BPCL SBI Card OCTANE vs IndianOil RBL Bank XTRA Credit Card
How BPCL SBI Card OCTANE and IndianOil RBL Bank XTRA Credit Card compare on fees, rewards and eligibility — verified as of June 2026.
By NexMaxo Editorial Team · Terms verified June 2026
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Quick take
Neither is lifetime-free: BPCL SBI Card OCTANE costs ₹1,499 + GST (reversed on ₹2L annual spend) and IndianOil RBL Bank XTRA Credit Card costs ₹1,500 + GST (waived on ₹2.75L annual spend) — both waivable on spend, so the rewards decide it.
BPCL SBI Card OCTANE — better for drivers who refuel mainly at bpcl pumps.
IndianOil RBL Bank XTRA Credit Card — better for heavy indianoil fuel users who want the highest fuel value-back.
Side by side
| BPCL SBI Card OCTANESBI Card | IndianOil RBL Bank XTRA Credit CardRBL Bank | |
|---|---|---|
| Annual fee | ₹1,499 + GST (reversed on ₹2L annual spend) | ₹1,500 + GST (waived on ₹2.75L annual spend) |
| Reward rate | 25 RP/₹100 BPCL fuel (≈7.25%); 10X groceries/dining; 1 RP = ₹0.25 | 15 fuel pts/₹100 at IndianOil (cap 2,000/mo); 2 pts/₹100 elsewhere |
| Lifetime-free | No | No |
| Network | Visa | Visa / Mastercard |
| Eligibility | 18+ yrs; salaried/self-employed (≈₹30k/mo, aggregator-sourced) | Salaried or self-employed; approx 21–70 yrs |
| Best for | Drivers who refuel mainly at BPCL pumps. | Heavy IndianOil fuel users who want the highest fuel value-back. |
BPCL SBI Card OCTANE
- 25 reward points per ₹100 at BPCL fuel — ≈7.25% (cap 2,500 RP/cycle)
- 10X reward points on groceries, departmental stores, dining & movies (cap 7,500 RP/mo)
- 1% fuel-surcharge waiver on BPCL up to ₹4,000/txn (1 RP = ₹0.25)
IndianOil RBL Bank XTRA Credit Card
- 15 fuel points per ₹100 at IndianOil pumps (cap 2,000 pts/month; 1 pt ≈ ₹0.50)
- 1% fuel-surcharge waiver on eligible fuel spends
- 2 fuel points per ₹100 on all other spends
BPCL SBI Card OCTANE vs IndianOil RBL Bank XTRA Credit Card — FAQs
Neither is universally better. BPCL SBI Card OCTANE suits drivers who refuel mainly at bpcl pumps. IndianOil RBL Bank XTRA Credit Card suits heavy indianoil fuel users who want the highest fuel value-back. Compare the annual fee and reward rate above against your own spending — that's what decides it.
Neither is lifetime-free: BPCL SBI Card OCTANE costs ₹1,499 + GST (reversed on ₹2L annual spend) and IndianOil RBL Bank XTRA Credit Card costs ₹1,500 + GST (waived on ₹2.75L annual spend) — both waivable on spend, so the rewards decide it. On rewards, BPCL SBI Card OCTANE gives 7.25% value back on bpcl fuel (25 reward points per ₹100), plus 10x on groceries & dining. whereas IndianOil RBL Bank XTRA Credit Card gives up to ~8.5% value back on indianoil fuel (15 fuel points per ₹100), plus the surcharge waiver.
BPCL SBI Card OCTANE: ₹1,499 + GST (reversed on ₹2L annual spend). IndianOil RBL Bank XTRA Credit Card: ₹1,500 + GST (waived on ₹2.75L annual spend). Both fees can usually be waived on annual spend — check the thresholds on each issuer's page.
This is an informational comparison, not financial advice. Card terms change often — confirm current fees, rewards and eligibility on each issuer's official page before applying. Pay your bill in full to avoid interest.