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Side-by-Side Comparison|Updated March 2026

Delhi Metro 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.

SBI Card

Delhi Metro SBI Card

7.2/10
Annual Fee₹499
Base Rewards0.25%
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

FeatureDelhi Metro 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 Rate0.25%0.25%
Reward CurrencyReward PointsReward Points
NetworkVisaVisa
Editor Rating7.2/109/10
Forex Markup3.5%3.5%

Accelerated Rewards

Delhi Metro SBI Card

  • 0% on Dining
  • 0% on Movies
  • 0% on Groceries
  • 0% on Departmental Stores
  • 0% on Utility Bill Payments

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

Delhi Metro SBI Card

Pros

  • Dual-purpose card functioning as both a credit card and a Delhi Metro Smart Card.
  • Auto top-up facility of ₹200 whenever the metro balance falls below ₹100.
  • 10x reward points on daily essentials like groceries, dining, and utility bills.
  • 10% discount on Delhi Metro fares, consistent with standard smart card benefits.

Cons

  • Monthly reward points are capped at 5,000 per statement cycle.
  • No complimentary domestic or international airport lounge access.
  • Low base reward rate of 0.25% on non-accelerated categories.

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, Delhi Metro SBI Card could be the better pick if its specific category strengths match your spending habits.

Choose Delhi Metro SBI Card if

The auto top-up and fare discounts make it highly convenient for regular Delhi Metro users.

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: Delhi Metro SBI Card or BPCL SBI Card Octane?
BPCL SBI Card Octane edges ahead overall with a stronger combination of rewards and value. However, Delhi Metro SBI Card could be the better pick if its specific category strengths match your spending habits.
What is the annual fee difference between Delhi Metro SBI Card and BPCL SBI Card Octane?
Delhi Metro SBI Card has an annual fee of ₹499, while BPCL SBI Card Octane has an annual fee of ₹1,499. Delhi Metro 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: Delhi Metro SBI Card or BPCL SBI Card Octane?
Delhi Metro SBI Card offers a base reward rate of 0.25% 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 Delhi Metro SBI Card and BPCL SBI Card Octane?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. Delhi Metro SBI Card and BPCL SBI Card Octane can complement each other if they cover different reward categories.
Which card is better for beginners: Delhi Metro SBI Card or BPCL SBI Card Octane?
For beginners, Delhi Metro 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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