Head-to-head · 🇮🇳 India
ICICI Coral vs SBI BPCL Octane
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
IN
ICICI Bank
ICICI Coral
VISA
Wins 5 of 10
IN
SBI Card
SBI BPCL Octane
VISA
Wins 3 of 10
Verdict
ICICI Coral wins 5-3. Entry-tier card — easy approval, decent base earning, low fee. SBI BPCL Octane is still the right call if highest fuel cashback in india — 7.25% effective at bpcl pumps..
Side-by-side
| Criterion | ICICI Coral | SBI BPCL Octane |
|---|---|---|
| Annual fee | ₹500 | · ₹1,499 |
| Joining fee | ₹500 | · ₹1,499 |
| Top reward rate | · 1% (general) | 7.25% (fuel) |
| Base reward rate | · 1% | 1.25% |
| Forex markup | = 3.5% | = 3.5% |
| Welcome bonus | = 2,000 PAYBACK points on first 60-day spend | = 6,000 BPCL reward points (₹1,500 fuel value) |
| Fee waiver threshold | ₹150,000 / yr | · ₹200,000 / yr |
| Min income | ₹240,000 | · ₹360,000 |
| Min credit score | 700 | · 740 |
| Editorial rating | · 4.2/5 | 4.5/5 |
Benefits compared
ICICI Coral
- 2 PAYBACK points per ₹100
- 4 complimentary domestic lounge visits per year
- 15% off at 2,500+ partner restaurants (Culinary Treats)
- 1% fuel surcharge waiver
- Free movie tickets via BookMyShow (buy-1-get-1)
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
›ICICI Coral vs SBI BPCL Octane: which is better?
ICICI Coral 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 ICICI Coral 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?
ICICI Coral: 2,000 PAYBACK points on first 60-day spend. SBI BPCL Octane: 6,000 BPCL reward points (₹1,500 fuel value).