Which card has a lower forex fee: HDFC Millennia Credit Card or BPCL SBI Card OCTANE?

Both cards have the same forex markup (3.5%).

Which card has a lower annual fee: HDFC Millennia Credit Card or BPCL SBI Card OCTANE?

HDFC Millennia Credit Card has a lower annual fee (₹1,000 vs ₹1,499).

Which card offers better lounge access?

HDFC Millennia Credit Card: 1 per quarter domestic lounge. BPCL SBI Card OCTANE: 4 per year domestic lounge.

Which card has a higher base reward rate?

Both cards have similar base reward value (~1%).

Pairwise comparison Compare 3+ cards →

HDFC Bank Millennia vs SBI Card BPCL SBI Card OCTANE Credit Cards – Fees, Lounge, Forex

Side-by-side comparison of the HDFC Bank Millennia and the SBI Card BPCL SBI Card OCTANE. Verify fees, lounge access, forex markup, and base rewards before you apply.

Quick comparison

Three core metrics

Millennia HDFC Bank

Annual fee ₹1,000 Waivable at ₹1,00,000 spend
Forex markup 3.5%
Domestic lounge 4/year (1 per quarter) Conditional · Domestic: 1/quarter · requires ₹1,00,000 spend in the previous calendar quarter

BPCL SBI Card OCTANE SBI Card

Annual fee ₹1,499 Waivable at ₹2,00,000 spend
Forex markup 3.5%
Domestic lounge 4/year

Reward earning explained

Per card

Millennia

1% · Up to 5% on Amazon

Limited data

BPCL SBI Card OCTANE

1% · Up to 25 pts / ₹100 on BPCL

Limited data

Pick based on what matters

3 dimensions

Start with the constraint you care about most: annual fee (HDFC Bank Millennia: ₹1,000 vs SBI Card BPCL SBI Card OCTANE: ₹1,499), forex markup (3.5% vs 3.5%), or lounge access (4/year (1 per quarter) vs 4/year).

Forex markup Tie

Both cards are similar for forex

Forex markup is 3.5%.
Lounge access Tie

Both cards are similar for lounge access

Domestic lounge access is 1 per quarter. Domestic lounge access is 4 per year.
Rewards Tie

Both cards are similar for rewards

HDFC Bank Millennia conservative base value ~1% vs SBI Card BPCL SBI Card OCTANE's ~1%. SBI Card BPCL SBI Card OCTANE conservative base value ~1% vs HDFC Bank Millennia's ~1%.

HDFC Bank Millennia

Confidence: Low (limited information available)

Verify with issuer

SBI Card BPCL SBI Card OCTANE

Confidence: Low (limited information available)

Verify with issuer

All fields

Standard view

Example usage at this monthly spend

At ₹50k/month spend:

Millennia: ~₹500/month at base rate
BPCL SBI Card OCTANE: ~₹500/month at base rate

Illustrative only, using current base rates before caps.

Swipe for all fields

Field	Millennia HDFC Bank	BPCL SBI Card OCTANE SBI Card
Lounge Access
Domestic lounge visits 4/year (1 per quarter) vs 4/year	4/year (1 per quarter)	4/year
Forex / International Use
Forex markup	3.5%	3.5%
Fees
Annual fee ₹1,000 vs ₹1,499	₹1,000	₹1,499
Joining fee ₹1,000 vs ₹1,499	₹1,000	₹1,499
Fee waiver spend ₹1,00,000 vs ₹2,00,000	₹1,00,000	₹2,00,000
Rewards
Base cashback	1%	1%
Point value (headline channel) Issuer headline redemption rate — see each card page for the full channel grid. Only available for Millennia	₹1	Not specified

Notes

Some data has low confidence — verify with the issuer before relying on it.
Card benefits change frequently. Always verify current terms on the issuer's official website or app before applying.