All credit cardsRates verified 26 Jul 2026Rates verified 26 Jul 2026
Amazon Pay ICICI vs BPCL SBI Card Octane
Quick answer
BPCL SBI Card Octane wins this comparison on 3 of 6 measures — fees, rewards, lounge, forex and APR. But pick based on how you actually spend; the card that wins on your top category beats the overall winner.
ICICI Bank
Amazon Pay ICICI
Visa
SBI Card
BPCL SBI Card Octane
Visa
Our pick
BPCL SBI Card Octane edges it for most people.
It wins on 3 of 6 measures. But if you spend heavily on shopping, the other one may still be the smarter call — check the row that matters most to you.
| Feature | Amazon Pay ICICI | BPCL SBI Card Octane |
|---|---|---|
| Annual fee | Free ✓ | ₹1,499 |
| Top reward rate | 5% | 8% ✓ |
| Lounge visits/yr | 0 | 4 ✓ |
| Forex markup | 4% | 4% |
| APR (per year) | 45% | 42% ✓ |
| Min income/mo | ₹20,000 ✓ | ₹30,000 |
No paid placement. Approval and final terms come from the issuer's key fact statement.
Common questions
- Which is better: Amazon Pay ICICI or BPCL SBI Card Octane?
- BPCL SBI Card Octane edges this MoneyRadar comparison because it wins more of the fee, reward, lounge, forex and APR checks. Still choose the card that matches your biggest spend category.
- How should I choose between Amazon Pay ICICI and BPCL SBI Card Octane?
- Start with annual fee and fee waiver, then compare rewards on your top two spend categories, lounge access only if you actually travel, and forex markup if you spend internationally.
- Should I carry a balance on either credit card?
- No. Amazon Pay ICICI and BPCL SBI Card Octane both charge high credit-card APRs when you revolve a balance. Pay the full bill monthly; interest can wipe out rewards many times over.