IndianOil Kotak vs SBI BPCL Octane
Full side-by-side comparison based on verified card data. Updated April 2026.
Quick Verdict
SBI BPCL Octane Credit Card wins 3 of 8 dimensions with a CardTrail Score of 7.8/10 vs 6.9/10.
| Feature | IndianOil Kotak | SBI BPCL Octane |
|---|---|---|
| CardTrail Score | 6.9/10 | 7.8/10 |
| Annual Fee | ₹449 | ₹1,499 |
| Base Reward Rate | 0.5% | 0.25% |
| Max Reward Rate | 5% | 6.25% |
| Forex Markup | 3.5% | 3.5% |
| Domestic Lounges | 0 | 4 |
| International Lounges | 0 | 0 |
| Fuel Surcharge Waiver | Yes | Yes |
| Network | Visa | Visa |
When to Choose IndianOil Kotak
- You can meet the fee waiver condition: Spend ₹50K/year
- Your primary spend is: fuel, cashback
When to Choose SBI BPCL Octane
- You can meet the fee waiver condition: Spend ₹2L/year
- You want higher rewards — up to 6.25% vs 5%
- Airport lounge access matters — 4 domestic visits
- Your primary spend is: fuel, cashback
Annual Fee Value Analysis
To break even on IndianOil Kotak's ₹449 fee at 0.5% rewards, spend ₹7,483/month.
To break even on SBI BPCL Octane's ₹1,499 fee at 0.25% rewards, spend ₹49,967/month.