BPCL SBI Card OCTANE vs IDFC FIRST Power+
BPCL SBI Card OCTANE is better for groceries, food delivery & dining, fuel, while IDFC FIRST Power+ wins on online shopping, upi scan & pay, bills & recharges. IDFC FIRST Power+ is cheaper to keep (₹499/year).
| BPCL SBI Card OCTANE | IDFC FIRST Power+ | |
|---|---|---|
| Issuer | SBI Card | IDFC FIRST Bank |
| Network | Visa | RuPay |
| Best for | Heavy fuel users | Fuel & daily essentials |
| Headline benefit | 7.25% on BPCL fuel | 6.5% on HPCL fuel |
| Joining fee | ₹1,499 | ₹499 |
| Annual fee | ₹1,499 | ₹499 |
| Fee waiver | ₹2,00,000 spend | ₹1,50,000 spend |
| Works on UPI | No | Yes |
| Lounge access | Domestic | None |
| Online shopping rewards | 0.25% | 1% |
| Groceries rewards | 6.25% | 5% |
| Food delivery & dining rewards | 6.25% | 1% |
| Fuel rewards | 7.25% | 6.5% |
| UPI scan & pay rewards | – | 1% |
| Bills & recharges rewards | 0.25% | 5% |
| Travel & flights rewards | 0.25% | 1% |
| Everything else rewards | 0.25% | 1% |
| Apply now | Apply now |
Choose BPCL SBI Card OCTANE if…
- One of the best fuel cards in India
- High rewards on dining and groceries
- Includes lounge access
Watch out for
- Fuel benefit only at BPCL
- Low 0.25% on other spends
- ₹1,499 annual fee
Choose IDFC FIRST Power+ if…
- Strong fuel savings at HPCL
- Rewards on groceries and bills too
- Low ₹499 fee
Watch out for
- Fuel benefit limited to HPCL
- Monthly caps on accelerated rewards
- No lounge access
Verdict
BPCL SBI Card OCTANE is better for groceries, food delivery & dining, fuel, while IDFC FIRST Power+ wins on online shopping, upi scan & pay, bills & recharges. IDFC FIRST Power+ is cheaper to keep (₹499/year). Many people hold both: the two cards cover different categories, so using each where it earns most maximises your total rewards. Try the card finder with your own spends to see the exact difference.