What are the annual fees for BPCL SBI Octane Credit Card and Cashback SBI Credit Card?

BPCL SBI Octane Credit Card has ₹1,499 + GST. Cashback SBI Credit Card has ₹999 + GST. Fees are shown before 18% GST, which is added on the bill.

What base reward rate does each card earn?

BPCL SBI Octane Credit Card earns about 0.25% on general spends; Cashback SBI Credit Card earns about 1%. Category and partner rates may differ — see the table above.

Do online and offline rewards differ between them?

BPCL SBI Octane Credit Card: same rate online and offline. Cashback SBI Credit Card: 5% online / 1% offline.

What is the forex markup on each card?

BPCL SBI Octane Credit Card: 3.5%. Cashback SBI Credit Card: 3.5% (plus 18% GST on the markup).

Do both cards include airport lounge access?

BPCL SBI Octane Credit Card: yes — see the lounge row above for limits. Cashback SBI Credit Card: none specified.

Card Comparison

BPCL SBI Octane vs Cashback SBI

The key difference: 1% effective rate vs 0.25%. BPCL SBI Octane vs Cashback SBIcompared side by side on fees, reward rates, caps, exclusions, and eligibility — weigh each against how you actually spend.

BPCL SBI Octane

SBI Card

Fee₹1,499+GST

Eff. rate0.25%

CapCategory

Fee

₹1,499+GST

Eff. rate

0.25%

Cap

How they compare

BPCL SBI Octane and Cashback SBIsuit different spending patterns, so the right pick depends on where and how much you spend — the headline difference is called out at the top. Use the table below to weigh fees, reward rates, caps, and exclusions against your own usage.

At a glance

BPCL SBI Octane

Annual fee: ₹1,499 + GST
Everyday rate: 0.3%
Monthly cap: No cap

Notable strengths

Bonus rewards on BPCL (up to 6.3%)
No monthly reward cap

Cashback SBI

Annual fee: ₹999 + GST
Everyday rate: 1%
Monthly cap: ₹4,000/mo

Notable strengths

Strong online-shopping rewards (up to 5%)
Direct cashback — nothing to redeem

Each card's own strengths — not a ranking. Weigh them against where you actually spend.

52 specs · 13 sections

BPCL SBI Octane

Cashback SBI

Feature

BPCL SBI Octane

Cashback SBI

Annual Fee

₹1,499

₹999

Joining Fee

₹1,499

₹999

Fee Waiver Spend

₹2,00,000

Forex Markup

3.5%

Reward Type

Reward Points

Cashback

Base Rate

0.25%

Online Rate

0.25%

Offline Rate

0.25%

Effective Base Rate

0.25%

Point Value

₹0.25

₹1

Redemption Quality

MEDIUM

HIGH

Best Redemption

₹0.25

₹1

Worst Redemption

₹0.15

₹1

Bharat Gas

6.25%

—

Bpcl

6.25%

—

Grocery / Supermarkets

2.5%

5% online / 1% offline

Fuel / Petrol / Diesel / CNG

0% (Excluded)

Restaurants / Dine-in

2.5%

5% online / 1% offline

Flights, Hotels, OTAs, Tour Operators

0.25%

5% online / 1% offline

Other Retail / Catch-all

0.25%

5% online / 1% offline

Monthly Cap

Category caps apply

₹4,000

Est. Annual Cap

Category caps apply

₹48,000

Total Excluded

3 categories

12 categories

Railway / Train Tickets

Earns rewards

Excluded

Highway Tolls / FASTag

Earns rewards

Excluded

Gold / Jewellery

Earns rewards

Excluded

Electricity, Water, Gas, Internet, DTH, Mobile Recharge

Earns rewards

Excluded

Domestic Visits/Year

None

International Visits/Year

None

Priority Pass

Est. Annual Value

₹1,760

—

Forex Markup

3.5%

Description

6,000 Bonus Reward Points worth ₹1,500 on payment of annual membership fee

—

Estimated Value

₹1,500

—

Fuel Surcharge Waiver

Yes

Best Suited For

Fuel, Dining, Grocery, Movies

Online Shopping, Cashback

Min Income

₹25,000/month

₹30,000/month

Income Proof

Required

Not required

Secured FD

Accepting Applications

Yes

Network

Visa, RuPay

Visa

Card Tier

Gold

Classic

Still weighing your options?

Other popular matchups to line up against your shortlist.

Frequently asked questions

What are the annual fees for BPCL SBI Octane Credit Card and Cashback SBI Credit Card?: BPCL SBI Octane Credit Card has ₹1,499 + GST. Cashback SBI Credit Card has ₹999 + GST. Fees are shown before 18% GST, which is added on the bill.
What base reward rate does each card earn?: BPCL SBI Octane Credit Card earns about 0.25% on general spends; Cashback SBI Credit Card earns about 1%. Category and partner rates may differ — see the table above.
Do online and offline rewards differ between them?: BPCL SBI Octane Credit Card: same rate online and offline. Cashback SBI Credit Card: 5% online / 1% offline.
What is the forex markup on each card?: BPCL SBI Octane Credit Card: 3.5%. Cashback SBI Credit Card: 3.5% (plus 18% GST on the markup).
Do both cards include airport lounge access?: BPCL SBI Octane Credit Card: yes — see the lounge row above for limits. Cashback SBI Credit Card: none specified.

Reviewed by WhichWise Editorial Team. Each card's data is verified against the issuer's official terms.

Sources: SBI Card - BPCL SBI Octane · SBI Card - Cashback SBI