HDFC Regalia Gold 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 Regalia Gold is still the right call if mid-tier travel + dining without the diners black price tag.
Side-by-side
| Criterion | HDFC Regalia Gold | SBI BPCL Octane |
|---|---|---|
| Annual fee | · ₹2,500 | ₹1,499 |
| Joining fee | · ₹2,500 | ₹1,499 |
| Top reward rate | 25% (travel) | · 7.25% (fuel) |
| Base reward rate | 4% | · 1.25% |
| Forex markup | 2% | · 3.5% |
| Welcome bonus | = 2,500 reward points + ₹1,500 Marriott / Cult.fit voucher | = 6,000 BPCL reward points (₹1,500 fuel value) |
| Fee waiver threshold | · ₹400,000 / yr | ₹200,000 / yr |
| Min income | · ₹1,200,000 | ₹360,000 |
| Min credit score | · 770 | 740 |
| Editorial rating | 4.6/5 | · 4.5/5 |
Benefits compared
HDFC Regalia Gold
- 5x reward points on travel + dining via SmartBuy
- 4 complimentary international lounge visits per year (Priority Pass)
- 12 complimentary domestic lounge visits per year
- Annual memberships: Club Vistara Silver, MMT Black Elite
- Low forex markup: 2%
- Milestone benefits at ₹1.5L, ₹3L and ₹4L spend
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 Regalia Gold 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 Regalia Gold 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 Regalia Gold: 2,500 reward points + ₹1,500 Marriott / Cult.fit voucher. SBI BPCL Octane: 6,000 BPCL reward points (₹1,500 fuel value).