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Side-by-Side Comparison|Updated March 2026

City Union Bank SimplySAVE SBI Card vs BPCL SBI Card Octane

Detailed comparison of fees, rewards, benefits, and value to help you choose the right credit card for your spending pattern.

City Union Bank

City Union Bank SimplySAVE SBI Card

6.8/10
Annual Fee₹499
Base Rewards0.16666666666666669%
NetworkVisa
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SBI Card

BPCL SBI Card Octane

9/10
Annual Fee₹1,499
Base Rewards0.25%
NetworkVisa
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Feature-by-Feature Comparison

FeatureCity Union Bank SimplySAVE SBI CardBPCL SBI Card Octane
Annual Fee₹499₹1,499
Joining Fee₹499₹1,499
Fee Waiver Spend₹1,00,000₹2,00,000
Base Reward Rate0.16666666666666669%0.25%
Reward CurrencyReward PointsReward Points
NetworkVisaVisa
Editor Rating6.8/109/10
Forex Markup3.5%3.5%

Accelerated Rewards

City Union Bank SimplySAVE SBI Card

  • 1.67% on Dining
  • 1.67% on Movies
  • 1.67% on Grocery
  • 1.67% on Departmental Stores

BPCL SBI Card Octane

  • 0% on BPCL Fuel & Lubricants — 2500 pts/month
  • 0% on Dining, Groceries, Movies, ... — 7500 pts/month
  • 0% on Bharat Gas (Website/App) — 2500 pts/month

Pros & Cons

City Union Bank SimplySAVE SBI Card

Pros

  • 10X Reward Points on daily essentials like Dining, Movies, Departmental Stores, and Grocery.
  • Welcome bonus of 2,000 Reward Points effectively offsets the joining fee.
  • Low annual fee of ₹499 with a reachable waiver threshold of ₹1 Lakh annual spend.
  • 1% fuel surcharge waiver on transactions between ₹500 and ₹3,000.

Cons

  • Very low base reward rate of 0.17% on non-category spends.
  • Accelerated rewards are capped at 5,000 points per month.
  • No complimentary airport lounge access or travel-specific benefits.

BPCL SBI Card Octane

Pros

  • Industry-leading 7.25% value back on BPCL fuel spends (6.25% rewards + 1% surcharge waiver).
  • Accelerated 10X rewards on daily essentials like groceries, dining, and movies.
  • Welcome bonus of 6,000 points effectively offsets the joining fee.
  • Complimentary domestic lounge access (4 visits per year).

Cons

  • Reward points on fuel are capped at 2,500 per month.
  • Base reward rate is low at 0.25% for non-accelerated categories.
  • Reward redemption fee of ₹99 applies to every request.

Our Verdict

BPCL SBI Card Octane edges ahead overall with a stronger combination of rewards and value. However, City Union Bank SimplySAVE SBI Card could be the better pick if its specific category strengths match your spending habits.

Choose City Union Bank SimplySAVE SBI Card if

Low entry barrier and high rewards on common categories like groceries and dining.

Choose BPCL SBI Card Octane if

Best-in-class savings for those spending ₹10,000+ monthly on fuel at BPCL outlets.

Frequently Asked Questions

Which is better: City Union Bank SimplySAVE SBI Card or BPCL SBI Card Octane?
BPCL SBI Card Octane edges ahead overall with a stronger combination of rewards and value. However, City Union Bank SimplySAVE SBI Card could be the better pick if its specific category strengths match your spending habits.
What is the annual fee difference between City Union Bank SimplySAVE SBI Card and BPCL SBI Card Octane?
City Union Bank SimplySAVE SBI Card has an annual fee of ₹499, while BPCL SBI Card Octane has an annual fee of ₹1,499. City Union Bank SimplySAVE SBI Card offers a fee waiver on ₹1,00,000 annual spend. BPCL SBI Card Octane offers a fee waiver on ₹2,00,000 annual spend.
Which card has better rewards: City Union Bank SimplySAVE SBI Card or BPCL SBI Card Octane?
City Union Bank SimplySAVE SBI Card offers a base reward rate of 0.16666666666666669% with accelerated rewards on Dining and Movies. BPCL SBI Card Octane offers 0.25% base rewards with bonuses on BPCL Fuel & Lubricants and Dining, Groceries, Movies, .... The better choice depends on your primary spending categories.
Can I have both City Union Bank SimplySAVE SBI Card and BPCL SBI Card Octane?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. City Union Bank SimplySAVE SBI Card and BPCL SBI Card Octane can complement each other if they cover different reward categories.
Which card is better for beginners: City Union Bank SimplySAVE SBI Card or BPCL SBI Card Octane?
For beginners, City Union Bank SimplySAVE SBI Card may be more approachable with a lower annual fee of ₹499. However, evaluate based on your expected spending pattern rather than fee alone.

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