Verified 2026 Bank MITC Rules & RBI ExclusionsUpdated: 2026-03-01
BPCL SBI Card OCTANE vs OneCard Metal Credit Card for ₹100,000 Monthly Spend
Comparing BPCL SBI Card OCTANE vs OneCard Metal Credit Card at ₹100,000/month. BPCL SBI Card OCTANE wins, delivering ₹15,360 net annual value (1.28% ROI) vs ₹7,368 for OneCard Metal Credit Card.
Interactive Head-to-Head Simulator
Test Your Monthly Spend & Category Mix
Simulates real-world capping thresholds, 18% GST deductions, and bank waiver rules in real time.
₹1,00,000(₹12,00,000/yr)
₹10,000/mo₹1,00,000/mo₹2,50,000/mo
Winner at ₹1,00,000/mo+ ₹7,992/yr Higher Value
BPCL SBI Card OCTANE
Delivers ₹15,360 net annual returns (1.28% ROI) vs ₹7,368 on OneCard Metal Credit Card.
Card A
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%
Card B
OneCard Metal Credit Card
Federal Bank
₹7,368Net Annual Benefit
Gross Rewards:₹7,368/yr
Effective Fee (incl. GST):Waived (₹0)
Net ROI on Spend:0.61%
2-Card Optimization HackMaximize Trapped / Capped Spend
+₹12,000/year Extra YieldPair BPCL SBI Card OCTANE + SBI Cashback Credit Card
Pair BPCL SBI Card OCTANE 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 | BPCL SBI Card OCTANE | OneCard Metal Credit Card |
|---|---|---|---|
| Amazon, Flipkart & Myntra Shopping | ₹25,000/mo | ₹63 (0.25%) | ₹250 (1%) |
| Scan & Pay Merchant UPI | ₹15,000/mo | ₹38 (0.25%) | ₹30 (0.2%) |
| Electricity, Water, Gas & Broadband Bills | ₹12,000/mo | ₹30 (0.25%) | ₹24 (0.2%) |
| Swiggy, Zomato & Dining Out | ₹12,000/mo | ₹300 (2.5%) | ₹120 (1%) |
| Blinkit, Zepto, Instamart & Supermarkets | ₹10,000/mo | ₹250 (2.5%) | ₹100 (1%) |
| Petrol & Diesel at Fuel Stations6.25% + 1% surcharge waiver valid at BPCL petrol pumps up to ₹4,000/txn, max 2500 points/mo | ₹8,000/mo | ₹580 (7.25%) | 0% Excluded |
| Flights, Hotels & IRCTC Trains | ₹8,000/mo | ₹20 (0.25%) | ₹80 (1%) |
| LIC, Health & Term Insurance Premiums | ₹5,000/mo | 0% Excluded | ₹10 (0.2%) |
| House Rent & School/College Fees₹199 + GST processing fee on rent transactions | ₹5,000/mo | 0% Excluded | 0% Excluded |
| International Travel & Forex Spends | ₹0/mo | ₹0 (0.25%) | ₹0 (1%) |
| 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 | +₹15,360 | +₹7,368 |
Frequently Asked Questions
Which card is better between BPCL SBI Card OCTANE and OneCard Metal Credit Card for ₹100,000/month?▼
At ₹100,000/month (₹1,200,000/year), BPCL SBI Card OCTANE mathematically outperforms OneCard Metal Credit Card by ₹7,992/year. BPCL SBI Card OCTANE delivers ₹15,360 net annual benefit (1.28% effective yield), while OneCard Metal Credit Card returns ₹7,368 (0.61% effective yield).
Will the annual fee be waived at ₹100,000 monthly spend?▼
On an annual spend of ₹1,200,000: BPCL SBI Card OCTANE annual fee is waived (₹0). OneCard Metal Credit Card annual fee is waived (₹0).
How do reward caps impact the earnings on both cards?▼
At this spend tier, BPCL SBI Card OCTANE loses ₹0/year to monthly cashback caps, while OneCard Metal Credit Card loses ₹0/year. BPCL SBI Card OCTANE remains uncapped at this spend. OneCard Metal Credit Card remains uncapped at this spend.
What is the breakeven monthly spend between BPCL SBI Card OCTANE and OneCard Metal Credit Card?▼
The calculated crossover breakeven spend is ₹17,000/month, where higher-fee benefits overtake the lower-fee option.