Head-to-head · 🇮🇳 India
ICICI HPCL Coral vs SBI BPCL Octane
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
IN
ICICI Bank
ICICI HPCL Coral
VISA
Wins 5 of 10
IN
SBI Card
SBI BPCL Octane
VISA
Wins 3 of 10
Verdict
ICICI HPCL Coral wins 5-3. Fuel-heavy spenders at HPCL pumps. 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 HPCL Coral | SBI BPCL Octane |
|---|---|---|
| Annual fee | ₹199 | · ₹1,499 |
| Joining fee | ₹199 | · ₹1,499 |
| Top reward rate | · 5% (fuel) | 7.25% (fuel) |
| Base reward rate | · 1% | 1.25% |
| Forex markup | = 3.5% | = 3.5% |
| Welcome bonus | = 2,000 PAYBACK points on first transaction | = 6,000 BPCL reward points (₹1,500 fuel value) |
| Fee waiver threshold | ₹50,000 / yr | · ₹200,000 / yr |
| Min income | ₹250,000 | · ₹360,000 |
| Min credit score | 720 | · 740 |
| Editorial rating | · 4/5 | 4.5/5 |
Benefits compared
ICICI HPCL Coral
- 5% cashback on HPCL fuel
- 4% on grocery + dining
- 2.5% on utility bills via DragonPass
- 1% fuel surcharge waiver
- 2 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
›ICICI HPCL Coral vs SBI BPCL Octane: which is better?
ICICI HPCL 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 HPCL 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 HPCL Coral: 2,000 PAYBACK points on first transaction. SBI BPCL Octane: 6,000 BPCL reward points (₹1,500 fuel value).