SBI BPCL Octane vs Kotak White
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
SBI BPCL Octane wins 8-0. Highest fuel cashback in India, 7.25% effective at BPCL pumps. Kotak White is still the right call if mid-premium kotak card; rewards come from milestone white pass value, not a per-spend rate..
Side-by-side
| Criterion | SBI BPCL Octane | Kotak White |
|---|---|---|
| Annual fee | ₹1,499 | · ₹3,000 |
| Joining fee | ₹1,499 | · ₹3,000 |
| Top reward rate | 7.25% (fuel) | · Milestone |
| Base reward rate | 1.25% | · Milestone |
| Forex markup | = 3.5% | = 3.5% |
| Welcome bonus | = 6,000 BPCL reward points (₹1,500 fuel value) | = White Pass value of ₹1,500 on ₹30,000 spend within 60 days of card set-up |
| Fee waiver threshold | ₹200,000 / yr | · ₹500,000 / yr |
| Min income | ₹360,000 | · ₹2,500,000 |
| Min credit score | 740 | · N/A |
| Editorial rating | 4.5/5 | · 4.3/5 |
Benefits compared
SBI BPCL Octane
- 25 reward points per ₹100 at BPCL (~7.25% value)
- 10x rewards on dining + grocery + departmental
- 4 domestic lounge visits/year
- 1% fuel surcharge waiver
Kotak White
- Milestone White Pass rewards, up to ₹27,000 per year on ₹12 lakh spend
- 3.5% forex markup
- Annual fee waived at ₹5 lakh annual spend
FAQ
›SBI BPCL Octane vs Kotak White: which is better?
SBI BPCL Octane wins on more dimensions (8 vs 0). But the right answer depends on your specific spending pattern, see the calculator below.
›Can I get both?
Yes, if your credit profile supports it, holding both is the optimal play. Use SBI BPCL Octane for its best categories, Kotak White for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
SBI BPCL Octane: 6,000 BPCL reward points (₹1,500 fuel value). Kotak White: White Pass value of ₹1,500 on ₹30,000 spend within 60 days of card set-up.