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SBI BPCL Octane vs YES ACE Credit Card

Honest side-by-side comparison of SBI BPCL Octane, YES ACE 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

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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

YES ACE Credit Card

YES Bank

Your adjusted comparison

Feature
SBI BPCL Octane credit card

SBI BPCL Octane

SBI Card

YES ACE Credit Card

YES ACE Credit Card

YES Bank

Fees & eligibility
Annual fee₹1,499₹499
Fee waiver thresholdWaived at ₹2,00,000/yr spendNo waiver published
Min income₹30,000/mo₹25,000/mo
Secured / FD-backedStandardStandard
Rewards
Net annual value (moderate)₹2,850/yr₹3,401/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₹3,000 × 4% = ₹120/mo (₹1,440/yr) · issuer max ₹1,000/mo
Top reward rate25X points4% cashback
Primary reward cap₹10,000 eligible spend/mo₹1,000 eligible spend/mo
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 · Rent
Bonuses
Signup bonus₹6,000—

Stack mode (hold both)

Cap-aware split: ~₹4,166/yr combined NAV (₹765 vs best solo). Both annual fees apply.

SBI BPCL Octane details →YES ACE Credit Card details →

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Reference summary

At a glance (moderate spend)

Quick verdict: On moderate spend, YES ACE Credit Card leads SBI BPCL Octane by about ₹551/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 YES ACE Credit Card comparison table
FeatureSBI BPCL Octane

SBI Card

YES ACE Credit Card

YES Bank

Fees & eligibility
Annual fee₹1,499₹499
Fee waiver thresholdWaived at ₹2,00,000/yr spendNo waiver published
Min income₹30,000/mo₹25,000/mo
Secured / FD-backedStandardStandard
Rewards
Net annual value (moderate)₹2,850/yr₹3,401/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₹3,000 × 4% = ₹120/mo (₹1,440/yr) · issuer max ₹1,000/mo
Top reward rate25X points4% cashback
Primary reward cap₹10,000 eligible spend/mo₹1,000 eligible spend/mo
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 · Rent
Bonuses
Signup bonus₹6,000—

Frequently asked questions

Which card has the lower annual fee?
YES ACE Credit Card has the lowest annual fee at ₹499.
Which card earns more on moderate spend?
YES ACE Credit Card leads with an estimated ₹3,401/yr net annual value on moderate spend.
Which card has the lower income requirement?
YES ACE Credit Card lists a minimum monthly income of ₹25,000.
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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