ICICI Bank HPCL Super Saver 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
ICICI Bank HPCL Super Saver and BPCL SBI Card OCTANE differ first on recurring cost: ICICI Bank HPCL Super Saver has an annual fee of ₹500 + GST against ₹1,499 + GST for BPCL SBI Card OCTANE, so ICICI Bank HPCL Super Saver is cheaper to hold. On rewards, ICICI Bank HPCL Super Saver earns 2 ICICI Bank Reward Points per ₹100 on eligible retail spends while BPCL SBI Card OCTANE earns 1% in Reward Points. Both publish the same 3.5% forex markup. 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 2026-08-01. Confirm final terms with the issuer.
| Feature | ICICI Bank HPCL Super Saver | BPCL SBI Card OCTANE |
|---|---|---|
| Issuer | ICICI Bank | SBI Card |
| Joining fee | ₹500 + GST | ₹1,499 + GST |
| Annual fee | ₹500 + GST | ₹1,499 + GST |
| Fee waiver | ₹1,50,000 annual eligible spend | ₹2,00,000 annual eligible spend |
| Base rewards | 2 ICICI Bank Reward Points per ₹100 on eligible retail spends | 1% in Reward Points |
| Accelerated routes | 4% statement cashback · 20 points per ₹100 (about 5% at ₹0.25/point) | 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 | emi, cash advance, fees | fuel, wallet load, non BPCL fuel |
| Forex markup | 3.5% | 3.5% |
| Domestic lounge | 1/quarter (₹75,000 spend in previous quarter) | 4/yr (1 per quarter, restricted Jan 2026) |
| International lounge | none | none |
| Card networks | Visa | Visa, RuPay |
| Best suited to | fuel, bills utilities, commuter | fuel, daily commuter |
| Issuer evidence | Checked 2026-07-26 | Checked 2026-08-01 |
Frequently asked questions
Is the ICICI Bank HPCL Super Saver better than the BPCL SBI Card OCTANE?
Neither is universally better. ICICI Bank HPCL Super Saver charges ₹500 + GST a year and earns 2 ICICI Bank Reward Points per ₹100 on eligible retail spends; 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, ICICI Bank HPCL Super Saver or BPCL SBI Card OCTANE?
ICICI Bank HPCL Super Saver has the lower recorded annual fee at ₹500 + 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, ICICI Bank HPCL Super Saver or BPCL SBI Card OCTANE?
Both publish a 3.5% forex markup, so compare international reward eligibility and lounge access instead.
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.