SBI BPCL Octane vs SBI Air India Signature
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. SBI Air India Signature is still the right call if air india loyalists — highest miles earn on ai bookings..
Side-by-side
| Criterion | SBI BPCL Octane | SBI Air India Signature |
|---|---|---|
| Annual fee | ₹1,499 | · ₹4,999 |
| Joining fee | ₹1,499 | · ₹4,999 |
| Top reward rate | · 7.25% (fuel) | 8% (travel) |
| Base reward rate | · 1.25% | 2% |
| Forex markup | · 3.5% | 1.99% |
| Welcome bonus | = 6,000 BPCL reward points (₹1,500 fuel value) | = 20,000 Air India reward points |
| Fee waiver threshold | ₹200,000 / yr | · ₹500,000 / yr |
| Min income | ₹360,000 | · ₹1,200,000 |
| Min credit score | 740 | · 780 |
| 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
SBI Air India Signature
- 30 AI reward points per ₹100 on Air India bookings
- 4 reward points per ₹100 on others
- Air India Maharajah Club Silver
- 8 international + 8 domestic lounge visits/year
- Free Air India ticket on ₹5L spend
FAQ
›SBI BPCL Octane vs SBI Air India Signature: 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, SBI Air India Signature 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). SBI Air India Signature: 20,000 Air India reward points.