Vyaya
Side-by-Side Comparison|Updated March 2026

BPCL SBI Card Octane vs Air India SBI Signature Card

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

SBI Card

BPCL SBI Card Octane

9/10
Annual Fee₹1,499
Base Rewards0.25%
NetworkVisa
View Full Details

SBI Card

Air India SBI Signature Card

7.2/10
Annual Fee₹4,999
Base Rewards0.25%
NetworkVisa
View Full Details

Feature-by-Feature Comparison

FeatureBPCL SBI Card OctaneAir India SBI Signature Card
Annual Fee₹1,499₹4,999
Joining Fee₹1,499₹4,999
Fee Waiver Spend₹2,00,000N/A
Base Reward Rate0.25%0.25%
Reward CurrencyReward PointsReward Points / Maharaja Points
NetworkVisaVisa
Editor Rating9/107.2/10
Forex Markup3.5%3.5%

Accelerated Rewards

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

Air India SBI Signature Card

No accelerated rewards listed

Pros & Cons

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.

Air India SBI Signature Card

Pros

  • High welcome bonus of 20,000 Reward Points worth up to ₹20,000 in Air India miles.
  • Accelerated 10 Reward Points per ₹100 spent on Air India ticket bookings.
  • Generous milestone benefits offering up to 1,00,000 bonus points annually.
  • 1:1 conversion ratio from Reward Points to Air India Maharaja Points (Air Miles).

Cons

  • High annual fee of ₹4,999 with no standard spend-based waiver.
  • Reward rate on Air India tickets was recently reduced from 30 to 10 points per ₹100.
  • International lounge access via Priority Pass is not complimentary (usage fee applies).

Our Verdict

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

Choose BPCL SBI Card Octane if

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

Choose Air India SBI Signature Card if

Best value for those who frequently book Air India flights and can maximize the 1:1 mile conversion.

Frequently Asked Questions

Which is better: BPCL SBI Card Octane or Air India SBI Signature Card?
BPCL SBI Card Octane edges ahead overall with a stronger combination of rewards and value. However, Air India SBI Signature Card could be the better pick if its specific category strengths match your spending habits.
What is the annual fee difference between BPCL SBI Card Octane and Air India SBI Signature Card?
BPCL SBI Card Octane has an annual fee of ₹1,499, while Air India SBI Signature Card has an annual fee of ₹4,999. BPCL SBI Card Octane offers a fee waiver on ₹2,00,000 annual spend.
Which card has better rewards: BPCL SBI Card Octane or Air India SBI Signature Card?
BPCL SBI Card Octane offers a base reward rate of 0.25% with accelerated rewards on BPCL Fuel & Lubricants and Dining, Groceries, Movies, .... Air India SBI Signature Card offers 0.25% base rewards. The better choice depends on your primary spending categories.
Can I have both BPCL SBI Card Octane and Air India SBI Signature Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. BPCL SBI Card Octane and Air India SBI Signature Card can complement each other if they cover different reward categories.
Which card is better for beginners: BPCL SBI Card Octane or Air India SBI Signature Card?
For beginners, BPCL SBI Card Octane may be more approachable with a lower annual fee of ₹1,499. However, evaluate based on your expected spending pattern rather than fee alone.

Related Comparisons

BPCL SBI Card Octane vs ICICI Bank HPCL Super Saver Credit CardAir India SBI Signature Card vs ICICI Bank HPCL Super Saver Credit CardBPCL SBI Card Octane vs SBI Card MILES ELITEAir India SBI Signature Card vs SBI Card MILES ELITE

Explore More

BPCL SBI Card Octane Full ReviewAir India SBI Signature Card Full ReviewAll SBI Card CardsBrowse All Credit CardsCredit Card Guides & Tips