Vyaya
Side-by-Side Comparison|Updated March 2026

BPCL SBI Card Octane vs ICICI Bank Manchester United Platinum 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
View Full Details

ICICI Bank

ICICI Bank Manchester United Platinum Credit Card

6.5/10
Annual Fee₹499
Base Rewards0.25%
NetworkVisa
View Full Details

Feature-by-Feature Comparison

FeatureBPCL SBI Card OctaneICICI Bank Manchester United Platinum Credit Card
Annual Fee₹1,499₹499
Joining Fee₹1,499₹499
Fee Waiver Spend₹2,00,000₹1,25,000
Base Reward Rate0.25%0.25%
Reward CurrencyReward PointsICICI Bank Reward Points
NetworkVisaVisa
Editor Rating9/106.5/10
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 Manchester United Platinum Credit Card

  • 0% on Manchester United Match Days

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 Manchester United Platinum Credit Card

Pros

  • Exclusive Manchester United branded football as a welcome gift upon spending ₹1,000.
  • Accelerated 3 reward points per ₹100 spent on Manchester United match days.
  • Top spenders get a chance to win signed jerseys and a fully-paid 'Manchester United Experience' at Old Trafford.
  • 25% discount up to ₹100 on movie tickets twice a month via BookMyShow and INOX.

Cons

  • Lounge access requires a high quarterly spend of ₹75,000.
  • Low base reward rate of 0.5% (2 points per ₹100) for non-match day spends.
  • Reward points are excluded on rent, government, and education payments.

Our Verdict

BPCL SBI Card Octane edges ahead overall with a stronger combination of rewards and value. However, ICICI Bank Manchester United Platinum 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 Manchester United Platinum Credit Card if

Offers unique access to club merchandise, match tickets, and stadium tours for top spenders.

Frequently Asked Questions

Which is better: BPCL SBI Card Octane or ICICI Bank Manchester United Platinum Credit Card?
BPCL SBI Card Octane edges ahead overall with a stronger combination of rewards and value. However, ICICI Bank Manchester United Platinum 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 Manchester United Platinum Credit Card?
BPCL SBI Card Octane has an annual fee of ₹1,499, while ICICI Bank Manchester United Platinum Credit Card has an annual fee of ₹499. BPCL SBI Card Octane offers a fee waiver on ₹2,00,000 annual spend. ICICI Bank Manchester United Platinum Credit Card offers a fee waiver on ₹1,25,000 annual spend.
Which card has better rewards: BPCL SBI Card Octane or ICICI Bank Manchester United Platinum 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 Manchester United Platinum Credit Card offers 0.25% base rewards with bonuses on Manchester United Match Days. The better choice depends on your primary spending categories.
Can I have both BPCL SBI Card Octane and ICICI Bank Manchester United Platinum Credit Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. BPCL SBI Card Octane and ICICI Bank Manchester United Platinum 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 Manchester United Platinum Credit Card?
For beginners, ICICI Bank Manchester United Platinum Credit Card may be more approachable with a lower annual fee of ₹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 CardICICI Bank Manchester United Platinum Credit Card vs ICICI Bank HPCL Super Saver Credit CardBPCL SBI Card Octane vs ICICI Bank Manchester United Signature Credit CardICICI Bank Manchester United Platinum Credit Card vs ICICI Bank Manchester United Signature Credit CardBPCL SBI Card Octane vs Axis Bank My Zone Credit CardICICI Bank Manchester United Platinum Credit Card vs Axis Bank My Zone Credit Card

Explore More

BPCL SBI Card Octane Full ReviewICICI Bank Manchester United Platinum Credit Card Full ReviewAll SBI Card CardsAll ICICI Bank CardsBrowse All Credit CardsCredit Card Guides & Tips