Which card has the lower annual fee?

SBI SimplySAVE has the lowest annual fee at ₹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 SimplySAVE lists a minimum monthly income of ₹18,000.

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 SimplySAVE

Honest side-by-side comparison of SBI BPCL Octane, SBI SimplySAVE — 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 SimplySAVE

SBI Card

Your adjusted comparison

Feature	SBI BPCL Octane SBI Card	SBI SimplySAVE SBI Card
Fees & eligibility
Annual fee	₹1,499	₹499
Fee waiver threshold	Waived at ₹2,00,000/yr spend	No waiver published
Min income	₹30,000/mo	₹18,000/mo
Secured / FD-backed	Standard	Standard
Rewards
Net annual value (moderate)	₹2,850/yr	₹2,751/yr
Groceries (offline)	₹5,000 → 200 pts/mo × ₹0.25/pt = ₹50/mo (₹600/yr)	₹5,000 → 500 pts/mo × ₹0.25/pt = ₹125.00/mo (₹1,500/yr)
Dining & delivery	₹3,500 → 140 pts/mo × ₹0.25/pt = ₹35/mo (₹420/yr)	₹3,500 → 350 pts/mo × ₹0.25/pt = ₹87.50/mo (₹1,050/yr)
Fuel	₹3,000 → 750 pts/mo × ₹0.25/pt = ₹187.50/mo (₹2,250/yr) · issuer max ₹10,000/mo	₹3,000 → 300 pts/mo × ₹0.25/pt = ₹75/mo (₹900/yr)
Top reward rate	25X points	10 RP/₹100
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)	Earns: 1 Reward Point per ₹100 on eligible spends (base rate) · cap Per SBI monthly caps
Key exclusions	Non-BPCL fuel · EMI · Rent · Wallet	EMI · Rent · Wallet
Bonuses
Signup bonus	₹6,000	₹2,000

Stack mode (hold both)

Cap-aware split: ~₹4,101/yr combined NAV (₹1,251 vs best solo). Both annual fees apply.

SBI BPCL Octane details →SBI SimplySAVE details →

Share this comparison

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

Reference summary

At a glance (moderate spend)

Quick verdict: On moderate spend, SBI BPCL Octane leads SBI SimplySAVE by about ₹99/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 SimplySAVE comparison table
Feature	SBI BPCL Octane SBI Card	SBI SimplySAVE SBI Card
Fees & eligibility
Annual fee	₹1,499	₹499
Fee waiver threshold	Waived at ₹2,00,000/yr spend	No waiver published
Min income	₹30,000/mo	₹18,000/mo
Secured / FD-backed	Standard	Standard
Rewards
Net annual value (moderate)	₹2,850/yr	₹2,751/yr
Groceries (offline)	₹5,000 → 200 pts/mo × ₹0.25/pt = ₹50/mo (₹600/yr)	₹5,000 → 500 pts/mo × ₹0.25/pt = ₹125.00/mo (₹1,500/yr)
Dining & delivery	₹3,500 → 140 pts/mo × ₹0.25/pt = ₹35/mo (₹420/yr)	₹3,500 → 350 pts/mo × ₹0.25/pt = ₹87.50/mo (₹1,050/yr)
Fuel	₹3,000 → 750 pts/mo × ₹0.25/pt = ₹187.50/mo (₹2,250/yr) · issuer max ₹10,000/mo	₹3,000 → 300 pts/mo × ₹0.25/pt = ₹75/mo (₹900/yr)
Top reward rate	25X points	10 RP/₹100
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)	Earns: 1 Reward Point per ₹100 on eligible spends (base rate) · cap Per SBI monthly caps
Key exclusions	Non-BPCL fuel · EMI · Rent · Wallet	EMI · Rent · Wallet
Bonuses
Signup bonus	₹6,000	₹2,000

Frequently asked questions

Which card has the lower annual fee?: SBI SimplySAVE has the lowest annual fee at ₹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 SimplySAVE lists a minimum monthly income of ₹18,000.
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

More SBI BPCL Octane comparisons