Head-to-head · 🇮🇳 India
SBI SimplyClick vs SBI BPCL Octane
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
IN
SBI Card
SBI SimplyClick
Wins 6 of 10
IN
SBI Card
SBI BPCL Octane
VISA
Wins 1 of 10
Verdict
SBI SimplyClick wins 6-1. First card for online buyers, low entry fee 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 SimplyClick | SBI BPCL Octane |
|---|---|---|
| Annual fee | ₹499 | · ₹1,499 |
| Joining fee | ₹499 | · ₹1,499 |
| Top reward rate | 10% (shopping) | · 7.25% (fuel) |
| Base reward rate | = 1.25% | = 1.25% |
| Forex markup | = 3.5% | = 3.5% |
| Welcome bonus | = Amazon e-gift voucher worth ₹500 | = 6,000 BPCL reward points (₹1,500 fuel value) |
| Fee waiver threshold | ₹100,000 / yr | · ₹200,000 / yr |
| Min income | ₹300,000 | · ₹360,000 |
| Min credit score | 700 | · 740 |
| Editorial rating | · 4.4/5 | 4.5/5 |
Benefits compared
SBI SimplyClick
- 10x rewards on Amazon, BookMyShow, Cleartrip, Lenskart, Netmeds, UrbanClap, Yatra
- 5x rewards on all other online spend
- ₹2,000 Cleartrip voucher on ₹1L annual online spend, another at ₹2L
- 1% fuel surcharge waiver on ₹500–₹3,000 transactions
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 SimplyClick vs SBI BPCL Octane: which is better?
SBI SimplyClick wins on more dimensions (6 vs 1). 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 SimplyClick for online shopping, SBI BPCL Octane for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
SBI SimplyClick: Amazon e-gift voucher worth ₹500. SBI BPCL Octane: 6,000 BPCL reward points (₹1,500 fuel value).