Apollo Sbi Card Mastercard Credit Card vs Bpcl Sbi Card Octane Visa Credit Card: Which is Better in 2026?
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The Apollo Sbi Card Mastercard Credit Card offers no notable benefits, while the Bpcl Sbi Card Octane Visa Credit Card provides various rewards and features. This comparison highlights the stark differences in rewards, fees, and benefits between the two cards.
Comparison notes and quick badges use AI, grounded in the benefit data shown in the table. Confirm details on each issuer’s site.
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| Feature | Apollo Sbi Card Mastercard Credit Card | Bpcl Sbi Card Octane Visa Credit Card |
|---|---|---|
| Bank | SBI Cards | SBI Cards |
| Network | MasterCard | Visa |
| Joining fee | — | Joining Fee of Rs.1499 |
| Annual / renewal fee | — | Renewal Fee of Rs.1499 |
| Annual fee waiver | — | Spend Rs.2 Lakhs For Waiver of Renewal Fee |
| Reward rate (headline) | — | Enjoy 10 Reward Points on Every Rs.100 Spent at Departmental Stores and Grocery |
| Lounge — domestic | — | 4 Complimentary Airport Lounge Access Per Calendar Year |
| Lounge — international | — | — |
| Fuel surcharge waiver | — | — |
| Welcome benefit | — | Get 6000 Bonus Reward Points on Payment of Annual Fees |
| Milestone benefit | — | — |
| Foreign currency markup | — | 3.5% - Foreign Currency Transactions |
Which is better for rewards?
The Bpcl Sbi Card Octane Visa Credit Card is clearly superior for rewards, offering multiple ways to earn points, including 10 Reward Points for every Rs.100 spent at departmental stores and grocery, and 25X points on fuel purchases at BPCL petrol pumps. In contrast, the Apollo Sbi Card Mastercard Credit Card provides no rewards or cashback options, making it less appealing for those looking to maximize their spending.
Which is better for travel?
For travel benefits, the Bpcl Sbi Card Octane Visa Credit Card includes 4 complimentary domestic lounge accesses per calendar year, which can enhance the travel experience for frequent flyers. The Apollo Sbi Card Mastercard Credit Card, however, lacks any lounge access or travel-related benefits, making it less suitable for travelers.
Which has lower effective cost?
Both cards have a joining fee of Rs. 1499, but the Bpcl Sbi Card Octane Visa Credit Card offers a fee waiver upon spending Rs. 2 Lakhs, which can make it more cost-effective for regular users. The Apollo Sbi Card Mastercard Credit Card does not provide any fee waivers or additional cost-saving options, leading to a higher effective cost for users who may not utilize the card frequently.
Who should pick Apollo Sbi Card Mastercard Credit Card?
Consider Apollo Sbi Card Mastercard Credit Card if you are looking for a basic credit card without any additional fees or rewards. It may suit those who prefer simplicity and do not require extensive benefits or rewards programs.
Who should pick Bpcl Sbi Card Octane Visa Credit Card?
Consider Bpcl Sbi Card Octane Visa Credit Card if you frequently shop at grocery stores or BPCL petrol pumps, as it offers substantial rewards on these purchases. Additionally, the lounge access and potential fee waiver make it a better choice for regular travelers and spenders.
Frequently Asked Questions
Both cards have a joining fee and renewal fee of Rs. 1499.
No, the Apollo Sbi Card Mastercard Credit Card does not offer any rewards or cashback.
You can waive the renewal fee by spending Rs. 2 Lakhs in a year.
The Bpcl Sbi Card Octane Visa Credit Card offers 4 complimentary domestic lounge accesses per calendar year.