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Side-by-Side Comparison|Updated March 2026

BPCL SBI Card Octane vs ICICI Bank HPCL Super Saver Credit 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
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ICICI Bank

ICICI Bank HPCL Super Saver Credit Card

7.2/10
Annual Fee₹500
Base Rewards0.5%
NetworkVisa
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Feature-by-Feature Comparison

FeatureBPCL SBI Card OctaneICICI Bank HPCL Super Saver Credit Card
Annual Fee₹1,499₹500
Joining Fee₹1,499₹500
Fee Waiver Spend₹2,00,000₹1,50,000
Base Reward Rate0.25%0.5%
Reward CurrencyReward PointsICICI Bank Reward 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

ICICI Bank HPCL Super Saver Credit Card

  • 1.25% on Fuel (HPCL) — 200 pts/month
  • 1.25% on Utilities & Groceries — 400 pts/month
  • 0.38% on HP Pay App Fuel

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.

ICICI Bank HPCL Super Saver Credit Card

Pros

  • 5% total value back on fuel at HPCL outlets (4% cashback + 1% surcharge waiver).
  • Accelerated 5% rewards on groceries, departmental stores, and utility bills.
  • Complimentary 24x7 Roadside Assistance (RSA) for vehicle breakdowns.
  • Low annual fee of ₹500 with a reachable waiver threshold of ₹1.5 lakh.

Cons

  • Monthly cashback on fuel is capped at a low ₹200.
  • Accelerated rewards on utilities and groceries capped at 400 points (₹100 value) per month.
  • High spend requirement of ₹75,000 per quarter for domestic lounge access.

Our Verdict

BPCL SBI Card Octane edges ahead overall with a stronger combination of rewards and value. However, ICICI Bank HPCL Super Saver Credit 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 ICICI Bank HPCL Super Saver Credit Card if

Ideal for those spending ₹4,000-₹5,000 monthly on fuel at HPCL to maximize the 5% value back.

Frequently Asked Questions

Which is better: BPCL SBI Card Octane or ICICI Bank HPCL Super Saver Credit Card?
BPCL SBI Card Octane edges ahead overall with a stronger combination of rewards and value. However, ICICI Bank HPCL Super Saver Credit 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 ICICI Bank HPCL Super Saver Credit Card?
BPCL SBI Card Octane has an annual fee of ₹1,499, while ICICI Bank HPCL Super Saver Credit Card has an annual fee of ₹500. BPCL SBI Card Octane offers a fee waiver on ₹2,00,000 annual spend. ICICI Bank HPCL Super Saver Credit Card offers a fee waiver on ₹1,50,000 annual spend.
Which card has better rewards: BPCL SBI Card Octane or ICICI Bank HPCL Super Saver Credit Card?
BPCL SBI Card Octane offers a base reward rate of 0.25% with accelerated rewards on BPCL Fuel & Lubricants and Dining, Groceries, Movies, .... ICICI Bank HPCL Super Saver Credit Card offers 0.5% base rewards with bonuses on Fuel (HPCL) and Utilities & Groceries. The better choice depends on your primary spending categories.
Can I have both BPCL SBI Card Octane and ICICI Bank HPCL Super Saver Credit Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. BPCL SBI Card Octane and ICICI Bank HPCL Super Saver Credit Card can complement each other if they cover different reward categories.
Which card is better for beginners: BPCL SBI Card Octane or ICICI Bank HPCL Super Saver Credit Card?
For beginners, ICICI Bank HPCL Super Saver Credit Card may be more approachable with a lower annual fee of ₹500. However, evaluate based on your expected spending pattern rather than fee alone.

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