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AU Small Finance Bank Vetta Credit Card vs BPCL SBI Card OCTANE

Joining Fees

₹2,999

₹1,499

Editor's Rating

3.3

4.3

Key Features

* Gain 10 Reward Points per Rs. 100 retail spends done on Utility bill payments
* Earn 4 Reward Points per Rs. 100 retail spends done Grocery and Departmental stores
* Avail 2 Reward Points per Rs.100 retail spends done across all other merchant categories
* Monthly Jackpot: Avail Zomato Pro annual membership on Rs. 50,000 retail spends made in any calendar month. This is applicable once in a card anniversary year
* Quarterly Milestone Benefits: Get 500 Bonus Reward Points on Rs. 50,000 retail spends made per calendar quarter, and get additional 1,000 Bonus Reward Points on reaching Rs. 1 lakh retail spends per calendar quarter. Hence, earn up to 1,500 Bonus Reward Points in every calendar quarter with Rs. 1 lakh retail spends
* Yearly Milestone Benefits: Avail Rs. 1,000 worth vouchers on minimum Rs. 2.50 lakh retail spends made in a card anniversary year. Choose vouchers from a bouquet of top brands
* Birthday Benefit: Get 1,000 Bonus Reward Points on completing one retail transaction on birthday
* Get complimentary domestic and international lounge access at 1,000+ airport lounges
* Avail 1 complimentary lounge access per calendar quarter, using the Priority Pass at all participating lounges
* Get 1 complimentary domestic lounge access per calendar quarter using the VISA Card
* Railway Lounges: Get 2 complimentary lounge access per calendar quarter, using VISA Card at railway stations in selected cities

  • As a Welcome Girft, avail 6000 bonus reward points equivalent to Rs. 1500 on payment of annual fees. The Reward Points will be credited to the card holders account within 30 days of annual fee payment
  • Spend Based fee reversal benefit - Next year Fee waiver on annual spends of 2 lakhs
  • Get 7.25% Value back ~ 25X Reward Points on fuel purchases at BPCL petrol pumps. Maximum 2500 Reward Points per billing cycle
  • 6.25% + 1% Fuel surcharge waiver on every BPCL transaction upto Rs. 4000 (exclusive of GST and other charges)
  • Avail 25 Reward Points on every Rs. 100 spent at BPCL Fuel, Lubricants & Bharat Gas (Website and app only) spend
  • Get 10 Reward Points on every Rs. 100 spent at Dining, Departmental Stores, Grocery & Movies (Up to 7500 Reward Points per month)
  • Earn 1 Reward point per Rs. 100 spent on other retail purchases
  • Avail 25 Reward Points on every Rs. 100 spent on Bharat Gas (Website and app only) is capped at 500 Reward Points per billing cycle
  • 4 Reward Point = Rs. 1
  • 1% fuel surcharge across all BPCL petrol pumps in India. This is applicable on transactions up to Rs. 4,000, exclusive of GST and other charges. Maximum fuel surcharge waiver of Rs. 100 per statement cycle per credit card account, which is equivalent to an Annual Savings of Rs.1200
  • 4 complimentary visits per calendar year to Domestic VISA lounges in India (Max. 1 visit per quarter)
  •  Obtain eGift Vouchers worth Rs. 2,000 from Aditya Birla Fashion Or Yatra Or Bata/Hush Puppies on annual spends of Rs. 3 Lakhs. The Aditya Birla Fashion voucher is redeemable at these brand stores only - Louis Philippe, Van Heusen, Allen Solly, Peter England, Planet Fashion, Simon Carter
  • Complimentary Fraud Liability cover of 1 Lakh
  • Instant Redemption of Reward Points at select BPCL petrol pumps
  • Redeem your Rewards Points at Shop & Smile Rewards Catalogue
  •  BPCL SBI Card OCTANE can be used at over 24 million outlets worldwide, including 3,25,000 outlets in India
  • Pay electricity, telephone, mobile and other utility bills using the Easy Bill Pay facility
  • Transfer the outstanding balance of other banks’ credit cards to BPCL SBI Card OCTANE, and avail a lower rate of interest and pay back in EMIs
  • With Flexipay, convert transactions in easy monthly installments. Make any purchase for Rs. 2,500 or more using BPCL SBI Card OCTANE 

Editor's Review

Pros
* 1% Fuel Surcharge Waiver for fuel transactions done between Rs. 400 and Rs. 5,000 at all fuel stations in India. Maximum Rs. 250 per statement cycle
* Get Air Accident Cover of up to Rs. 50 Lakhs, Credit Shield of up to Rs. 2 Lakhs, and Purchase Protection of up to Rs. 25,000
* Convert transactions worth Rs. 2,000 or more into easy EMI options on selected tenure chosen by you

Cons
* No golf privileges
* No Airmiles

Pros

  • 10X reward points across dining, movies, groceries and departmental stores
  • Complimentary domestic lounge visits every year
  • 6,000 bonus reward points worth the joining fee

Cons

  • Fuel benefits are limited to only BPCL outlets
  • No golf benefits
  • No cashback benefits


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