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Side-by-Side Comparison|Updated March 2026

Shaurya 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

Shaurya SBI Card

7.5/10
Annual Fee₹250
Base Rewards0.0625%
NetworkRuPay
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SBI Card

BPCL SBI Card Octane

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

FeatureShaurya SBI CardBPCL SBI Card Octane
Annual Fee₹250₹1,499
Joining Fee₹250₹1,499
Fee Waiver Spend₹50,000₹2,00,000
Base Reward Rate0.0625%0.25%
Reward CurrencyReward PointsReward Points
NetworkRuPayVisa
Editor Rating7.5/109/10
Forex Markup3.5%3.5%

Accelerated Rewards

Shaurya SBI Card

  • 0.31% on CSD
  • 0.31% on Dining
  • 0.31% on Movies
  • 0.31% on Grocery

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

Shaurya SBI Card

Pros

  • Accelerated 5X reward points on CSD, dining, movies, and grocery spends.
  • Low annual fee of ₹250, easily waived on spending ₹50,000 annually.
  • Complimentary Personal Accident Insurance cover of ₹2 Lakh.
  • Welcome bonus of 1,000 reward points effectively offsets the joining fee.

Cons

  • No airport lounge access (available only on the Select variant).
  • Low base reward rate of 0.25% on non-accelerated categories.
  • Redemption fee of ₹99 + GST applies to reward redemptions.

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

Choose Shaurya SBI Card if

Tailored benefits for CSD canteen shopping and low maintenance costs.

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: Shaurya SBI Card or BPCL SBI Card Octane?
BPCL SBI Card Octane edges ahead overall with a stronger combination of rewards and value. However, Shaurya SBI Card could be the better pick if its specific category strengths match your spending habits.
What is the annual fee difference between Shaurya SBI Card and BPCL SBI Card Octane?
Shaurya SBI Card has an annual fee of ₹250, while BPCL SBI Card Octane has an annual fee of ₹1,499. Shaurya SBI Card offers a fee waiver on ₹50,000 annual spend. BPCL SBI Card Octane offers a fee waiver on ₹2,00,000 annual spend.
Which card has better rewards: Shaurya SBI Card or BPCL SBI Card Octane?
Shaurya SBI Card offers a base reward rate of 0.0625% with accelerated rewards on CSD and Dining. 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 Shaurya SBI Card and BPCL SBI Card Octane?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. Shaurya SBI Card and BPCL SBI Card Octane can complement each other if they cover different reward categories.
Which card is better for beginners: Shaurya SBI Card or BPCL SBI Card Octane?
For beginners, Shaurya SBI Card may be more approachable with a lower annual fee of ₹250. However, evaluate based on your expected spending pattern rather than fee alone.

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