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SBI BPCL Octane vs Standard Chartered Smart Card

Honest side-by-side comparison of SBI BPCL Octane, Standard Chartered Smart 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

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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

Standard Chartered Smart Card

Standard Chartered

Your adjusted comparison

Feature
SBI BPCL Octane credit card

SBI BPCL Octane

SBI Card

Standard Chartered Smart Card credit card

Standard Chartered Smart Card

Standard Chartered

Fees & eligibility
Annual fee₹1,499₹499
Fee waiver thresholdWaived at ₹2,00,000/yr spendNo waiver published
Min income₹30,000/mo₹30,000/mo
Secured / FD-backedStandardStandard
Rewards
Net annual value (moderate)₹2,850/yr₹2,831/yr
Online shopping—₹8,000 × 2% = ₹160/mo (₹1,920/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 rate25X points2% cashback
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 accessNone
UPI rewardsNot supported (Visa/MC)Not supported (Visa/MC)
Key exclusionsNon-BPCL fuel · EMI · Rent · WalletEMI · Fuel · Rent
Bonuses
Signup bonus₹6,000—

Stack mode (hold both)

Cap-aware split: ~₹5,081/yr combined NAV (₹2,231 vs best solo). Both annual fees apply.

SBI BPCL Octane details →Standard Chartered Smart Card details →

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Reference summary

At a glance (moderate spend)

Quick verdict: On moderate spend, SBI BPCL Octane leads Standard Chartered Smart Card by about ₹19/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 Standard Chartered Smart Card comparison table
FeatureSBI BPCL Octane

SBI Card

Standard Chartered Smart Card

Standard Chartered

Fees & eligibility
Annual fee₹1,499₹499
Fee waiver thresholdWaived at ₹2,00,000/yr spendNo waiver published
Min income₹30,000/mo₹30,000/mo
Secured / FD-backedStandardStandard
Rewards
Net annual value (moderate)₹2,850/yr₹2,831/yr
Online shopping—₹8,000 × 2% = ₹160/mo (₹1,920/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 rate25X points2% cashback
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 accessNone
UPI rewardsNot supported (Visa/MC)Not supported (Visa/MC)
Key exclusionsNon-BPCL fuel · EMI · Rent · WalletEMI · Fuel · Rent
Bonuses
Signup bonus₹6,000—

Frequently asked questions

Which card has the lower annual fee?
Standard Chartered Smart Card 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 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.

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