| Overview: The BPCL Octane SBI Card vs SBI SimplyCLICK Credit Card comparison highlights two rewarding lifestyle options. While the Octane card is ideal for frequent drivers with fuel rewards, SimplyCLICK shines for online shoppers. Both deliver strong value through reward points, partner benefits, and fee waivers tailored to distinct spending preferences. |
Fuel Your Savings or Shop Smarter: Which SBI Card Wins?
Credit card usage in India has surged, with over 113 million active cards catering to unique lifestyles and spending needs. The BPCL Octane SBI Card vs SBI SimplyCLICK Credit Card comparison perfectly captures this diversity; one rewards your fuel journeys, the other your online shopping sprees.
While the Octane card powers savings at Bharat Petroleum outlets with unmatched value back, SimplyCLICK accelerates rewards on digital purchases across major e-commerce brands. Choosing between them depends on how and where you spend, on the road or online; every rupee counts.
BPCL Octane SBI Card: Designed for the Fuel-Savvy
The BPCL Octane SBI Card caters primarily to motorists and frequent travellers who spend regularly on fuel, lubricants, or Bharat Gas.
Main Benefits:
- 25 Reward Points (RP) per ₹100 spent at BPCL Fuel, Lubricants & Bharat Gas (via website or app).
- 10 RP per ₹100 on groceries, departmental stores, dining, and movies (capped at 7,500 RP/month).
- 4 RP = ₹1, equivalent to 7.25% value back (6.25% via rewards + 1% fuel surcharge waiver up to ₹4,000 per transaction).
- Welcome bonus: 6,000 reward points worth ₹1,500 upon annual fee payment.
- Complimentary lounge access: Four domestic VISA lounge visits annually (one per quarter).
- Fee: ₹1,499 (reversible on annual spends of ₹2 lakh).
| Feature | BPCL Octane SBI Card |
| Annual Fee | ₹1,499 |
| Fuel Benefits | 25 RP/₹100 on BPCL spends |
| Value Back | 7.25% on fuel |
| Lounge Access | 4 visits/year |
| Fee Reversal | On ₹2 lakh annual spend |
SBI SimplyCLICK Credit Card: For the Online Shopper
In contrast, the SBI SimplyCLICK Credit Card is a dynamic entry-level option built for India’s digital shoppers. Whether you order groceries online, book travel, or binge on food delivery apps, this card ensures consistent rewards.
Core Features:
- 10X reward points on partners like Apollo 24×7, Myntra, BookMyShow, Cleartrip, Dominos, Netmeds, Swiggy, and Yatra.
- 5X rewards on all other online spends.
- 1 RP per ₹100 on offline transactions.
- Fee: ₹499 (waived on ₹1 lakh annual spend).
- Milestone Rewards: E-vouchers worth ₹2,000 each on annual online spends of ₹1 lakh and ₹2 lakh.
- 1% fuel surcharge waiver for each transaction between ₹500 and ₹3,000.
| Feature | SBI SimplyCLICK Credit Card |
| Annual Fee | ₹499 |
| Online Rewards | 10X RP on partner sites |
| Offline Rewards | 1 RP/₹100 |
| Fee Waiver | On ₹1 lakh spend |
| Milestone Benefits | ₹4,000 in travel e-vouchers |
| Important to Know: SBI SimplyCLICK Credit card is ideal for those who frequently spend online but may not benefit much from high offline spending or fuel purchases. |
BPCL Octane SBI Card vs SBI SimplyCLICK Credit Card: Detailed Comparison
Choosing between these two SBI cards isn’t just about rewards; it’s about matching your lifestyle with the card that truly amplifies your spending power.
| Category | BPCL Octane SBI Card | SBI SimplyCLICK Credit Card |
| Target User | Motorists, travellers | Online shoppers |
| Annual Fee | ₹1,499 | ₹499 |
| Reward Rate | 25 RP/₹100 on BPCL | 10X RP on partners |
| Lounge Access | 4 domestic visits | None |
| Value Back | Up to 7.25% on fuel | Up to 5% online |
| Fee Reversal | ₹2 lakh annual spend | ₹1 lakh annual spend |
| Ideal Spend Area | Fuel, dining | E-commerce, food delivery |
| Facts to Know: Both cards convert 4 reward points to ₹1, giving tangible redemption value when points are redeemed through the SBI Card platform. |
Rewards Redemption and Value
Understanding how each card converts your spending into tangible rewards is key. Redemption flexibility often defines a card’s true long-term value.
BPCL Octane SBI Card
- Rewards can be redeemed directly for fuel purchases or BPCL vouchers.
- High redemption efficiency with instant value back for frequent BPCL users.
SBI SimplyCLICK Credit Card
- Reward points can be redeemed for e-vouchers, travel bookings, or merchandise.
- Milestone e-vouchers from Yatra or Cleartrip add extra value for travellers.
To ensure smooth redemptions, understand credit card billing cycles.
| Mistakes to Avoid: Don’t mix cards for similar categories. Use Octane for fuel and SimplyCLICK exclusively for online spending to maximise reward efficiency. |
Fees, Waivers, and Protection
Both cards offer spend-based annual fee reversals, ensuring that active users rarely pay annual charges.
- BPCL Octane SBI Card: Fee reversal at ₹2 lakh spend; includes ₹1 lakh fraud liability cover.
- SBI SimplyCLICK Credit Card: Fee reversal at ₹1 lakh spend.
To protect your account, check tips on credit card fraud protection and avoiding credit card charges.
Airtel Axis Bank Credit Card – A Smart Middle Ground
While BPCL Octane SBI Card vs SBI SimplyCLICK Credit Card targets specific lifestyles, the Airtel Axis Bank Credit Card brings versatility, offering cashback on phone, broadband, and utility payments along with dining and OTT benefits.
This makes it a strong alternative for those wanting broader cashback benefits across multiple categories rather than focusing solely on fuel or online spends.
Choosing Between the Two
When comparing the BPCL Octane SBI Card vs SBI SimplyCLICK Credit Card, your lifestyle decides the winner:
- Pick Octane if you drive frequently and value fuel benefits.
- Choose SimplyCLICK if your lifestyle revolves around online transactions and digital shopping.
The Smart Way to Maximise Everyday Spending
Choosing the right card depends entirely on your spending habits. For fuel and travel-heavy users, the BPCL Octane SBI Card delivers unmatched savings and perks. Meanwhile, the SBI SimplyCLICK Credit Card suits the online shopper seeking everyday value and convenience.
However, if you desire a single card that combines cashback on utilities, shopping, and entertainment, the Airtel Axis Bank Credit Card offers that balance perfectly.
FAQs
1. Which card provides better fuel benefits in India?
The BPCL Octane SBI Card provides superior fuel rewards, offering up to 7.25% value back at Bharat Petroleum fuel outlets.
2. Who should choose the SBI SimplyCLICK Credit Card?
SBI SimplyCLICK Credit Card is best for users who frequently shop online and want maximum value on e-commerce platforms.
3. What is the annual fee for the BPCL Octane SBI Card and the SBI SimplyCLICK Credit Card?
The BPCL Octane SBI Card charges ₹1,499 annually, while the SBI SimplyCLICK Credit Card comes with an affordable ₹499 annual fee.
4. Do both cards offer annual fee waivers?
Yes, the BPCL Octane SBI Card waives fees at ₹2 lakh spends, while SimplyCLICK waives fees after ₹1 lakh.
5. Can reward points be redeemed for travel and shopping vouchers?
Yes, SimplyCLICK offers e-vouchers for Yatra and Cleartrip, while BPCL Octane SBI Card provides BPCL-specific redemption options.
