Verified 2026 Bank MITC Rules & RBI ExclusionsUpdated: 2026-03-01
Ixigo AU Credit Card vs BPCL SBI Card OCTANE for ₹100,000 Monthly Spend
Comparing Ixigo AU Credit Card vs BPCL SBI Card OCTANE at ₹100,000/month. Ixigo AU Credit Card wins, delivering ₹20,550 net annual value (1.71% ROI) vs ₹15,360 for BPCL SBI Card OCTANE.
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₹1,00,000(₹12,00,000/yr)
₹10,000/mo₹1,00,000/mo₹2,50,000/mo
Winner at ₹1,00,000/mo+ ₹5,190/yr Higher Value
Ixigo AU Credit Card
Delivers ₹20,550 net annual returns (1.71% ROI) vs ₹15,360 on BPCL SBI Card OCTANE.
Card A
Ixigo AU Credit Card
AU Small Finance Bank
₹20,550Net Annual Benefit
Gross Rewards:₹20,550/yr
Effective Fee (incl. GST):Waived (₹0)
Net ROI on Spend:1.71%
Card B
BPCL SBI Card OCTANE
SBI Card
₹15,360Net Annual Benefit
Gross Rewards:₹15,360/yr
Effective Fee (incl. GST):Waived (₹0)
Net ROI on Spend:1.28%
Fee Waiver Progress (2L target):100%
2-Card Optimization HackMaximize Trapped / Capped Spend
+₹12,000/year Extra YieldPair Ixigo AU Credit Card + SBI Cashback Credit Card
Pair Ixigo AU Credit Card with SBI Cashback Credit Card to capture up to ₹12,000/yr extra on zero-reward categories.
Routes excluded categories:Utility & Offline Spends
Detailed 12-Category Rupee Breakdown (@ ₹1,00,000/mo)
| Spend Category | Monthly Spend | Ixigo AU Credit Card | BPCL SBI Card OCTANE |
|---|---|---|---|
| Amazon, Flipkart & Myntra Shopping | ₹25,000/mo | ₹625 (2.5%) | ₹63 (0.25%) |
| Scan & Pay Merchant UPI | ₹15,000/mo | ₹188 (1.25%) | ₹38 (0.25%) |
| Electricity, Water, Gas & Broadband Bills | ₹12,000/mo | ₹150 (1.25%) | ₹30 (0.25%) |
| Swiggy, Zomato & Dining Out | ₹12,000/mo | ₹300 (2.5%) | ₹300 (2.5%) |
| Blinkit, Zepto, Instamart & Supermarkets | ₹10,000/mo | ₹250 (2.5%) | ₹250 (2.5%) |
| Petrol & Diesel at Fuel Stations1% fuel surcharge waiver on transactions between ₹400 and ₹5,000, capped at ₹150/cycle | ₹8,000/mo | 0% Excluded | ₹580 (7.25%) |
| Flights, Hotels & IRCTC Trains | ₹8,000/mo | ₹200 (2.5%) | ₹20 (0.25%) |
| LIC, Health & Term Insurance Premiums | ₹5,000/mo | 0% Excluded | 0% Excluded |
| House Rent & School/College FeesRent and educational payments are excluded from reward points accrual | ₹5,000/mo | 0% Excluded | 0% Excluded |
| International Travel & Forex SpendsZero 0% markup fee on foreign currency transactions; 1% dynamic currency conversion fee applies if settled in INR | ₹0/mo | ₹0 (1.25%) | ₹0 (0.25%) |
| Gold, Silver & Jewelry Purchases | ₹0/mo | ₹0 (0%) | ₹0 (0%) |
| Income Tax, GST & Challan Payments | ₹0/mo | ₹0 (0%) | ₹0 (0%) |
| Net Annual Benefit | ₹12,00,000/yr | +₹20,550 | +₹15,360 |
Frequently Asked Questions
Which card is better between Ixigo AU Credit Card and BPCL SBI Card OCTANE for ₹100,000/month?▼
At ₹100,000/month (₹1,200,000/year), Ixigo AU Credit Card mathematically outperforms BPCL SBI Card OCTANE by ₹5,190/year. Ixigo AU Credit Card delivers ₹20,550 net annual benefit (1.71% effective yield), while BPCL SBI Card OCTANE returns ₹15,360 (1.28% effective yield).
Will the annual fee be waived at ₹100,000 monthly spend?▼
On an annual spend of ₹1,200,000: Ixigo AU Credit Card annual fee is waived (₹0). BPCL SBI Card OCTANE annual fee is waived (₹0).
How do reward caps impact the earnings on both cards?▼
At this spend tier, Ixigo AU Credit Card loses ₹0/year to monthly cashback caps, while BPCL SBI Card OCTANE loses ₹0/year. Ixigo AU Credit Card remains uncapped at this spend. BPCL SBI Card OCTANE remains uncapped at this spend.
What is the breakeven monthly spend between Ixigo AU Credit Card and BPCL SBI Card OCTANE?▼
The calculated crossover breakeven spend is ₹213,000/month, where higher-fee benefits overtake the lower-fee option.