BPCL SBI Card OCTANE vs SBI Elite Credit Card

• As a Welcome Girft, avail 6000 bonus reward points equivalent to Rs. 1500 on payment of annual fees. The Reward Points will be credited to the card holders account within 30 days of annual fee payment
• Spend Based fee reversal benefit - Next year Fee waiver on annual spends of 2 lakhs
• Get 7.25% Value back ~ 25X Reward Points on fuel purchases at BPCL petrol pumps. Maximum 2500 Reward Points per billing cycle
• 6.25% + 1% Fuel surcharge waiver on every BPCL transaction upto Rs. 4000 (exclusive of GST and other charges)
• Avail 25 Reward Points on every Rs. 100 spent at BPCL Fuel, Lubricants & Bharat Gas (Website and app only) spend
• Get 10 Reward Points on every Rs. 100 spent at Dining, Departmental Stores, Grocery & Movies (Up to 7500 Reward Points per month)
• Earn 1 Reward point per Rs. 100 spent on other retail purchases
• Avail 25 Reward Points on every Rs. 100 spent on Bharat Gas (Website and app only) is capped at 500 Reward Points per billing cycle
• 4 Reward Point = Rs. 1
• 1% fuel surcharge across all BPCL petrol pumps in India. This is applicable on transactions up to Rs. 4,000, exclusive of GST and other charges. Maximum fuel surcharge waiver of Rs. 100 per statement cycle per credit card account, which is equivalent to an Annual Savings of Rs.1200
• 4 complimentary visits per calendar year to Domestic VISA lounges in India (Max. 1 visit per quarter)
•  Obtain eGift Vouchers worth Rs. 2,000 from Aditya Birla Fashion Or Yatra Or Bata/Hush Puppies on annual spends of Rs. 3 Lakhs. The Aditya Birla Fashion voucher is redeemable at these brand stores only - Louis Philippe, Van Heusen, Allen Solly, Peter England, Planet Fashion, Simon Carter
• Complimentary Fraud Liability cover of 1 Lakh
• Instant Redemption of Reward Points at select BPCL petrol pumps
• Redeem your Rewards Points at Shop & Smile Rewards Catalogue
•  BPCL SBI Card OCTANE can be used at over 24 million outlets worldwide, including 3,25,000 outlets in India
• Pay electricity, telephone, mobile and other utility bills using the Easy Bill Pay facility
• Transfer the outstanding balance of other banks’ credit cards to BPCL SBI Card OCTANE, and avail a lower rate of interest and pay back in EMIs
• With Flexipay, convert transactions in easy monthly installments. Make any purchase for Rs. 2,500 or more using BPCL SBI Card OCTANE 

• On achieving annual spends of Rs. 5 lakhs and 8 lakhs, earn 15,000 bonus Reward Points
• Spend Based Reversal of Annual Fee on spends of Rs. 10 Lakhs
• Complimentary membership to the Priority Pass Program worth $99
• Six complimentary Airport Lounge visits per calendar year, outside India ( max. 2 visits per quarter)
• Enjoy obtaining Club Vistara Silver membership as complimentary

Pros

• 10X reward points across dining, movies, groceries and departmental stores
• Complimentary domestic lounge visits every year
• 6,000 bonus reward points worth the joining fee

Cons

• Fuel benefits are limited to only BPCL outlets
• No golf benefits
• No cashback benefits

Pros

• Get 5X Reward Points on Dining, Departmental stores and Grocery Spends
• Earn nearly 50,000 Bonus Reward Points worth Rs. 12,500 per year
• On achieving annual spends of Rs. 3 lakhs and 4 lakhs, earn 10,000 bonus Reward Points

Cons

• High joining/renewal fees
• Although the Credit Card offers savings on rental cars on Hertz & Avis, which is good, but in India, there’s no much scope for it