Bank of Baroda (BOBCARD) Eterna vs BPCL SBI Card OCTANE
A field-by-field comparison of fees, reward rates, accelerated categories, caps, exclusions, lounge access and forex markup, using each issuer's own published terms. Affiliate payout never decides the verdict.
Short answer
Bank of Baroda (BOBCARD) Eterna and BPCL SBI Card OCTANE differ first on recurring cost: Bank of Baroda (BOBCARD) Eterna has an annual fee of ₹2,499 + GST against ₹1,499 + GST for BPCL SBI Card OCTANE, so BPCL SBI Card OCTANE is cheaper to hold. On rewards, Bank of Baroda (BOBCARD) Eterna earns 3 RP/₹100 (worth ₹0.75 as cashback) while BPCL SBI Card OCTANE earns 1% in Reward Points. Bank of Baroda (BOBCARD) Eterna has the lower forex markup at 2%. Neither card wins outright: the better choice depends on which accelerated categories match your spend, the monthly caps, the exclusions and issuer approval fit.
Source: CardMasters issuer-evidence catalogue, release 2026-08-25. Confirm final terms with the issuer.
| Feature | Bank of Baroda (BOBCARD) Eterna | BPCL SBI Card OCTANE |
|---|---|---|
| Issuer | Bank of Baroda (BOBCARD) | SBI Card |
| Joining fee | ₹2,499 + GST | ₹1,499 + GST |
| Annual fee | ₹2,499 + GST | ₹1,499 + GST |
| Fee waiver | ₹2,50,000 annual eligible spend | ₹2,00,000 annual eligible spend |
| Base rewards | 3 RP/₹100 (worth ₹0.75 as cashback) | 1% in Reward Points |
| Accelerated routes | 15 RP/₹100 (worth 3.75% as cashback) | 25 Reward Points per ₹100 at eligible BPCL fuel and lubricant outlets · 25 Reward Points per ₹100 on eligible Bharatgas website/app payments · 10 Reward Points per ₹100 on eligible dining, departmental-store, grocery and movie spend |
| Reward exclusions | fuel, rent, wallet load, cash withdrawal, emi, grocery, insurance, education, government, charity, agriculture | fuel, wallet load, non BPCL fuel |
| Forex markup | 2% | 3.5% |
| Fuel surcharge waiver | Not recorded — confirm with issuer | ₹100/mo fuel surcharge waiver |
| Domestic lounge | unlimited for primary + add-on (₹75K net spend in prior calendar quarter, effective 15 July 2026) | 4/yr (1 per quarter, restricted Jan 2026) |
| International lounge | none complimentary | none |
| Card networks | Visa Signature | Visa, RuPay |
| Best suited to | online shopping, domestic lounge, fitness, value premium | fuel, daily commuter |
| Issuer evidence | Checked 2026-07-28 | Checked 2026-08-01 |
Frequently asked questions
Is the Bank of Baroda (BOBCARD) Eterna better than the BPCL SBI Card OCTANE?
Neither is universally better. Bank of Baroda (BOBCARD) Eterna charges ₹2,499 + GST a year and earns 3 RP/₹100 (worth ₹0.75 as cashback); BPCL SBI Card OCTANE charges ₹1,499 + GST and earns 1% in Reward Points. The better card is the one whose accelerated categories, caps and exclusions match your actual spending, after subtracting the annual fee and GST.
Which of the two has the lower annual fee, Bank of Baroda (BOBCARD) Eterna or BPCL SBI Card OCTANE?
BPCL SBI Card OCTANE has the lower recorded annual fee at ₹1,499 + GST. A spend-based waiver may reduce the effective cost of the other card, so check the waiver threshold before deciding.
Which is better for international spending, Bank of Baroda (BOBCARD) Eterna or BPCL SBI Card OCTANE?
Bank of Baroda (BOBCARD) Eterna publishes the lower forex markup at 2% versus 3.5%. Also confirm whether international transactions earn rewards, since some issuers exclude them.
Can I hold both cards together?
Yes, provided each is approved on its own merits and you can pay both statements in full. Holding both makes sense only when their accelerated categories do not overlap; otherwise the second card adds an annual fee without adding rewards.