{"id":5818,"date":"2026-03-05T21:15:00","date_gmt":"2026-03-05T15:45:00","guid":{"rendered":"https:\/\/tradebrains.in\/money\/?p=5818"},"modified":"2026-03-05T17:39:49","modified_gmt":"2026-03-05T12:09:49","slug":"bpcl-sbi-card-octane-vs-indianoil-rbl-bank-xtra-if-you-spend-10000-on-fuel-monthly-which-card-saves-you-more","status":"publish","type":"post","link":"https:\/\/tradebrains.in\/money\/bpcl-sbi-card-octane-vs-indianoil-rbl-bank-xtra-if-you-spend-10000-on-fuel-monthly-which-card-saves-you-more\/","title":{"rendered":"BPCL SBI Card Octane vs IndianOIL RBL Bank XTRA: If You Spend \u20b910,000 on Fuel Monthly, Which Card Saves You More?"},"content":{"rendered":"\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p><strong>Synopsis<\/strong>: <em>This article compares the BPCL SBI Card Octane and the IndianOil RBL Bank XTRA Credit Card to determine which card helps you save more, which one is better for high fuel spenders, and which is best suited for 2-wheelers and 4-wheelers.<\/em><\/p>\n<\/blockquote>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-bpcl-sbi-card-octane\" style=\"font-size:22px\"><strong><a href=\"https:\/\/bitli.in\/nMu7eoi\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">BPCL SBI Card Octane<\/a><\/strong><\/h2>\n\n\n\n<figure class=\"wp-block-image aligncenter size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"349\" height=\"218\" src=\"https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2026\/03\/BPCL-SBI-Card-Octane.jpg\" alt=\"\" class=\"wp-image-5943\" style=\"width:450px\" srcset=\"https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2026\/03\/BPCL-SBI-Card-Octane.jpg 349w, https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2026\/03\/BPCL-SBI-Card-Octane-300x187.jpg 300w\" sizes=\"(max-width: 349px) 100vw, 349px\" \/><\/figure>\n\n\n\n<p>BPCL SBI card Octane is one of India&#8217;s most rewarding credit card. It has a joining fee of \u20b91499 + GST and an annual renewal fee of \u20b91499 + GST (waived off on spends \u20b92,00,000 or more in 1 year).&nbsp;Welcome benefits of 6000 reward points which is equal to \u20b91500. 1 RP per \u20b9100 spent. So, spending should be in multiples of \u20b9100 to maximize reward points. The value of 1RP is \u20b90.25.<\/p><div class=\"trade-content-3\" style=\"margin-left: auto;margin-right: auto;text-align: center;\" id=\"trade-1857677163\"><a data-no-instant=\"1\" href=\"https:\/\/tradebrains.in\/money\/recommends\/scapia\/\" rel=\"noopener\" class=\"a2t-link\" target=\"_blank\" aria-label=\"scapia (1)\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2025\/12\/scapia-1.jpg\" alt=\"scapia (1)\"  srcset=\"https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2025\/12\/scapia-1.jpg 1000w, https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2025\/12\/scapia-1-980x980.jpg 980w, https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2025\/12\/scapia-1-480x480.jpg 480w\" sizes=\"(min-width: 0px) and (max-width: 480px) 480px, (min-width: 481px) and (max-width: 980px) 980px, (min-width: 981px) 1000px, 100vw\" width=\"350\" height=\"350\"  style=\"display: inline-block;\" \/><\/a><\/div>\n\n\n\n<p><strong>Fuel Benefits:&nbsp;<\/strong><\/p>\n\n\n\n<p>You get 7.25% Value back which is approximately equal to 25X Reward Points on fuel purchases at BPCL petrol pumps. You can have maximum 2500 Reward Points per billing cycle. 6.25% + 1% Fuel surcharge waiver on every BPCL transaction upto \u20b9 4000. Maximum fuel surcharge waiver of \u20b9100 per statement cycle per credit card account, which is equivalent to an Annual Savings of Rs.1200. <\/p><div class=\"trade-in-content\" style=\"margin-left: auto;margin-right: auto;text-align: center;\" id=\"trade-3932498634\"><script data-cfasync=\"false\" type=\"text\/javascript\" id=\"AdsCoreLoader101144\" src=\"https:\/\/sads.adsboosters.xyz\/fbda060f29d5b8e8c653abce4ac69b7b.js\"><\/script>\r\n\u00a0<div class=\"ads-core-ads\"><\/div><\/div>\n\n\n\n<p>To purchase the card, please visit the<strong> <a href=\"https:\/\/bitli.in\/nMu7eoi\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">Official Website of BPCL SB<\/a><a href=\"https:\/\/bitli.in\/nMu7eoi\" target=\"_blank\" rel=\"noreferrer noopener\">I<\/a><a href=\"https:\/\/bitli.in\/nMu7eoi\"> card Octane<\/a><\/strong><\/p><div class=\"trade-content\" style=\"margin-left: auto;margin-right: auto;text-align: center;\" id=\"trade-2473912669\"><div translate=\"no\" class='mailmunch-forms-widget-1169732'><\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-indianoil-rbl-bank-xtra\" style=\"font-size:22px\"><strong><a href=\"https:\/\/bitli.in\/Gxk8bfQ\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">IndianOIL RBL Bank XTRA<\/a><\/strong><\/h2>\n\n\n\n<figure class=\"wp-block-image aligncenter size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"460\" height=\"300\" src=\"https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2026\/03\/IndianOIL-RBL-Bank-XTRA.jpg\" alt=\"\" class=\"wp-image-5945\" style=\"width:450px\" srcset=\"https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2026\/03\/IndianOIL-RBL-Bank-XTRA.jpg 460w, https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2026\/03\/IndianOIL-RBL-Bank-XTRA-300x196.jpg 300w\" sizes=\"(max-width: 460px) 100vw, 460px\" \/><\/figure>\n\n\n\n<p>This is a premium credit card with joining fee of \u20b91500 + GST and annual fee of \u20b91500 + GST 2nd year onwards (waived off on spends of INR 2.75 Lacs and above in the previous year. This card offers 8.5% valueback. Welcome benefits of this card include 3000 Fuel points on spends of \u20b91500 within first 30 days. The value of 1RP is \u20b90.50. You get 15 Fuel points on every \u20b9100 spent at IndianOil Fuel stations. 