SBI BPCL Octane vs Scapia Federal Credit Card
Detailed comparison of these two popular credit cards
SBI BPCL Octane
SBI Card
Mid-RangeVS
Winner
Scapia Federal Credit Card
Federal Bank
Mid-Range*
Different Reward Types
Card 1 gives ⛽ Fuel Points while Card 2 gives ⭐ Reward Points. We're showing effective cash values for fair comparison.
Annual Fee
₹1K vs FREE
Effective Rate
(cash value)
0.3% vs 2.0%
Lounge Access
4/year vs Unlimited
Detailed Comparison
| Feature | SBI BPCL Octane | Scapia Federal Credit Card |
|---|---|---|
Fees & Charges | ||
| Joining Fee | ₹1K | FREE |
| Annual Fee | ₹1K | FREE |
| Fee Waiver | Spend ₹2L annually | None |
| Forex Markup | - | 0% |
Rewards | ||
| Reward Type | ⛽Fuel Points | ⭐Reward Points |
| Effective Cash Value | 0.25% | 2% |
Lounge Access | ||
| Domestic Lounges | 4/year | Unlimited |
| Priority Pass | - | - |
Eligibility | ||
| Min. Income | ₹4.0L | ₹4.0L |
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
Scapia Federal Credit Card is Best For
Best zero forex + zero fee travel card
Watch Out
- • No international lounge access
- • No rewards on international spends
Our Verdict
Based on overall features and value,
Scapia Federal Credit Card wins!
Score: 22vsScore: 73
