Compare the published economics of both cards. The better choice depends on where you spend and whether your rewards exceed the recurring fee.
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| Feature | SBI Card BPCL SBI Card OCTANE | RBL Bank IndianOil RBL Bank XTRA Credit Card |
|---|---|---|
Card essentials Start with pricing, network and the baseline earning rate. | ||
| Issuer | SBI Card | RBL Bank |
| Network | Visa | Mastercard |
| Annual fee | ₹1,499 + GST per year | ₹1,500 + GST per year |
| Annual fee waiver | ₹2,00,000 | ₹2,75,000 |
| Base reward rate | 0.3% | 1% |
Reward rate by category Published cashback or estimated reward value for each category. The stronger rate is highlighted. | ||
| Dining & delivery | 2.5% | 1% |
| Entertainment & movies | 2.5% | 1% |
| Groceries & essentials | 2.5% | 1% |
| Offline store shopping | 2.5% | 1% |
Limits and access Check caps and everyday usability before deciding. | ||
| General monthly reward cap | No general cap | No general cap |
| RuPay credit card on UPI | Not eligible | Not eligible |
| Airport lounge access | 4 domestic airport lounge visits per year | No complimentary airport lounge access recorded |
| Forex markup | 3.5% | 3.5% |
| Best suited to | High BPCL fuel and BharatGas spenders who also want a little lounge access on the side. | Regular IndianOil customers with significant monthly fuel spend. |
| Main trade-off | Full value depends on BPCL/BharatGas availability in your area: check pump coverage before committing to this over a bank-agnostic cashback card. | Value collapses outside IndianOil fuel purchases: the 1% base rate elsewhere is unremarkable. |
| Actions | Full analysisApply ↗ | Full analysisApply ↗ |
Set only your real monthly spending. GainFair calculates annual value after caps, recurring fees and GST. Nothing is prefilled.
GainFair compares annual rewards after caps, fees, GST and exclusions instead of declaring one universal winner.
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