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Swiggy HDFC Bank vs BPCL SBI Card Octane – Full comparison

Both cards verified with issuer

Swiggy HDFC Bank source BPCL SBI Card Octane source

Difference is primarily driven by base reward rates

Key differences

Best rewards Swiggy HDFC Bank ~1%
Lowest fee Swiggy HDFC Bank ₹500

Spend context

At ₹50k/month spend:

  • Swiggy HDFC Bank: ~₹500/month at base rate
  • BPCL SBI Card Octane: ~₹130/month at base rate

Swiggy HDFC Bank shows higher base earn at this spend

Approximate, based on base rates (before caps).

Swiggy HDFC Bank HDFC BPCL SBI Card Octane SBI
Lounge Access
Domestic lounge visits
No difference
 None None
Forex / International Use
Forex markup
No difference
 3.5% 3.5%
Fees
Annual fee
₹500 vs ₹1,499
 ₹500 ₹1,499
Joining fee
₹500 vs ₹1,499
 ₹500 ₹1,499
Fee waiver spend
No difference
 ₹2,00,000 ₹2,00,000
Rewards
Points per ₹100
No difference
 1 pts 1 pts
Point cash value
₹1 vs ₹0.25
 ₹1 ₹0.25

Notes

  • Card benefits change frequently. Always verify current terms on the issuer's official website or app before applying.
Source: issuer websites + manual verification · Last verified 20 April 2026
Important

Data is compiled from issuer and public sources. Always verify with the issuer before applying.