IDFC FIRST Power Plus vs SBI BPCL Octane
Detailed comparison of these two popular credit cards
IDFC FIRST Power Plus
IDFC FIRST Bank
Mid-RangeVS
SBI BPCL Octane
SBI Card
Mid-RangeAnnual Fee
₹499 vs ₹1K
Effective Rate
(cash value)
0.8% vs 0.3%
Lounge Access
None vs 4/year
Detailed Comparison
| Feature | IDFC FIRST Power Plus | SBI BPCL Octane |
|---|---|---|
Fees & Charges | ||
| Joining Fee | ₹499 | ₹1K |
| Annual Fee | ₹499 | ₹1K |
| Fee Waiver | Spend ₹1.5L annually | Spend ₹2L annually |
| Forex Markup | - | - |
Rewards | ||
| Reward Type | ⛽Fuel Points | ⛽Fuel Points |
| Effective Cash Value | 0.75% | 0.25% |
Lounge Access | ||
| Domestic Lounges | None | 4/year |
| Priority Pass | - | - |
Eligibility | ||
| Min. Income | ₹3.0L | ₹4.0L |
IDFC FIRST Power Plus is Best For
HPCL fuel users with RuPay UPI
Watch Out
- • No fuel surcharge waiver
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
It's a tie! Both cards are equally matched.
Choose based on your specific needs and spending patterns.
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