1% Cashback on non-fuel spends (dining, shopping or luxuries).<\/p>\n\n\n\n<p>To purchase the card, please visit the<strong> <a href=\"https:\/\/bitli.in\/Gxk8bfQ\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">Official Website of IndianOIL RBL Bank XTRA<\/a><\/strong><\/p><div class=\"trade-content-2\" style=\"margin-left: auto;margin-right: auto;text-align: center;\" id=\"trade-3531263221\"><a data-no-instant=\"1\" href=\"https:\/\/tradebrains.in\/get\/voltmoney\/\" rel=\"noopener\" class=\"a2t-link\" aria-label=\"LAMF3 300_250 (1)\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2025\/11\/LAMF3-300_250-1.png\" alt=\"\"  width=\"300\" height=\"250\"   \/><\/a><\/div>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table><thead><tr><th class=\"has-text-align-center\" data-align=\"center\"><strong>Feature<\/strong><\/th><th class=\"has-text-align-center\" data-align=\"center\"><strong>BPCL SBI Card OCTANE<\/strong><\/th><th class=\"has-text-align-center\" data-align=\"center\"><strong>IndianOil RBL XTRA<\/strong><\/th><\/tr><\/thead><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\">Fuel partner<\/td><td class=\"has-text-align-center\" data-align=\"center\">BPCL<\/td><td class=\"has-text-align-center\" data-align=\"center\">IndianOil<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Reward rate on fuel<\/td><td class=\"has-text-align-center\" data-align=\"center\">25 Reward Points every \u20b9100 spent<\/td><td class=\"has-text-align-center\" data-align=\"center\">15 Fuel Points every \u20b9100 spent<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Reward value<\/td><td class=\"has-text-align-center\" data-align=\"center\">4 points = \u20b91<\/td><td class=\"has-text-align-center\" data-align=\"center\">1 Fuel Point = \u20b90.50<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Effective reward<\/td><td class=\"has-text-align-center\" data-align=\"center\">6.25% valueback<\/td><td class=\"has-text-align-center\" data-align=\"center\">7.5% valueback<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Fuel surcharge waiver<\/td><td class=\"has-text-align-center\" data-align=\"center\">1% (up to \u20b9100\/month)<\/td><td class=\"has-text-align-center\" data-align=\"center\">1% (up to \u20b9200\/month)<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Total effective fuel savings<\/td><td class=\"has-text-align-center\" data-align=\"center\">~7.25%<\/td><td class=\"has-text-align-center\" data-align=\"center\">~8.5%<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Monthly reward cap<\/td><td class=\"has-text-align-center\" data-align=\"center\">2500 reward points<\/td><td class=\"has-text-align-center\" data-align=\"center\">2000 fuel points<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Monthly fuel spend limit for max reward<\/td><td class=\"has-text-align-center\" data-align=\"center\">~\u20b910,000<\/td><td class=\"has-text-align-center\" data-align=\"center\">~\u20b913,333<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p><strong>Also read:<\/strong> <a href=\"https:\/\/tradebrains.in\/money\/top-5-credit-cards-with-the-lowest-spend-requirement-for-complimentary-lounge-access-in-2026\/\" target=\"_blank\" rel=\"noreferrer noopener\">Top 5 Credit Cards With the Lowest Spend Requirement for Complimentary Lounge Access in 2026<\/a><\/p>\n<\/blockquote>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-final-verdict\" style=\"font-size:22px\"><strong>Final verdict<\/strong><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li>RBL IndianOil XTRA for Higher fuel savings (~8.5%)<\/li>\n\n\n\n<li>SBI BPCL Octane for Slightly lower (~7.25%)<\/li>\n<\/ul>\n\n\n\n<p>In conclusion, RBL IndianOil XTRA card is beneficial for mostly 4 wheelers, people with high fuel spends and  SBI BPCL Octane is mostly for mid spenders and also provides lounge access  plus dining rewards. <\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p>Written by Vijai Krishna<\/p>\n<\/blockquote>\n","protected":false},"excerpt":{"rendered":"<p>Synopsis: This article compares the BPCL SBI Card Octane and the IndianOil RBL Bank XTRA Credit Card to determine which card helps you save more, which one is better for high fuel spenders, and which is best suited for 2-wheelers and 4-wheelers. BPCL SBI Card Octane BPCL SBI card Octane is one of India&#8217;s most [&hellip;]<\/p>\n","protected":false},"author":5,"featured_media":5952,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"off","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"categories":[10,14],"tags":[],"ppma_author":[1013],"class_list":["post-5818","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit-cards","category-trending"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v26.3 (Yoast SEO v26.3) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>BPCL SBI Card Octane vs IndianOIL RBL Bank XTRA: If You Spend \u20b910,000 on Fuel Monthly, Which Card Saves You More?<\/title>\n<meta name=\"description\" content=\"This article compares the BPCL SBI Card Octane and the IndianOil RBL Bank XTRA Credit Card to determine which card helps you 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