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.

Side-by-side · honest numbers

SBI BPCL Octane vs Standard Chartered Ultimate Credit Card

Honest side-by-side comparison of SBI BPCL Octane, Standard Chartered Ultimate Credit 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.

Card 1

SBI BPCL Octane

SBI Card

Card 2

Standard Chartered Ultimate Credit Card

Standard Chartered

Your adjusted comparison

Feature	SBI BPCL Octane SBI Card	Standard Chartered Ultimate Credit Card Standard Chartered
Fees & eligibility
Annual fee	₹1,499	₹5,000
Fee waiver threshold	Waived at ₹2,00,000/yr spend	No waiver published
Min income	₹30,000/mo	₹60,000/mo
Secured / FD-backed	Standard	Standard
Rewards
Net annual value (moderate)	₹2,850/yr	₹700/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 × 5% = ₹150/mo (₹1,800/yr) · issuer max ₹5,000/mo
Top reward rate	25X points	5%
Primary reward cap	₹10,000 eligible spend/mo	₹5,000 eligible spend/mo
Perks & restrictions
Lounge access	4 domestic airport lounge visits per year (1/quarter) · No minimum spend required for lounge access	Complimentary domestic + international airport lounge access (Priority Pass) · No minimum spend required for lounge access
UPI rewards	Not supported (Visa/MC)	Not supported (Visa/MC)
Key exclusions	Non-BPCL fuel · EMI · Rent · Wallet	EMI · Fuel · Rent
Bonuses
Signup bonus	₹6,000	—

Stack mode (hold both)

Cap-aware split: ~₹2,860/yr combined NAV (₹10 vs best solo). Both annual fees apply.

SBI BPCL Octane details →Standard Chartered Ultimate Credit Card details →

Share this comparison

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

Reference summary

At a glance (moderate spend)

Quick verdict: On moderate spend, SBI BPCL Octane leads Standard Chartered Ultimate Credit Card by about ₹2,150/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 Ultimate Credit Card comparison table
Feature	SBI BPCL Octane SBI Card	Standard Chartered Ultimate Credit Card Standard Chartered
Fees & eligibility
Annual fee	₹1,499	₹5,000
Fee waiver threshold	Waived at ₹2,00,000/yr spend	No waiver published
Min income	₹30,000/mo	₹60,000/mo
Secured / FD-backed	Standard	Standard
Rewards
Net annual value (moderate)	₹2,850/yr	₹700/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 × 5% = ₹150/mo (₹1,800/yr) · issuer max ₹5,000/mo
Top reward rate	25X points	5%
Primary reward cap	₹10,000 eligible spend/mo	₹5,000 eligible spend/mo
Perks & restrictions
Lounge access	4 domestic airport lounge visits per year (1/quarter) · No minimum spend required for lounge access	Complimentary domestic + international airport lounge access (Priority Pass) · No minimum spend required for lounge access
UPI rewards	Not supported (Visa/MC)	Not supported (Visa/MC)
Key exclusions	Non-BPCL fuel · EMI · Rent · Wallet	EMI · Fuel · Rent
Bonuses
Signup bonus	₹6,000	—

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.

Customize your spend

Spend assumptions

Your adjusted comparison

At a glance (moderate spend)

Frequently asked questions

More SBI BPCL Octane comparisons