SBI BPCL Octane vs Kotak White Reserve
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
SBI BPCL Octane wins 6-3. Highest fuel cashback in India — 7.25% effective at BPCL pumps. Kotak White Reserve is still the right call if premium dining + travel without breaking the ₹3k-fee tier..
Side-by-side
| Criterion | SBI BPCL Octane | Kotak White Reserve |
|---|---|---|
| Annual fee | ₹1,499 | · ₹3,000 |
| Joining fee | ₹1,499 | · ₹3,000 |
| Top reward rate | 7.25% (fuel) | · 4% (dining) |
| Base reward rate | · 1.25% | 1.5% |
| Forex markup | · 3.5% | 1.99% |
| Welcome bonus | = 6,000 BPCL reward points (₹1,500 fuel value) | = 5,000 reward points + Marriott Bonvoy Silver Elite |
| Fee waiver threshold | ₹200,000 / yr | · ₹600,000 / yr |
| Min income | ₹360,000 | · ₹1,800,000 |
| Min credit score | 740 | · 780 |
| Editorial rating | · 4.5/5 | 4.6/5 |
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
Kotak White Reserve
- 4 reward points/₹100 on dining + travel
- 6 international Priority Pass visits/year
- 24 domestic lounge visits/year (DragonPass)
- Marriott Bonvoy Silver Elite included
- 1.99% forex markup
FAQ
›SBI BPCL Octane vs Kotak White Reserve: which is better?
SBI BPCL Octane wins on more dimensions (6 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 SBI BPCL Octane for its best categories, Kotak White Reserve 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). Kotak White Reserve: 5,000 reward points + Marriott Bonvoy Silver Elite.