HDFC Marriott Bonvoy vs SBI BPCL Octane
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
SBI BPCL Octane wins 5-3. Highest fuel cashback in India — 7.25% effective at BPCL pumps. HDFC Marriott Bonvoy is still the right call if marriott loyalists — every ₹150 = 8 bonvoy points on marriott + 2 elsewhere..
Side-by-side
| Criterion | HDFC Marriott Bonvoy | SBI BPCL Octane |
|---|---|---|
| Annual fee | · ₹3,000 | ₹1,499 |
| Joining fee | · ₹3,000 | ₹1,499 |
| Top reward rate | 8% (travel) | · 7.25% (fuel) |
| Base reward rate | 2% | · 1.25% |
| Forex markup | 1.99% | · 3.5% |
| Welcome bonus | = 1 free night at any Marriott property + Marriott Bonvoy Silver Elite status | = 6,000 BPCL reward points (₹1,500 fuel value) |
| Fee waiver threshold | · ₹800,000 / yr | ₹200,000 / yr |
| Min income | · ₹1,500,000 | ₹360,000 |
| Min credit score | · 770 | 740 |
| Editorial rating | = 4.5/5 | = 4.5/5 |
Benefits compared
HDFC Marriott Bonvoy
- 8 Bonvoy points per ₹150 on Marriott
- 4 Bonvoy points per ₹150 on travel + dining
- 2 Bonvoy points per ₹150 on everything else
- 1 free night annually at Marriott (up to 15K Bonvoy point value)
- Marriott Bonvoy Silver Elite status (15 elite night credits)
- 8 international + 8 domestic lounge visits/year
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 Marriott Bonvoy vs SBI BPCL Octane: which is better?
SBI BPCL Octane wins on more dimensions (5 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 HDFC Marriott Bonvoy 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 Marriott Bonvoy: 1 free night at any Marriott property + Marriott Bonvoy Silver Elite status. SBI BPCL Octane: 6,000 BPCL reward points (₹1,500 fuel value).