10 pts / ₹150
Strong data Pairwise comparison
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ICICI Bank HPCL Super Saver vs SBI Card BPCL SBI Card OCTANE Credit Cards – Fees, Lounge, Forex
Side-by-side comparison of the ICICI Bank HPCL Super Saver and the SBI Card BPCL SBI Card OCTANE. Verify fees, lounge access, forex markup, and base rewards before you apply.
The short answer
VerdictNo decisive winner on the core dimensions — the head-to-head below shows where the small differences are.
Head-to-head
Three core metrics- Annual fee HPCL Super Saver saves ₹999/yrHPCL Super Saver ₹500 Waivable at ₹1,50,000 or more spendBPCL SBI Card OCTANE ₹1,499 Waivable at ₹2,00,000 spend
- Forex markup HPCL Super Saver 3.5%BPCL SBI Card OCTANE 3.5%
- Domestic lounge HPCL Super Saver 4/year (1 per quarter) Conditional · Domestic: 1/quarter · requires ₹75,000 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 (ICICI Bank HPCL Super Saver: ₹500 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 Insufficient data Insufficient data to compare rewards
Available evidence is incomplete: ICICI Bank HPCL Super Saver is not safely INR-comparable (no usable point value). SBI Card BPCL SBI Card OCTANE conservative base value ~0.25% per ₹100.
All fields
Example usage at this monthly spend
At ₹50k/month spend:
- BPCL SBI Card OCTANE: ~₹130/month at base rate
- HPCL Super Saver: Base earn not clearly specified
Illustrative only, using current base rates before caps.
| Field | HPCL Super Saver ICICI Bank | BPCL SBI Card OCTANE SBI Card |
|---|---|---|
| Lounge Access | ||
| Domestic lounge visits spend-gated on some cards — see caveats Only available for HPCL Super Saver | 4/year (1 per quarter) | Not specified |
| International lounge visits Only available for HPCL Super Saver | No international lounge access | Not specified |
| Forex / International Use | ||
| Forex markup | 3.5% | 3.5% |
| Fees | ||
| Recurring annual fee ₹500 vs ₹1,499 | ₹500 | ₹1,499 |
| First-year cost Only available for HPCL Super Saver | ₹500 | Not specified |
| Annual-fee waiver ₹1,50,000 or more vs ₹2,00,000 | ₹1,50,000 or more | ₹2,00,000 |
| Interest-free period Up to 48 days vs Up to 50 days | Up to 48 days | Up to 50 days |
| Monthly interest rate | 3.75% / month | 3.75% / month |
| Late-payment charge Only available for HPCL Super Saver | ₹100–₹1,300 depending on outstanding balance | Not specified |
| Fuel benefit Only available for HPCL Super Saver | 1% surcharge waiver · ₹400–₹4,000 transactions | Not specified |
| Rewards | ||
| Base earn 10 pts / ₹150 vs 1 pt / ₹100 | 10 pts / ₹150 | 1 pt / ₹100 |
| Conservative base value Not safely INR-comparable vs ~0.3% | Not safely INR-comparable | ~0.3% |
| Earn ceiling ₹200 per month vs 2,500 points per month; at 25 pts / ₹100, this lane reaches the cap at ₹10,000 of eligible spend | ₹200 per 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) Fuel redemption value at the pump or issuer fuel channel — not a universal cashback rate. Only available for BPCL SBI Card OCTANE | Not specified | ₹0.25 |
Notes
- ICICI Bank HPCL Super Saver Credit Card: Condition: ₹75,000 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.
ICICI Bank HPCL Super Saver
Verify with issuer , opens external siteSBI Card BPCL SBI Card OCTANE
Verify with issuer , opens external site