All credit cardsRates verified 15 Jun 2026Rates verified 15 Jun 2026
BPCL SBI Card Octane vs HDFC Millennia
Quick answer
BPCL SBI Card Octane vs HDFC Millennia is a close match. Compare annual fee, top reward rate, lounge access and forex markup — pick the card whose strengths match your spending, and always pay the full bill monthly.
SBI Card
BPCL SBI Card Octane
Visa
HDFC Bank
HDFC Millennia
Visa · Mastercard
Our pick
It's genuinely a toss-up — it comes down to your spending.
Pick based on the one row that matches how you actually spend.
| Feature | BPCL SBI Card Octane | HDFC Millennia |
|---|---|---|
| Annual fee | ₹1,499 | ₹1,000 ✓ |
| Top reward rate | 8% ✓ | 5% |
| Lounge visits/yr | 4 | 8 ✓ |
| Forex markup | 4% | 4% |
| APR (per year) | 42% ✓ | 45% |
| Min income/mo | ₹30,000 | ₹30,000 |