HDFC Infinia (Metal) vs SBI BPCL Octane
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
SBI BPCL Octane wins 5-4. Highest fuel cashback in India — 7.25% effective at BPCL pumps. HDFC Infinia (Metal) is still the right call if top-tier travelers — invitation-only, the apex of hdfc reward redemption..
Side-by-side
| Criterion | HDFC Infinia (Metal) | SBI BPCL Octane |
|---|---|---|
| Annual fee | · ₹12,500 | ₹1,499 |
| Joining fee | · ₹12,500 | ₹1,499 |
| Top reward rate | 33% (travel) | · 7.25% (fuel) |
| Base reward rate | 3.3% | · 1.25% |
| Forex markup | 1.99% | · 3.5% |
| Welcome bonus | = 12,500 reward points (offsets joining fee 1:1) | = 6,000 BPCL reward points (₹1,500 fuel value) |
| Fee waiver threshold | · ₹1,000,000 / yr | ₹200,000 / yr |
| Min income | · ₹4,000,000 | ₹360,000 |
| Min credit score | · 800 | 740 |
| Editorial rating | 4.9/5 | · 4.5/5 |
Benefits compared
HDFC Infinia (Metal)
- Unlimited international + domestic lounge access (self + guest)
- 10x reward points on SmartBuy partners
- Free annual Club Marriott + Club Vistara Gold
- Concierge 24x7
- 2% forex markup
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
›HDFC Infinia (Metal) vs SBI BPCL Octane: which is better?
SBI BPCL Octane wins on more dimensions (5 vs 4). 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 HDFC Infinia (Metal) 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?
HDFC Infinia (Metal): 12,500 reward points (offsets joining fee 1:1). SBI BPCL Octane: 6,000 BPCL reward points (₹1,500 fuel value).