HDFC Bank Bharat Credit Card vs BPCL SBI Card OCTANE
HDFC Bank · SBI Card — side-by-side CardCheck comparison
·4.4/ 5
CardCheck Score BattleDeterministic 0–100 Benchmark Rating
100% Unsponsored MITC Data
HDFC BankScoreVery Good
Annual Fee₹500
Max Reward5%
SBI CardScoreVery Good
Annual Fee₹1,499
Max Reward6.25%
BPCL SBI Card OCTANE leads overall with a CardCheck Score of 77/100 (+3 pts over HDFC Bank Bharat Credit Card).
4-Pillar Head-to-Head Breakdown
HDFC vs BPCLReward Power
35%HDFC34/35
BPCL34/35
Tie (34/35)
Fee Value & ROI
25%HDFC24/25
BPCL20/25
HDFC Wins
Lounge & Travel
20%HDFC4/20
BPCL11/20
BPCL Wins
Forex & Access
20%HDFC12/20
BPCL12/20
Tie (12/20)
01—CardCheck Score & Pillars
- CardCheck Score
- 74
- 77Best
- Rating Verdict
- Very Good
- Very Good
- Reward Power (35%)
- 34/35
- 34/35
- Fee Value & ROI (25%)
- 24/25
- 20/25
- Lounge & Travel (20%)
- 4/20
- 11/20
- Forex & Access (20%)
- 12/20
- 12/20
02—Basic Info
- Bank
- HDFC Bank
- SBI Card
- Network
- RuPay
- Visa
- Card type
- Regular
- Co-branded
- Best for
- Rural and semi-urban users — 5% cashback on fuel, groceries, utilities
- BPCL power users — 25X fuel points (6.25%) + 1% surcharge waiver = 7.25% total
03—Fees
- Joining fee
- ₹500Best
- ₹1,499
- Annual fee
- ₹500Best
- ₹1,499
- Fee waiver
- ₹50,000Best
- ₹2,00,000
- Interest-free days
- 50
- 50
04—Interest
- APR (min)
- 42%
- 42%
- APR (max)
- 42%
- 42%
- Late payment fee
- —
- ₹1,300
- Cash advance fee
- 2.5%
- 2.5%
05—Rewards
- Reward type
- cashback
- points
- Min rate
- 0%
- 0.25%Best
- Max rate
- 5%
- 6.25%Best
- Points / ₹100
- —
- 1
- Point value
- ₹1
- ₹0.25
- Monthly cap
- ₹150
- ₹625
06—Travel & Lounge
- Domestic lounge / qtr
- 0
- 1Best
- Lounge spend criteria
- —
- No spend condition
- Intl lounge / year
- 0
- 0
- Priority Pass
- DreamFolks
07—Forex & Fuel
- Forex markup
- 3.5%
- 3.5%
- Fuel surcharge waiver
08—Features
- Metal card
- Contactless
- UPI linked
09—Eligibility
- Min income / month
- ₹10,000
- —
- Invite only
Rows won
03of 07
04of 07
| Attribute ↓ | ||
|---|---|---|
01—CardCheck Score & Pillars Differences highlighted | ||
| CardCheck Score | 74 | 77Best |
| Rating Verdict | Very Good | Very Good |
| Reward Power (35%) | 34/35 | 34/35 |
| Fee Value & ROI (25%) | 24/25 | 20/25 |
| Lounge & Travel (20%) | 4/20 | 11/20 |
| Forex & Access (20%) | 12/20 | 12/20 |
02—Basic Info Differences highlighted | ||
| Bank | HDFC Bank | SBI Card |
| Network | RuPay | Visa |
| Card type | Regular | Co-branded |
| Best for | Rural and semi-urban users — 5% cashback on fuel, groceries, utilities | BPCL power users — 25X fuel points (6.25%) + 1% surcharge waiver = 7.25% total |
03—Fees Differences highlighted | ||
| Joining fee | ₹500Best | ₹1,499 |
| Annual fee | ₹500Best | ₹1,499 |
| Fee waiver | ₹50,000Best | ₹2,00,000 |
| Interest-free days | 50 | 50 |
04—Interest Differences highlighted | ||
| APR (min) | 42% | 42% |
| APR (max) | 42% | 42% |
| Late payment fee | — | ₹1,300 |
| Cash advance fee | 2.5% | 2.5% |
05—Rewards Differences highlighted | ||
| Reward type | cashback | points |
| Min rate | 0% | 0.25%Best |
| Max rate | 5% | 6.25%Best |
| Points / ₹100 | — | 1 |
| Point value | ₹1 | ₹0.25 |
| Monthly cap | ₹150 | ₹625 |
06—Travel & Lounge Differences highlighted | ||
| Domestic lounge / qtr | 0 | 1Best |
