Head-to-head · 🇮🇳 India
HDFC Regalia vs SBI BPCL Octane
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
IN
HDFC Bank
HDFC Regalia
VISA
Wins 2 of 10
IN
SBI Card
SBI BPCL Octane
VISA
Wins 7 of 10
Verdict
SBI BPCL Octane wins 7-2. Highest fuel cashback in India — 7.25% effective at BPCL pumps. HDFC Regalia is still the right call if mid-tier travel without the regalia gold price tag..
Side-by-side
| Criterion | HDFC Regalia | SBI BPCL Octane |
|---|---|---|
| Annual fee | · ₹2,500 | ₹1,499 |
| Joining fee | · ₹2,500 | ₹1,499 |
| Top reward rate | · 2.7% (general) | 7.25% (fuel) |
| Base reward rate | 2.7% | · 1.25% |
| Forex markup | 2% | · 3.5% |
| Welcome bonus | = 2,500 reward points on first 90-day spend | = 6,000 BPCL reward points (₹1,500 fuel value) |
| Fee waiver threshold | · ₹300,000 / yr | ₹200,000 / yr |
| Min income | · ₹1,200,000 | ₹360,000 |
| Min credit score | · 770 | 740 |
| Editorial rating | · 4.3/5 | 4.5/5 |
Benefits compared
HDFC Regalia
- 4 reward points per ₹150
- 12 domestic + 6 international lounge visits/year
- Low forex markup 2%
- Buy-1-get-1 BookMyShow tickets
- Milestone reward points at ₹1L, ₹5L
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 vs SBI BPCL Octane: which is better?
SBI BPCL Octane wins on more dimensions (7 vs 2). 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 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: 2,500 reward points on first 90-day spend. SBI BPCL Octane: 6,000 BPCL reward points (₹1,500 fuel value).