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| Feature | SBI Card BPCL SBI Card OCTANE | American Express American Express Platinum Travel Credit Card |
|---|---|---|
Card essentials Start with pricing, network and the baseline earning rate. | ||
| Issuer | SBI Card | American Express |
| Network | Visa | Amex |
| Annual fee | ₹1,499 + GST per year | ₹5,000 + GST per year |
| Annual fee waiver | At ₹2,00,000 annual spending | No waiver recorded |
| Base reward rate | 0.3% | 0.6% |
Reward rate by category Published cashback or estimated reward value for each category. The stronger rate is highlighted. | ||
| Dining & delivery | 2.5% · Selected-category rewards | 0.6% · Eligible Membership Rewards |
| Entertainment & movies | 2.5% · Selected-category rewards | 0.6% · Eligible Membership Rewards |
| Groceries & essentials | 2.5% · Selected-category rewards | 0.6% · Eligible Membership Rewards |
| Offline store shopping | 2.5% · Selected-category rewards | 0.6% · Eligible Membership Rewards |
Limits and access Check caps, eligibility and useful access benefits before deciding. | ||
| Reward caps | No general cap recorded | No general cap recorded |
| RuPay credit card on UPI | Not eligible | Not eligible |
| Airport lounge access | 4 domestic airport lounge visits per year | 8 domestic airport lounge visits per year |
| Forex markup | 3.5% | 3.5% |
| Monthly income requirement | Not listed | Approx. ₹50,000/month |
| Terms verified | 13 Sept 2026 | 13 Sept 2026 |
| Best suited to | High BPCL fuel and BharatGas spenders who also want a little lounge access on the side. | Households with predictable annual spend who value Membership Rewards and Taj stays. |
| 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. | New applications are temporarily paused. Reward Multiplier ends on 30 September 2026; GainFair does not count it as an ongoing earn route. |
| Actions | Full analysisApply ↗ | Full analysisApply ↗ |
Set only your real monthly spending. GainFair calculates annual value after caps, recurring fees and GST. Nothing is prefilled.
