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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.
The short answer
VerdictPick Millennia for rewards.
Head-to-head
Three core metrics- Annual fee Millennia saves ₹499/yrMillennia ₹1,000 Waivable at ₹1,00,000 spendBPCL SBI Card OCTANE ₹1,499 Waivable at ₹2,00,000 spend
- Forex markup Millennia 3.5%BPCL SBI Card OCTANE 3.5%
- Domestic lounge Millennia 4/year (1 per quarter) Conditional · Domestic: 1/quarter · requires ₹1,00,000 spend in the previous calendar quarter (unlocks the following quarter)BPCL SBI Card OCTANE Lounge access not verified
Reward earning explained
Per card1 pt / ₹100 · Up to 25 pts / ₹100 on BPCL
Strong dataPick based on what matters
3 dimensionsStart 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 Lounge access not verified).
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Forex markup Tie Both cards are similar for forex
Forex markup is 3.5%.
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Lounge access Tie Both cards are similar for lounge access
Domestic lounge access is 1 per quarter. No verified lounge entitlement or explicit no-lounge evidence on file.
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Rewards HDFC Bank Millennia wins HDFC Bank Millennia is better for rewards
HDFC Bank Millennia is stronger here. HDFC Bank Millennia conservative base value ~1% vs SBI Card BPCL SBI Card OCTANE's ~0.3%.
All fields
Example usage at this monthly spend
At ₹50k/month spend:
- Millennia: ~₹500/month at base rate
- BPCL SBI Card OCTANE: ~₹130/month at base rate
Illustrative only, using current base rates before caps.
| Field | Millennia HDFC Bank | BPCL SBI Card OCTANE SBI Card |
|---|---|---|
| Lounge Access | ||
| Domestic lounge visits spend-gated on some cards — see caveats Only available for Millennia | 4/year (1 per quarter) | Not specified |
| International lounge visits Only available for Millennia | No international lounge access | Not specified |
| Forex / International Use | ||
| Forex markup | 3.5% | 3.5% |
| Fees | ||
| Recurring annual fee ₹1,000 vs ₹1,499 | ₹1,000 | ₹1,499 |
| First-year cost Only available for Millennia | ₹1,000 | Not specified |
| Annual-fee waiver ₹1,00,000 vs ₹2,00,000 | ₹1,00,000 | ₹2,00,000 |
| Monthly interest rate | 3.75% / month | 3.75% / month |
| Late-payment charge Only available for Millennia | ₹100–₹1,300 depending on outstanding balance | Not specified |
| Fuel benefit Only available for Millennia | 1% surcharge waiver · ₹400–₹5,000 transactions · ₹250/month waiver cap · ₹1,00,000/year waiver cap · Fuel rewards excluded | Not specified |
| Rewards | ||
| Base earn 1% vs 1 pt / ₹100 | 1% | 1 pt / ₹100 |
| Conservative base value ~1% vs ~0.3% | ~1% | ~0.3% |
| Earn ceiling ₹1,000 per calendar month vs 2,500 points per month; at 25 pts / ₹100, this lane reaches the cap at ₹10,000 of eligible spend | ₹1,000 per calendar month | 2,500 points per month; at 25 pts / ₹100, this lane reaches the cap at ₹10,000 of eligible spend |
| Point value (headline channel) Issuer headline redemption rate — see each card page for the full channel grid. ₹1 vs ₹0.25 | ₹1 | ₹0.25 |
| Point validity Only available for Millennia | 2 years | Not specified |
Notes
- HDFC Millennia Credit Card: Condition: ₹1,00,000 spend in the previous calendar quarter (unlocks the following quarter)
- Card benefits change frequently. Always verify current terms on the issuer's official website or app before applying.
HDFC Bank Millennia
Verify with issuer , opens external siteSBI Card BPCL SBI Card OCTANE
Verify with issuer , opens external site