Adani One ICICI Bank Platinum Credit Card vs BPCL SBI Card OCTANE
ICICI Bank · SBI Card — side-by-side CardCheck comparison
·4.4/ 5
CardCheck Score BattleDeterministic 0–100 Benchmark Rating
100% Unsponsored MITC Data
ScoreVery Good
Annual Fee₹750
Max Reward3%
SBI CardScoreVery Good
Annual Fee₹1,499
Max Reward6.25%
BPCL SBI Card OCTANE leads overall with a CardCheck Score of 77/100 (+5 pts over Adani One ICICI Bank Platinum Credit Card).
4-Pillar Head-to-Head Breakdown
Adani vs BPCLReward Power
35%Adani27/35
BPCL34/35
BPCL Wins
Fee Value & ROI
25%Adani18/25
BPCL20/25
BPCL Wins
Lounge & Travel
20%Adani15/20
BPCL11/20
Adani Wins
Forex & Access
20%Adani12/20
BPCL12/20
Tie (12/20)
01—CardCheck Score & Pillars
- CardCheck Score
- 72
- 77Best
- Rating Verdict
- Very Good
- Very Good
- Reward Power (35%)
- 27/35
- 34/35
- Fee Value & ROI (25%)
- 18/25
- 20/25
- Lounge & Travel (20%)
- 15/20
- 11/20
- Forex & Access (20%)
- 12/20
- 12/20
02—Basic Info
- Bank
- ICICI Bank
- SBI Card
- Network
- Visa
- Visa
- Card type
- Co-branded
- Co-branded
- Best for
- Adani One travel bookings — flights, hotels & Adani properties
- BPCL power users — 25X fuel points (6.25%) + 1% surcharge waiver = 7.25% total
03—Fees
- Joining fee
- ₹750Best
- ₹1,499
- Annual fee
- ₹750Best
- ₹1,499
- Fee waiver
- ₹3,00,000
- ₹2,00,000Best
- Interest-free days
- 50
- 50
04—Interest
- APR (min)
- 45%
- 42%Best
- APR (max)
- 45%
- 42%Best
- Late payment fee
- ₹1,200Best
- ₹1,300
- Cash advance fee
- 2.5%
- 2.5%
05—Rewards
- Reward type
- points
- points
- Min rate
- 0.5%Best
- 0.25%
- Max rate
- 3%
- 6.25%Best
- Points / ₹100
- 1
- 1
- Point value
- —
- ₹0.25
- Monthly cap
- —
- ₹625
06—Travel & Lounge
- Domestic lounge / qtr
- 2Best
- 1
- Lounge spend criteria
- No spend condition
- No spend condition
- Intl lounge / year
- —
- 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
- ₹20,000
- —
- Invite only
Rows won
05of 10
05of 10
| Attribute ↓ | ||
|---|---|---|
01—CardCheck Score & Pillars Differences highlighted | ||
| CardCheck Score | 72 | 77Best |
| Rating Verdict | Very Good | Very Good |
| Reward Power (35%) | 27/35 | 34/35 |
| Fee Value & ROI (25%) | 18/25 | 20/25 |
| Lounge & Travel (20%) | 15/20 | 11/20 |
| Forex & Access (20%) | 12/20 | 12/20 |
02—Basic Info Differences highlighted | ||
| Bank | ICICI Bank | SBI Card |
| Network | Visa | Visa |
| Card type | Co-branded | Co-branded |
| Best for | Adani One travel bookings — flights, hotels & Adani properties | BPCL power users — 25X fuel points (6.25%) + 1% surcharge waiver = 7.25% total |
03—Fees Differences highlighted | ||
| Joining fee | ₹750Best | ₹1,499 |
| Annual fee | ₹750Best | ₹1,499 |
| Fee waiver | ₹3,00,000 | ₹2,00,000Best |
| Interest-free days | 50 | 50 |
04—Interest Differences highlighted | ||
| APR (min) | 45% | 42%Best |
| APR (max) | 45% | 42%Best |
| Late payment fee | ₹1,200Best | ₹1,300 |
| Cash advance fee | 2.5% | 2.5% |
05—Rewards Differences highlighted | ||
| Reward type | points | points |
| Min rate | 0.5%Best | 0.25% |
| Max rate | 3% | 6.25%Best |
| Points / ₹100 | 1 | 1 |
| Point value | — | ₹0.25 |
| Monthly cap | — | ₹625 |
06—Travel & Lounge Differences highlighted | ||
| Domestic lounge / qtr | 2Best | 1 |
| Lounge spend criteria | No spend condition | No spend condition |
| Intl lounge / year | — | 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 | ₹20,000 | — |
| Invite only | ||
| Rows won | 05of 10 | 05of 10 |
Quick Verdict & Key Differences
Verified MITC Data
| Key Specification | Adani One ICICI Bank Platinum Credit Card | BPCL SBI Card OCTANE |
|---|---|---|
| CardCheck Score | 72/100Very Good | 77/100Very Good |
| Annual Fee | ₹750 | ₹1,499 |
| Fee Waiver Spend | ₹3L/yr | ₹2L/yr |
| Max Reward Potential | 3% | 6.25% |
| Domestic Lounge Access | 2 / quarter | 1 / quarter |
| International Lounge | None | None |
| Forex Markup Fee | 3.5% | 3.5% |
Choose Adani One ICICI Bank Platinum Credit Card if:
Your spending centers around adani one travel bookings — flights, hotels & adani properties and you want direct partner rewards with ICICI 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: Adani One ICICI Bank Platinum Credit Card vs BPCL SBI Card OCTANE
- Which is better: Adani One ICICI Bank Platinum 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 72/100 (Very Good) for Adani One ICICI Bank Platinum Credit Card (a lead of +5 points). BPCL SBI Card OCTANE gains its scoring lead primarily through reward potential (34 vs 27) and fee value & ROI (20 vs 18) while tying on forex & terms.
- How do annual fees and fee waiver spend rules compare?
- Adani One ICICI Bank Platinum Credit Card charges an annual fee of ₹750 with an annual spend threshold of ₹3 Lakh 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 Adani One ICICI Bank Platinum Credit Card and BPCL SBI Card OCTANE?
- Adani One ICICI Bank Platinum Credit Card offers a base reward rate of 0.5% and up to 3% 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: Adani One ICICI Bank Platinum Credit Card or BPCL SBI Card OCTANE?
- Adani One ICICI Bank Platinum Credit Card provides 2 complimentary domestic lounge visits per quarter (8/year). 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?
- Adani One ICICI Bank Platinum 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).