BPCL SBI Card OCTANE vs RBL Bank ShopRite Credit Card
How BPCL SBI Card OCTANE and RBL Bank ShopRite 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 RBL Bank ShopRite Credit Card costs Joining fee nil; annual fee ₹500 + GST (waived on ₹1.5L annual spend) — both waivable on spend, so the rewards decide it.
BPCL SBI Card OCTANE — better for drivers who refuel mainly at bpcl pumps.
RBL Bank ShopRite Credit Card — better for households who spend heavily on grocery and want accelerated rewards plus a fuel surcharge waiver on a low-fee card (not a lifetime-free card, despite rbl listing it on its ltf page).
Side by side
| BPCL SBI Card OCTANESBI Card | RBL Bank ShopRite Credit CardRBL Bank | |
|---|---|---|
| Annual fee | ₹1,499 + GST (reversed on ₹2L annual spend) | Joining fee nil; annual fee ₹500 + GST (waived on ₹1.5L annual spend) |
| Reward rate | 25 RP/₹100 BPCL fuel (≈7.25%); 10X groceries/dining; 1 RP = ₹0.25 | 20 RP/₹100 on grocery (cap 1,000 RP/month); 1 RP/₹100 on other categories; 1 RP = ₹0.25 |
| Lifetime-free | No | No |
| Network | Visa | Visa / Mastercard / RuPay |
| Eligibility | 18+ yrs; salaried/self-employed (≈₹30k/mo, aggregator-sourced) | Age 18-65; regular income source (approx, aggregator-sourced; RBL doesn't publish a fixed minimum income) |
| Best for | Drivers who refuel mainly at BPCL pumps. | Households who spend heavily on grocery and want accelerated rewards plus a fuel surcharge waiver on a low-fee card (not a lifetime-free card, despite RBL listing it on its LTF page). |
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)
RBL Bank ShopRite Credit Card
- 20 RP per ₹100 on grocery (cap 1,000 RP/month); 1 RP per ₹100 on other spends
- 1% fuel surcharge waiver on transactions ₹500-₹4,000 (max ₹100/month)
- 10% off on BookMyShow movie tickets (max ₹100, up to 15 times/year) + 2,000 RP welcome bonus on first txn within 30 days
BPCL SBI Card OCTANE vs RBL Bank ShopRite Credit Card — FAQs
Neither is universally better. BPCL SBI Card OCTANE suits drivers who refuel mainly at bpcl pumps. RBL Bank ShopRite Credit Card suits households who spend heavily on grocery and want accelerated rewards plus a fuel surcharge waiver on a low-fee card (not a lifetime-free card, despite rbl listing it on its ltf page). 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 RBL Bank ShopRite Credit Card costs Joining fee nil; annual fee ₹500 + GST (waived on ₹1.5L 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 RBL Bank ShopRite Credit Card gives 20 reward points per ₹100 on grocery spends (capped at 1,000 rp/month, i.e. ~₹250/month value at 1 rp = ₹0.25)
BPCL SBI Card OCTANE: ₹1,499 + GST (reversed on ₹2L annual spend). RBL Bank ShopRite Credit Card: Joining fee nil; annual fee ₹500 + GST (waived on ₹1.5L 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.