IDFC First Power Credit Card vs BPCL SBI Card OCTANE
IDFC FIRST Bank · SBI Card — side-by-side CardCheck comparison
CardCheck Score BattleDeterministic 0–100 Benchmark Rating
100% Unsponsored MITC Data
IDFC FIRST BankScoreVery Good
Annual Fee₹499
Max Reward6.5%
SBI CardScoreVery Good
Annual Fee₹1,499
Max Reward7.25%
IDFC First Power Credit Card leads overall with a CardCheck Score of 79/100 (+1 pts over BPCL SBI Card OCTANE).
4-Pillar Head-to-Head Breakdown
IDFC vs BPCLReward Power
35%IDFC34/35
BPCL35/35
BPCL Wins
Fee Value & ROI
25%IDFC22/25
BPCL20/25
IDFC Wins
Lounge & Travel
20%IDFC11/20
BPCL11/20
Tie (11/20)
Forex & Access
20%IDFC12/20
BPCL12/20
Tie (12/20)
01—CardCheck Score & Pillars
- CardCheck Score
- 79Best
- 78
- Rating Verdict
- Very Good
- Very Good
- Reward Power (35%)
- 34/35
- 35/35
- Fee Value & ROI (25%)
- 22/25
- 20/25
- Lounge & Travel (20%)
- 11/20
- 11/20
- Forex & Access (20%)
- 12/20
- 12/20
02—Basic Info
- Bank
- IDFC FIRST Bank
- SBI Card
- Network
- Visa
- Visa
- Card type
- Co-branded
- Co-branded
- Best for
- fuel savings
- BPCL power users — 25X fuel points (6.25%) + 1% surcharge waiver = 7.25% total
03—Fees
- Joining fee
- ₹499Best
- ₹1,499
- Annual fee
- ₹499Best
- ₹1,499
- Fee waiver
- ₹1,50,000
- ₹1,00,000Best
- Interest-free days
- 45
- 50Best
04—Interest
- APR (min)
- 8.5%Best
- 42%
- APR (max)
- 46.2%
- 42%Best
- Late payment fee
- ₹1,300
- ₹1,300
- Cash advance fee
- —
- 2.5%
05—Rewards
- Reward type
- points
- points
- Min rate
- 0.67%Best
- 0.25%
- Max rate
- 6.5%
- 7.25%Best
06—Travel & Lounge
- Domestic lounge / qtr
- 1
- 1
- 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 age
- 21
- 21
- Min income / month
- ₹25,000
- ₹25,000
- Min CIBIL
- 750
- 700Best
- Invite only
Rows won
05of 10
05of 10
| Attribute ↓ | ★ Overall pick Column A | Column B |
|---|---|---|
01—CardCheck Score & Pillars Differences highlighted | ||
| CardCheck Score | 79Best | 78 |
| Rating Verdict | Very Good | Very Good |
| Reward Power (35%) | 34/35 | 35/35 |
| Fee Value & ROI (25%) | 22/25 | 20/25 |
| Lounge & Travel (20%) | 11/20 | 11/20 |
| Forex & Access (20%) | 12/20 | 12/20 |
02—Basic Info Differences highlighted | ||
| Bank | IDFC FIRST Bank | SBI Card |
| Network | Visa | Visa |
| Card type | Co-branded | Co-branded |
| Best for | fuel savings | BPCL power users — 25X fuel points (6.25%) + 1% surcharge waiver = 7.25% total |
03—Fees Differences highlighted | ||
| Joining fee | ₹499Best | ₹1,499 |
| Annual fee | ₹499Best | ₹1,499 |
| Fee waiver | ₹1,50,000 | ₹1,00,000Best |
| Interest-free days | 45 | 50Best |
04—Interest Differences highlighted | ||
| APR (min) | 8.5%Best | 42% |
| APR (max) | 46.2% | 42%Best |
| Late payment fee | ₹1,300 | ₹1,300 |
| Cash advance fee | — | 2.5% |
05—Rewards Differences highlighted | ||
| Reward type | points | points |
| Min rate | 0.67%Best | 0.25% |
| Max rate | 6.5% | 7.25%Best |
06—Travel & Lounge Differences highlighted | ||
| Domestic lounge / qtr | 1 | 1 |
| 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 age | 21 | 21 |
| Min income / month | ₹25,000 | ₹25,000 |
| Min CIBIL | 750 | 700Best |
| Invite only | ||
| Rows won | 05of 10 | 05of 10 |
Quick Verdict & Key Differences
Verified MITC Data
| Key Specification | IDFC First Power Credit Card | BPCL SBI Card OCTANE |
|---|---|---|
| CardCheck Score | 79/100Very Good | 78/100Very Good |
| Annual Fee | ₹499 | ₹1,499 |
| Fee Waiver Spend | ₹1.5L/yr | ₹1L/yr |
| Max Reward Potential | 6.5% | 7.25% |
| Domestic Lounge Access | 1 / quarter | 1 / quarter |
| International Lounge | None | None |
| Forex Markup Fee | 3.5% | 3.5% |
Choose IDFC First Power Credit Card if:
Your spending centers around fuel savings and you want direct partner rewards with IDFC FIRST 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: IDFC First Power Credit Card vs BPCL SBI Card OCTANE
- Which is better: IDFC First Power Credit Card or BPCL SBI Card OCTANE?
- IDFC First Power Credit Card holds a higher overall rating with a CardCheck Score of 79/100 (Very Good) compared to 78/100 (Very Good) for BPCL SBI Card OCTANE (a lead of +1 points). IDFC First Power Credit Card provides better net value across rewards and fee structures.
- How do annual fees and fee waiver spend rules compare?
- IDFC First Power Credit Card charges an annual fee of ₹499 with an annual spend threshold of ₹1.5 Lakh for renewal fee waiver. In comparison, BPCL SBI Card OCTANE charges an annual fee of ₹1,499 with an annual spend threshold of ₹1 Lakh.
- How do the reward rates and cashback compare between IDFC First Power Credit Card and BPCL SBI Card OCTANE?
- IDFC First Power Credit Card offers a base reward rate of 0.67% and up to 6.5% on accelerated partner categories. Meanwhile, BPCL SBI Card OCTANE offers a base rate of 0.25% and up to 7.25% on eligible spends. Compare net returns against your monthly spend in our Rewards Calculator.
- Which card has better airport lounge access: IDFC First Power Credit Card or BPCL SBI Card OCTANE?
- IDFC First Power Credit Card provides 1 domestic lounge visit(s) per quarter. On the other hand, BPCL SBI Card OCTANE provides 1 domestic lounge visit(s) per quarter. Note that most issuers now require meeting minimum quarterly spend criteria (typically ₹10,000 to ₹50,000 in the preceding quarter) to unlock lounge access.
- Which card is better for international foreign currency spends?
- IDFC First Power 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).