Verified 2026 Bank MITC Rules & RBI ExclusionsUpdated: 2026-03-01
SBI SimplyCLICK Credit Card vs BPCL SBI Card OCTANE for ₹100,000 Monthly Spend
Comparing SBI SimplyCLICK Credit Card vs BPCL SBI Card OCTANE at ₹100,000/month. BPCL SBI Card OCTANE wins, delivering ₹15,360 net annual value (1.28% ROI) vs ₹14,160 for SBI SimplyCLICK Credit Card.
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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+ ₹1,200/yr Higher Value
BPCL SBI Card OCTANE
Delivers ₹15,360 net annual returns (1.28% ROI) vs ₹14,160 on SBI SimplyCLICK Credit Card.
Card A
SBI SimplyCLICK Credit Card
SBI Card
₹14,160Net Annual Benefit
Gross Rewards:₹14,160/yr
Effective Fee (incl. GST):Waived (₹0)
Net ROI on Spend:1.18%
Fee Waiver Progress (1L target):100%
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 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 | SBI SimplyCLICK 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 | ₹38 (0.25%) | ₹38 (0.25%) |
| Electricity, Water, Gas & Broadband Bills | ₹12,000/mo | ₹30 (0.25%) | ₹30 (0.25%) |
| Swiggy, Zomato & Dining Out | ₹12,000/mo | ₹150 (1.25%) | ₹300 (2.5%) |
| Blinkit, Zepto, Instamart & Supermarkets | ₹10,000/mo | ₹125 (1.25%) | ₹250 (2.5%) |
| Petrol & Diesel at Fuel Stations1% fuel surcharge waiver on ₹500-₹3,000 transactions, max ₹100/mo | ₹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 | ₹13 (0.25%) | 0% Excluded |
| House Rent & School/College Fees₹199 + GST processing fee on rental spends | ₹5,000/mo | 0% Excluded | 0% Excluded |
| International Travel & Forex Spends | ₹0/mo | ₹0 (0.25%) | ₹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 | +₹14,160 | +₹15,360 |
Frequently Asked Questions
Which card is better between SBI SimplyCLICK Credit Card and BPCL SBI Card OCTANE for ₹100,000/month?▼
At ₹100,000/month (₹1,200,000/year), BPCL SBI Card OCTANE mathematically outperforms SBI SimplyCLICK Credit Card by ₹1,200/year. BPCL SBI Card OCTANE delivers ₹15,360 net annual benefit (1.28% effective yield), while SBI SimplyCLICK Credit Card returns ₹14,160 (1.18% effective yield).
Will the annual fee be waived at ₹100,000 monthly spend?▼
On an annual spend of ₹1,200,000: SBI SimplyCLICK 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, SBI SimplyCLICK Credit Card loses ₹0/year to monthly cashback caps, while BPCL SBI Card OCTANE loses ₹0/year. SBI SimplyCLICK Credit Card remains uncapped at this spend. BPCL SBI Card OCTANE remains uncapped at this spend.
What is the breakeven monthly spend between SBI SimplyCLICK Credit Card and BPCL SBI Card OCTANE?▼
The calculated crossover breakeven spend is ₹17,000/month, where higher-fee benefits overtake the lower-fee option.