BPCL SBI Card Octane Vs. SBI Card PRIME Advantage

BPCL SBI Card Octane

BPCL SBI Card Octane

SBI Card PRIME Advantage

SBI Card PRIME Advantage

Comparison of BPCL SBI Card Octane and SBI Card PRIME Advantage

Feature	BPCL SBI Card Octane	SBI Card PRIME Advantage
Annual Fee	₹0	₹0
Joining Fee	₹1,499 + GST	₹0
Welcome Benefits	6,000 bonus Reward Points upon fee payment	E-gift voucher worth ₹3,000 from Bata/Hush Puppies, Pantaloons, Shoppers Stop, or Yatra.com
Interest Rate (APR)	N/A	N/A
Foreign Currency Markup	N/A	N/A
Key Highlights	•Exceptional Fuel Rewards •Premium Travel Access •Milestone Privileges •Fee Reversal Advantage •Generous Welcome Offer	•Annual Fee •Renewal Fee •Welcome Benefit •Milestone Benefits •Accelerated Rewards •Lounge Access •Birthday Benefit •Membership Benefits
Dos	Use the card exclusively at BPCL petrol stations for the maximum 7.25% value back on fuel and related products Pay your credit card bill on time to maintain a good credit profile and prevent interest charges on the outstanding balance Track your spending to reach the ₹2,00,000 annual threshold for the renewal fee reversal Opt for Flexipay or Balance Transfer on EMI on eligible large purchases to manage expenses in easy monthly instalments Redeem your reward points instantly at BPCL pumps to directly reduce your fuel expenditure	Pay utility bills via standing instructions to maximise 20 points per ₹100 Use the card for dining and departmental store purchases to earn 10 points per ₹100 Access lounge benefits on your travels for a premium experience Redeem reward points as cashback for flexibility Celebrate your birthday month with accelerated spending for extra rewards
Don'ts	Avoid non-BPCL fuel spends, as they only accrue the standard 1X Reward Point rate and do not benefit from the surcharge waiver Do not use the card for mobile wallet uploads, as this category is excluded from earning standard reward points Miss the opportunity to utilise the 4 complimentary domestic lounge visits by tracking the maximum one-per-quarter allowance Ignore transaction alerts or delay reporting a lost card, which could compromise the protection provided by the Fraud Liability Cover Share card details or PIN with any untrusted sources or personnel at a retail outlet	Avoid using the card for fuel transactions, as it earns no reward points Do not ignore the ₹99 reward redemption fee; plan redemptions strategically Avoid overspending beyond your repayment capacity Do not miss the monthly caps on utility bill rewards (3,000 points/month) Do not ignore late payment charges; pay on time to avoid penalties

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