Side-by-side · honest numbers
SBI BPCL Octane vs YES Bank Marquee Credit Card
Honest side-by-side comparison of SBI BPCL Octane, YES Bank Marquee Credit Card — annual fees, reward rates, income eligibility, and estimated net annual value on the same spend profile.
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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 Bank Marquee Credit Card
YES Bank
Your adjusted comparison
| Feature | SBI BPCL Octane SBI Card | YES Bank Marquee Credit Card YES Bank |
|---|---|---|
| Fees & eligibility | ||
| Annual fee | ₹1,499 | ₹9,999 |
| Fee waiver threshold | Waived at ₹2,00,000/yr spend | No waiver published |
| Min income | ₹30,000/mo | ₹40,000/mo |
| Secured / FD-backed | Standard | Standard |
| Rewards | ||
| Net annual value (moderate) | ₹2,850/yr | -₹10,839/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 → 80 pts/mo × ₹0.25/pt = ₹20/mo (₹240/yr) |
| Top reward rate | 25X points | 4 RP/₹150 |
| 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 | Domestic lounge access · Mid-tier YES card — lounge often requires prior-month spend; check YES Bank T&Cs |
| 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 | — |
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https://cardhungry.com/in/en/compare/sbi-bpcl-octane-vs-yes-marqueeReference summary
At a glance (moderate spend)
Quick verdict: On moderate spend, SBI BPCL Octane leads YES Bank Marquee Credit Card by about ₹13,689/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
| Feature | SBI BPCL Octane SBI Card | YES Bank Marquee Credit Card YES Bank |
|---|---|---|
| Fees & eligibility | ||
| Annual fee | ₹1,499 | ₹9,999 |
| Fee waiver threshold | Waived at ₹2,00,000/yr spend | No waiver published |
| Min income | ₹30,000/mo | ₹40,000/mo |
| Secured / FD-backed | Standard | Standard |
| Rewards | ||
| Net annual value (moderate) | ₹2,850/yr | -₹10,839/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 → 80 pts/mo × ₹0.25/pt = ₹20/mo (₹240/yr) |
| Top reward rate | 25X points | 4 RP/₹150 |
| 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 | Domestic lounge access · Mid-tier YES card — lounge often requires prior-month spend; check YES Bank T&Cs |
| 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.
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