HDFC Millennia vs SBI BPCL Octane
Detailed comparison of these two popular credit cards
Winner
HDFC Millennia
HDFC Bank
Mid-RangeVS
SBI BPCL Octane
SBI Card
Mid-Range*
Different Reward Types
Card 1 gives 💵 Cashback while Card 2 gives ⛽ Fuel Points. We're showing effective cash values for fair comparison.
Annual Fee
₹1K vs ₹1K
Effective Rate
(cash value)
1.0% vs 0.3%
Lounge Access
8/year vs 4/year
Detailed Comparison
| Feature | HDFC Millennia | SBI BPCL Octane |
|---|---|---|
Fees & Charges | ||
| Joining Fee | ₹1K | ₹1K |
| Annual Fee | ₹1K | ₹1K |
| Fee Waiver | Spend ₹1L annually | Spend ₹2L annually |
| Forex Markup | 3.5% | - |
Rewards | ||
| Reward Type | 💵Cashback | ⛽Fuel Points |
| Effective Cash Value | 1% | 0.25% |
Lounge Access | ||
| Domestic Lounges | 8/year | 4/year |
| Priority Pass | - | - |
Eligibility | ||
| Min. Income | ₹6.0L | ₹4.0L |
HDFC Millennia is Best For
Online shoppers on major platforms
Watch Out
- • 5% cashback capped at ₹1000/month
SBI BPCL Octane is Best For
BPCL loyalists spending ₹10K+/month on fuel
Watch Out
- • Fuel benefits ONLY at BPCL pumps
- • Max fuel benefit ₹625/month
Our Verdict
Based on overall features and value,
HDFC Millennia wins!
Score: 34vsScore: 22
