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IDFC FIRST Millennia vs BPCL SBI Card Octane – Full comparison

Both cards verified with issuer

IDFC FIRST Millennia source BPCL SBI Card Octane source

Annual fee structure is a key difference

Key differences

Lowest fee IDFC FIRST Millennia ₹0
Best lounge IDFC FIRST Millennia 4/year lounge

Spend context

At ₹50k/month spend:

  • IDFC FIRST Millennia: ~₹250/month at base rate
  • BPCL SBI Card Octane: ~₹130/month at base rate

Approximate, based on base rates (before caps).

IDFC FIRST Millennia IDFC BPCL SBI Card Octane SBI
Lounge Access
Domestic lounge visits
4/year vs None
 4/year None
Forex / International Use
Forex markup
No difference
 3.5% 3.5%
Fees
Annual fee
₹0 vs ₹1,499
 ₹0 ₹1,499
Joining fee
₹0 vs ₹1,499
 ₹0 ₹1,499
Fee waiver spend
Only available for BPCL SBI Card Octane
 Not clearly specified ₹2,00,000
Rewards
Reward points (base spend)
3 pts/₹150 vs 1 pts/₹100
 3 pts/₹150 1 pts/₹100
Point cash value
No difference
 ₹0.25 ₹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.