Head-to-head · 🇮🇳 India
AU Bank LIT vs SBI BPCL Octane
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
IN
AU Small Finance Bank
AU Bank LIT
VISA
Wins 3 of 10
IN
SBI Card
SBI BPCL Octane
VISA
Wins 4 of 10
Verdict
SBI BPCL Octane wins 4-3. Highest fuel cashback in India — 7.25% effective at BPCL pumps. AU Bank LIT is still the right call if pick-your-own-categories — toggle 5x on the categories you spend in..
Side-by-side
| Criterion | AU Bank LIT | SBI BPCL Octane |
|---|---|---|
| Annual fee | No annual fee | · ₹1,499 |
| Joining fee | None | · ₹1,499 |
| Top reward rate | · 1% (general) | 7.25% (fuel) |
| Base reward rate | · 1% | 1.25% |
| Forex markup | = 3.5% | = 3.5% |
| Welcome bonus | = Customizable category boosts at sign-up | = 6,000 BPCL reward points (₹1,500 fuel value) |
| Fee waiver threshold | · N/A (no fee) | ₹200,000 / yr |
| Min income | = ₹360,000 | = ₹360,000 |
| Min credit score | 720 | · 740 |
| Editorial rating | · 4.4/5 | 4.5/5 |
Benefits compared
AU Bank LIT
- Customize 1 of 8 spend categories at any time
- 5x reward points on chosen category
- 1% fuel surcharge waiver
- 4 free domestic lounge visits/year
- No annual fee, ever
SBI BPCL Octane
- 25 reward points per ₹100 at BPCL (~7.25% value)
- 10x rewards on dining + grocery + departmental
- 4 domestic lounge visits/year
- 1% fuel surcharge waiver
FAQ
›AU Bank LIT vs SBI BPCL Octane: which is better?
SBI BPCL Octane wins on more dimensions (4 vs 3). But the right answer depends on your specific spending pattern — see the calculator below.
›Can I get both?
Yes — if your credit profile supports it, holding both is the optimal play. Use AU Bank LIT for its best categories, SBI BPCL Octane for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
AU Bank LIT: Customizable category boosts at sign-up. SBI BPCL Octane: 6,000 BPCL reward points (₹1,500 fuel value).