Head-to-head · 🇮🇳 India
ICICI Rubyx vs SBI BPCL Octane
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
IN
ICICI Bank
ICICI Rubyx
VISA
Wins 0 of 10
IN
SBI Card
SBI BPCL Octane
VISA
Wins 8 of 10
Verdict
SBI BPCL Octane wins 8-0. Highest fuel cashback in India — 7.25% effective at BPCL pumps. ICICI Rubyx is still the right call if step up from coral — adds dual-network and milestone rewards..
Side-by-side
| Criterion | ICICI Rubyx | SBI BPCL Octane |
|---|---|---|
| Annual fee | · ₹2,000 | ₹1,499 |
| Joining fee | · ₹3,000 | ₹1,499 |
| Top reward rate | · 1% (general) | 7.25% (fuel) |
| Base reward rate | · 1% | 1.25% |
| Forex markup | = 3.5% | = 3.5% |
| Welcome bonus | = 5,000 PAYBACK points + Tata CLiQ voucher | = 6,000 BPCL reward points (₹1,500 fuel value) |
| Fee waiver threshold | · ₹350,000 / yr | ₹200,000 / yr |
| Min income | · ₹600,000 | ₹360,000 |
| Min credit score | · 760 | 740 |
| Editorial rating | · 4/5 | 4.5/5 |
Benefits compared
ICICI Rubyx
- Dual-network (Visa + Amex one card)
- 4 international + 6 domestic lounge visits/year
- 15% off Culinary Treats
- 25% off movie tickets
- Comprehensive insurance
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 Rubyx vs SBI BPCL Octane: which is better?
SBI BPCL Octane wins on more dimensions (8 vs 0). 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 Rubyx 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 Rubyx: 5,000 PAYBACK points + Tata CLiQ voucher. SBI BPCL Octane: 6,000 BPCL reward points (₹1,500 fuel value).