IndianOil HDFC vs BPCL SBI Card OCTANE
IndianOil HDFC is better for online shopping, upi scan & pay, bills & recharges, while BPCL SBI Card OCTANE wins on groceries, food delivery & dining, fuel. IndianOil HDFC is cheaper to keep (₹500/year).
HDFC Bank
IndianOil HDFC Bank Credit Card
•••• 6558Visa / RuPay
SBI Card
BPCL SBI Card OCTANE
•••• 6955Visa
| IndianOil HDFC Bank Credit Card | BPCL SBI Card OCTANE | |
|---|---|---|
| Issuer | HDFC Bank | SBI Card |
| Network | Visa / RuPay | Visa |
| Best for | IndianOil fuel | Heavy fuel users |
| Headline benefit | 5% at IndianOil | 7.25% on BPCL fuel |
| Joining fee | ₹500 | ₹1,499 |
| Annual fee | ₹500 | ₹1,499 |
| Fee waiver | ₹50,000 spend | ₹2,00,000 spend |
| Works on UPI | Yes | No |
| Lounge access | None | Domestic |
| Online shopping rewards | 0.6% | 0.25% |
| Groceries rewards | 5% | 6.25% |
| Food delivery & dining rewards | 0.6% | 6.25% |
| Fuel rewards | 5% | 7.25% |
| UPI scan & pay rewards | 0.6% | – |
| Bills & recharges rewards | 5% | 0.25% |
| Travel & flights rewards | 0.6% | 0.25% |
| Everything else rewards | 0.6% | 0.25% |
| Apply now | Apply now |
Choose IndianOil HDFC if…
- Rewards on fuel, groceries and bills
- Works on UPI with the RuPay variant
- Easy fee waiver
Watch out for
- Monthly cap of 150 Fuel Points after 6 months
- Best value only when redeemed for fuel
- Low rewards on other spends
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
Verdict
IndianOil HDFC is better for online shopping, upi scan & pay, bills & recharges, while BPCL SBI Card OCTANE wins on groceries, food delivery & dining, fuel. IndianOil HDFC is cheaper to keep (₹500/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.