Head-to-head · 🇮🇳 India
SBI BPCL Octane vs AU Bank LIT
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
IN
SBI Card
SBI BPCL Octane
VISA
Wins 4 of 10
IN
AU Small Finance Bank
AU Bank LIT
VISA
Wins 5 of 10
Verdict
AU Bank LIT wins 5-4. India's first customizable card — choose your perks each month. SBI BPCL Octane is still the right call if highest fuel cashback in india — 7.25% effective at bpcl pumps..
Side-by-side
| Criterion | SBI BPCL Octane | AU Bank LIT |
|---|---|---|
| Annual fee | · ₹1,499 | No annual fee |
| Joining fee | · ₹1,499 | None |
| Top reward rate | 7.25% (fuel) | · 1% (general) |
| Base reward rate | 1.25% | · 1% |
| Forex markup | · 3.5% | 1.99% |
| Welcome bonus | = 6,000 BPCL reward points (₹1,500 fuel value) | = Customizable card features (toggle benefits on/off) |
| Fee waiver threshold | ₹200,000 / yr | · N/A (no fee) |
| Min income | · ₹360,000 | ₹300,000 |
| Min credit score | · 740 | 730 |
| Editorial rating | 4.5/5 | · 4.3/5 |
Benefits compared
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
AU Bank LIT
- Toggle between 4 benefit packs each month (cashback / travel / shopping / dining)
- 5x rewards on chosen category
- Lifetime free
- 4 domestic lounge visits/quarter
- 1% fuel surcharge waiver
FAQ
›SBI BPCL Octane vs AU Bank LIT: which is better?
AU Bank LIT wins on more dimensions (5 vs 4). 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 SBI BPCL Octane for its best categories, AU Bank LIT for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
SBI BPCL Octane: 6,000 BPCL reward points (₹1,500 fuel value). AU Bank LIT: Customizable card features (toggle benefits on/off).