SBI BPCL Octane Credit Card vs HDFC IndianOil Credit Card [2025 Comparison]

Rising fuel prices in India make fuel credit cards one of the smartest ways to save money. Two of the most popular options in 2025 are the SBI BPCL Octane Credit Card and the HDFC IndianOil Credit Card.

While both are designed to reduce your fuel costs, they differ in reward rates, annual fees, and overall benefits. In this detailed comparison, CardMela will help you decide which card is right for your fuel expenses this year.

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Quick Comparison Table

Feature	SBI BPCL Octane Credit Card	HDFC IndianOil Credit Card
Fuel Partner	Bharat Petroleum (BPCL)	Indian Oil (IOCL)
Reward Rate on Fuel	Up to 7.25%	Up to 5%
Welcome Benefits	6000 Bonus Reward Points worth ₹1500	1000 Fuel Points worth ₹250
Annual Fee	₹1,499 + GST	₹500 + GST
Annual Fee Waiver	Spend ₹2,00,000 in a year	Spend ₹20,000 in a year
Other Benefits	Dining, Grocery, Lifestyle rewards + Lounge access	Grocery, Utility, and Fuel Rewards
Best For	Heavy BPCL users (fuel spends ₹10,000+/month)	Moderate IOCL users (fuel spends ₹3,000–5,000/month)

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SBI BPCL Octane Credit Card – Detailed Review

The SBI BPCL Octane Credit Card is a premium fuel card designed for those who frequently use Bharat Petroleum outlets.

Key Benefits

• Fuel Rewards: Earn 25 Reward Points per ₹100 spent at BPCL fuel stations (~7.25% value).
• Welcome Gift: 6000 bonus points worth ₹1500.
• Lifestyle Benefits: Accelerated rewards on dining, groceries, and departmental store spends.
• Airport Lounge Access: Complimentary visits for premium travel experience.
• Fee Waiver: ₹1,499 annual fee waived on annual spends of ₹2,00,000.

👉 Best For: Heavy car owners, frequent travelers, and high fuel spenders.

Apply Now – SBI BPCL Octane Credit Card

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HDFC IndianOil Credit Card – Detailed Review

The HDFC IndianOil Credit Card is a budget-friendly entry-level fuel card ideal for those who use Indian Oil fuel stations.

Key Benefits

• Fuel Rewards: 5% value back on IndianOil transactions.
• Welcome Benefit: 1000 Fuel Points worth ₹250.
• Daily Spend Benefits: Earn points on groceries, utility bill payments, and other regular expenses.
• Low Annual Fee: Just ₹500, waived on spends above ₹20,000 annually.

👉 Best For: Moderate users with monthly fuel spends of ₹3,000–5,000.

Apply Now – HDFC IndianOil Credit Card

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Which Fuel Credit Card Should You Choose in 2025?

• Pick the SBI BPCL Octane Credit Card if:
  • You spend ₹10,000 or more per month on fuel.
  • You prefer BPCL outlets.
  • You want extra lifestyle perks like lounge access.
• Pick the HDFC IndianOil Credit Card if:
  • Your monthly fuel spend is around ₹3,000–5,000.
  • You want a low annual fee card with easy fee waiver.
  • You usually refill at IndianOil pumps.

👉 According to CardMela.com, the SBI BPCL Octane Credit Card is the best premium fuel card in India, while the HDFC IndianOil Credit Card is the best affordable fuel card for beginners in 2025.

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Final Verdict

Both cards are strong choices, but the right card depends on your fuel habits. If you are a heavy BPCL user, the SBI BPCL Octane Credit Card offers the highest savings. For moderate IndianOil users, the HDFC IndianOil Credit Card provides maximum value at the lowest cost.

Apply Now – Compare Best Credit Cards in India

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Author Bio:

Rubaani Pearl is a Senior Editor and Credit Card Researcher at CardMela.com, helping 10,000+ users make smarter financial choices. With deep insights into India’s card ecosystem, she writes detailed guides backed by real data and user behaviour trends.