Head-to-head · 🇮🇳 India
SBI BPCL Octane vs SBI Aurum
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
IN
SBI Card
SBI BPCL Octane
VISA
Wins 6 of 10
IN
Premium
SBI Card
SBI Aurum
Wins 3 of 10
Verdict
SBI BPCL Octane wins 6-3. Highest fuel cashback in India — 7.25% effective at BPCL pumps. SBI Aurum is still the right call if invitation-only super-premium sbi metal card..
Side-by-side
| Criterion | SBI BPCL Octane | SBI Aurum |
|---|---|---|
| Annual fee | ₹1,499 | · ₹9,999 |
| Joining fee | ₹1,499 | · ₹9,999 |
| Top reward rate | 7.25% (fuel) | · 4% (general) |
| Base reward rate | · 1.25% | 4% |
| Forex markup | · 3.5% | 1.99% |
| Welcome bonus | = 6,000 BPCL reward points (₹1,500 fuel value) | = 10,000 reward points + ₹10,000 brand voucher |
| Fee waiver threshold | ₹200,000 / yr | · ₹1,500,000 / yr |
| Min income | ₹360,000 | · ₹3,500,000 |
| Min credit score | 740 | · 800 |
| 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
SBI Aurum
- 4 reward points per ₹100 (~4% value)
- Unlimited domestic + 6 international lounge visits/quarter
- Concierge 24x7
- Taj Inner Circle membership
- 2 free golf rounds/month
FAQ
›SBI BPCL Octane vs SBI Aurum: 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 Aurum 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 Aurum: 10,000 reward points + ₹10,000 brand voucher.