Head-to-head · 🇮🇳 India
SBI Prime vs SBI BPCL Octane
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
IN
SBI Card
SBI Prime
Wins 0 of 10
IN
SBI Card
SBI BPCL Octane
VISA
Wins 7 of 10
Verdict
SBI BPCL Octane wins 7-0. Highest fuel cashback in India — 7.25% effective at BPCL pumps. SBI Prime is still the right call if step up from simplyclick with lounge access..
Side-by-side
| Criterion | SBI Prime | SBI BPCL Octane |
|---|---|---|
| Annual fee | · ₹2,999 | ₹1,499 |
| Joining fee | · ₹2,999 | ₹1,499 |
| Top reward rate | · 5% (shopping) | 7.25% (fuel) |
| Base reward rate | = 1.25% | = 1.25% |
| Forex markup | = 3.5% | = 3.5% |
| Welcome bonus | = ₹3,000 e-gift voucher (Aditya Birla / Bata / Pantaloons / Yatra) | = 6,000 BPCL reward points (₹1,500 fuel value) |
| Fee waiver threshold | · ₹300,000 / yr | ₹200,000 / yr |
| Min income | · ₹480,000 | ₹360,000 |
| Min credit score | · 750 | 740 |
| Editorial rating | · 4.2/5 | 4.5/5 |
Benefits compared
SBI Prime
- 10x reward points on dining + grocery + departmental + movies
- 5x on utility bill payments
- 8 domestic + 4 international lounge visits/year
- Club Vistara Silver + Trident Privilege Red
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
›SBI Prime vs SBI BPCL Octane: which is better?
SBI BPCL Octane wins on more dimensions (7 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 SBI Prime 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?
SBI Prime: ₹3,000 e-gift voucher (Aditya Birla / Bata / Pantaloons / Yatra). SBI BPCL Octane: 6,000 BPCL reward points (₹1,500 fuel value).