1. BPCL SBI Octane Credit Card
- Annual Fee: ₹1,499 + taxes
- Reward Rate:
- 25 Reward Points (RP) per ₹100 spent at BPCL fuel stations
- 10 RP per ₹100 spent on groceries, dining, departmental stores, and movie tickets
- 1 RP per ₹100 on other spends
- Fuel Savings: 7.25% value back (6.25% via Reward Points + 1% fuel surcharge waiver)
- Welcome Benefits: 6,000 bonus RP worth ₹1,500
- Milestone Benefits: Voucher worth ₹2,000 on annual spending of ₹3 lakhs
- Travel Perks: Complimentary access to domestic lounges once every quarter
- Additional Perks: Rewards on non-fuel transactions like groceries, dining, and movies
2. IndianOil RBL Bank XTRA Credit Card
- Annual Fee: ₹1,500 + taxes
- Reward Rate:
- 15 Fuel Points (FP) per ₹100 spent at Indian Oil fuel stations
- 2 FP per ₹100 on other spends
- Fuel Savings: 8.5% value back (7.5% via Fuel Points + 1% fuel surcharge waiver)
- Welcome Benefits: 3,000 Fuel Points
- Milestone Benefits: Earn 4,000 Fuel Points on annual spending of ₹3 lakhs (1,000 FP per quarter on ₹75,000 spends)
- UPI Payments: Supports UPI as it’s powered by the RuPay network
- Fuel Focus: Primarily focuses on fuel savings without extra perks for non-fuel categories
3. Key Comparison at a Glance
| Features | BPCL SBI Octane | IndianOil RBL XTRA |
|---|---|---|
| Annual Fee | ₹1,499 + GST | ₹1,500 + GST |
| Fuel Savings | 7.25% | 8.5% |
| Welcome Benefits | 6,000 RP worth ₹1,500 | 3,000 Fuel Points |
| Rewards on Other Categories | Yes (Dining, Groceries, Movies) | No |
| Travel Perks | Yes (Lounge Access) | No |
| UPI Payments | No | Yes |