BPCL SBI Card Octane vs IDFC FIRST Power+ Credit Card
Compare BPCL SBI Octane and IDFC FIRST Power+ Credit Card for BPCL, HPCL, fuel rewards, lounge access, annual fee, grocery and utility benefits.
BPCL SBI Card Octane
A BPCL-focused fuel card for users who regularly refuel at BPCL outlets and can use reward points and milestone vouchers.
IDFC FIRST Power+ Credit Card
A low-fee HPCL-focused card with fuel rewards plus some grocery, utility, travel and conditional lounge value.
Quick Verdict
Choose BPCL SBI Octane if you mainly refuel at BPCL and want a stronger fuel-focused paid card. Choose IDFC FIRST Power+ if you prefer HPCL and want a lower-fee fuel card with some grocery and utility value.
Side-by-Side Comparison
Compare both cards on fees, rewards, lounge access, use cases and overall value.
| Feature | BPCL SBI Card Octane | IDFC FIRST Power+ Credit Card | Better Choice |
|---|---|---|---|
| Best use case | BPCL fuel and Bharat Gas | HPCL fuel, HP Pay, grocery and utility | Depends on fuel station preference |
| Annual fee | Rs. 1499 with waiver condition | Rs. 499 with waiver condition | IDFC FIRST Power+ |
| Fuel brand | BPCL-focused | HPCL-focused | Depends on where you refuel |
| Utility / grocery | Some grocery reward value through 10X categories | Utility and grocery value shown in current data | IDFC FIRST Power+ |
| Domestic lounge | Domestic lounge access shown | Domestic lounge access subject to spend condition | BPCL SBI Octane for simpler lounge mention |
| Premium fuel value | Higher-fee fuel card with strong BPCL value | Lower-fee fuel card with HPCL and extra categories | Depends on usage |
| Low spend users | May be expensive if fuel spends are low | Easier to justify due to lower fee | IDFC FIRST Power+ |
| Overall | Best for BPCL-heavy users | Best for HPCL and budget-conscious fuel users | Depends on fuel station and fee comfort |
Fees, Rewards and Lounge Access
Important details you should check before deciding between these two cards.
BPCL SBI Card Octane
Annual fee: ₹ 1499, Annual fee waiver on spending above ₹ 2 Lakh in a year.
Best for: Fuel
Lounge: 4 domestic visits per year as per current CardBachat data.
- 6.25% value back as reward points on BPCL fuel and lubricants subject to caps.
- 6.25% value back on Bharat Gas app and website spends subject to caps.
- 10X reward points on dining, departmental stores, grocery and movies.
IDFC FIRST Power+ Credit Card
Annual fee: ₹ 499, Annual fee waiver on spending above ₹ 1.5 Lakh in a year.
Best for: Fuel
Lounge: 4 domestic visits per year subject to minimum monthly spends as per current CardBachat data.
- Fuel value back at HPCL outlets.
- Additional value through HP Pay app spends.
- Grocery and utility transaction rewards as per current data.
Which Card Should You Choose?
Pick the card that matches your actual monthly spending pattern.
Choose BPCL SBI Card Octane if
Choose IDFC FIRST Power+ Credit Card if
Pros and Cons
A quick view of strengths and limitations of both cards.
BPCL SBI Card Octane: Pros
BPCL SBI Card Octane: Cons
IDFC FIRST Power+ Credit Card: Pros
IDFC FIRST Power+ Credit Card: Cons
Final Recommendation
BPCL SBI Octane is better for BPCL loyalists. IDFC FIRST Power+ is better for HPCL users and lower-fee seekers.
Related Card Pages
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Find My Best Card →Frequently Asked Questions
Quick answers before you compare or apply.
Which is better: BPCL SBI Card Octane or IDFC FIRST Power+ Credit Card?
BPCL SBI Octane is better for BPCL loyalists. IDFC FIRST Power+ is better for HPCL users and lower-fee seekers.
Who should choose BPCL SBI Card Octane?
You refuel mostly at BPCL outlets. You want stronger BPCL-linked fuel rewards. You can justify a higher annual fee.
Who should choose IDFC FIRST Power+ Credit Card?
You refuel mostly at HPCL outlets. You want a lower annual fee. You also want some utility and grocery reward value.
Should I verify latest card terms before applying?
Yes. Credit card fees, rewards, cashback caps, lounge access and eligibility can change. Always verify the latest terms with the bank before applying.