Compare: BPCL SBI Card Octane vs IndianOil RBL Bank XTRA Credit Card

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	IndianOil RBL Bank XTRA	BPCL SBI Card Octane
Best Suited for	⛽ Fuel 🎁 Rewards	⛽ Fuel
Fee Details	Joining Fee: ₹1,499 Annual/Renewal Fee: ₹1,499 NA	Joining Fee: ₹1,500 Annual/Renewal Fee: ₹1,500 NA
Welcome Benefit	🎁 6,000 bonus reward points worth Rs. 1,500 on the payment of joining fee	🎁 3,000 Fuel Points on making the 1st card spend of min. Rs. 500 within 30 days of card issuance
Reward/Cashback Rate	25 reward points on every Rs. 100 spent at BPCL fuel, lubricants & Bharat Gas website and application 10 reward points on every Rs. 100 spent at groceries, departmental stores, movie tickets and dining 1 reward point for every Rs. 100 spent on non-fuel retail purchases, excluding mobile wallet upload & non-BPCL fuel spends 4 reward points = Re. 1 \| 1 reward point = Re. 0.25	15 Fuel Points per Rs. 100 spent on IOCL fuel, up to 2,000 Fuel Points per month 2 Fuel Points per Rs. 100 spent on other categories 1 Fuel Point = Rs. 0.50 for IOCL petrol pump/fuel voucher 1 Fuel Point = Rs. 0.10 for RBL bank rewards portal
Lounge Access	4 complimentary visits per calendar year to domestic VISA lounges in India (maximum 1 visit per quarter)	NA
Pros	25X reward points on fuel purchases at BPCL 10X reward points across dining, movies, groceries and departmental stores Complimentary domestic lounge visits every year 6,000 bonus reward points worth the joining fee	Up to 8.5% savings on IOCL fuel Decent rewards redemption ratio of 2:1 Up to 4,000 Fuel Points as milestone bonus Easily achievable annual fee waiver condition
Cons	Fuel benefits are limited to BPCL outlets only Fuel surcharge waiver is capped at Rs. 100 per month Low reward rate on other retail spends Low reward redemption value of 1 RP = Rs. 0.25	No accelerated rewards on categories beyond IndianOil fuel No complimentary lounge benefits No benefits on other lifestyle-related spends
Who should get this card?	People who are loyal customers of BPCL and want to earn value back on fuel expenses	Those who drive regularly making fuel spends a major portion of their monthly spends, prefer IOCL fuel and want to save on their fuel expenses.