| Lounge spend criteria | — | No spend condition |
| Intl lounge / year | 0 | 0 |
| Priority Pass | ||
| DreamFolks | ||
07—Forex & Fuel Differences highlighted | ||
| Forex markup | 3.5% | 3.5% |
| Fuel surcharge waiver | ||
08—Features Differences highlighted | ||
| Metal card | ||
| Contactless | ||
| UPI linked | ||
09—Eligibility Differences highlighted | ||
| Min income / month | ₹10,000 | — |
| Invite only | ||
| Rows won | 03of 07 | 04of 07 |
Quick Verdict & Key Differences
Verified MITC Data
| Key Specification | HDFC Bank Bharat Credit Card | BPCL SBI Card OCTANE |
|---|---|---|
| CardCheck Score | 74/100Very Good | 77/100Very Good |
| Annual Fee | ₹500 | ₹1,499 |
| Fee Waiver Spend | ₹50,000/yr | ₹2L/yr |
| Max Reward Potential | 5% | 6.25% |
| Domestic Lounge Access | None | 1 / quarter |
| International Lounge | None | None |
| Forex Markup Fee | 3.5% | 3.5% |
Choose HDFC Bank Bharat Credit Card if:
Your spending centers around rural and semi-urban users — 5% cashback on fuel, groceries, utilities and you want direct partner rewards with HDFC Bank.
Choose BPCL SBI Card OCTANE if:
Your spending aligns with bpcl power users — 25x fuel points (6.25%) + 1% surcharge waiver = 7.25% total and you prioritize SBI Card's redemption benefits.
Frequently asked questions: HDFC Bank Bharat Credit Card vs BPCL SBI Card OCTANE
- Which is better: HDFC Bank Bharat Credit Card or BPCL SBI Card OCTANE?
- BPCL SBI Card OCTANE holds a higher overall rating with a CardCheck Score of 77/100 (Very Good) compared to 74/100 (Very Good) for HDFC Bank Bharat Credit Card (a lead of +3 points). BPCL SBI Card OCTANE gains its scoring lead primarily through lounge & travel privileges (11 vs 4) while tying on reward potential and forex & terms.
- How do annual fees and fee waiver spend rules compare?
- HDFC Bank Bharat Credit Card charges an annual fee of ₹500 with an annual spend threshold of ₹50,000 for renewal fee waiver. In comparison, BPCL SBI Card OCTANE charges an annual fee of ₹1,499 with an annual spend threshold of ₹2 Lakh.
- How do the reward rates and cashback compare between HDFC Bank Bharat Credit Card and BPCL SBI Card OCTANE?
- HDFC Bank Bharat Credit Card offers a base reward rate of 0% and up to 5% on accelerated partner categories. Meanwhile, BPCL SBI Card OCTANE offers a base rate of 0.25% and up to 6.25% on eligible spends. Compare net returns against your monthly spend in our Rewards Calculator.
- Which card has better airport lounge access: HDFC Bank Bharat Credit Card or BPCL SBI Card OCTANE?
- HDFC Bank Bharat Credit Card provides no complimentary airport lounge access. On the other hand, BPCL SBI Card OCTANE provides 1 complimentary domestic lounge visit per quarter (4/year).
- Which card is better for international foreign currency spends?
- HDFC Bank Bharat Credit Card levies a foreign currency markup fee of 3.5%, while BPCL SBI Card OCTANE charges 3.5%. Lower forex markup directly reduces costs when transacting overseas or on international e-commerce platforms.
- Is CardCheck's comparison data unbiased and verified against official bank MITC?
- Yes. All credit card fees, interest rates, lounge visit quotas, and reward calculations on CardCheck are 100% unsponsored and verified directly against each bank's official Most Important Terms & Conditions (MITC).