic lounge visits per year — verify count | None |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | Non-BPCL fuel · EMI · Rent · Wallet | Fuel · Rent · Wallet · EMI | EMI · Fuel · Rent |
| Bonuses | |||
| Signup bonus | ₹6,000 | ₹3,000 | — |
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https://cardhungry.com/in/en/compare/sbi-bpcl-octane-vs-sbi-prime-vs-sc-ultimateMore SBI BPCL Octane comparisons
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