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

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

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

4 complimentary visits per calendar year to domestic VISA lounges in India (maximum 1 visit per quarter)

NA

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

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

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.