Head-to-head · 🇮🇳 India
ICICI Sapphiro vs SBI BPCL Octane
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
IN
Premium
ICICI Bank
ICICI Sapphiro
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 Sapphiro is still the right call if mid-premium with strong dining + travel mix..
Side-by-side
| Criterion | ICICI Sapphiro | SBI BPCL Octane |
|---|---|---|
| Annual fee | · ₹3,500 | ₹1,499 |
| Joining fee | · ₹6,500 | ₹1,499 |
| Top reward rate | · 1% (general) | 7.25% (fuel) |
| Base reward rate | · 1% | 1.25% |
| Forex markup | = 3.5% | = 3.5% |
| Welcome bonus | = 10,000 reward points worth ₹2,500 | = 6,000 BPCL reward points (₹1,500 fuel value) |
| Fee waiver threshold | · ₹600,000 / yr | ₹200,000 / yr |
| Min income | · ₹1,000,000 | ₹360,000 |
| Min credit score | · 780 | 740 |
| Editorial rating | · 4.3/5 | 4.5/5 |
Benefits compared
ICICI Sapphiro
- 4 PAYBACK points per ₹100
- 2 complimentary international + 4 domestic lounge visits/year
- 15% off at 800+ restaurants (Culinary Treats)
- 25% off BookMyShow tickets
- Comprehensive travel 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 Sapphiro 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 Sapphiro 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 Sapphiro: 10,000 reward points worth ₹2,500. SBI BPCL Octane: 6,000 BPCL reward points (₹1,500 fuel value).