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Axis Bank KWIK RuPay Credit Card VS BPCL SBI Credit Card

A detailed, side-by-side look at 2 leading credit cards. Analyze the features that matter most to you and make an informed choice.
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Last updated: 1 May 2026

Both Axis Bank KWIK RuPay Credit Card and BPCL SBI Credit Card suit shopping-focused spenders, but they earn and cost differently. Axis Bank KWIK RuPay Credit Card is lifetime-free and earns 2 EDGE Reward Points for every Rs. 200 spent on both domestic and international transactions. BPCL SBI Credit Card costs ₹499 + GST and earns 4.25% Valueback on fuel. 5 points per Rs. 100 on select categories & 1 point on others. BPCL SBI Credit Card also brings get 2,000 Activation Bonus Reward Points worth Rs. 500 on payment of the joining fee. If shopping spending matters more, go with Axis Bank KWIK RuPay Credit Card; if fuel is the priority, BPCL SBI Credit Card fits better.

Axis Bank KWIK RuPay Credit Card
Axis Bank KWIK RuPay Credit Card
BPCL SBI Credit Card
BPCL SBI Credit Card

Fees & Charges

Joining FeeLifetime Free
Joining Fee₹499 + GST
Renewal FeeLifetime Free
Renewal Fee₹499 + GST
Spend Based Waiver
Spend Based WaiverRenewal fee waived if annual spends for the preceding year are Rs. 50,000 or more.
Foreign Transaction Fees3.5% of the transaction amount.
Foreign Transaction Fees3.5% of the transaction amount.
Interest Rate (APR)3.6% per month (equivalent to 52.86% per annum).
Interest Rate (APR)Monthly 3.5%-3.75% (42-45% annually).

Rewards & Benefits

Welcome Bonus
Welcome BonusGet 2,000 Activation Bonus Reward Points worth Rs. 500 on payment of the joining fee.
Rewards RateEarn 2 EDGE Reward Points for every Rs. 200 spent on both domestic and international transactions.
Rewards Rate4.25% Valueback on fuel. 5 points per Rs. 100 on select categories & 1 point on others.
Reward TypeReward Points
Reward TypeReward Points
Reward Redemption FeeRs. 49 plus taxes for redeeming 300 to 10,000 EDGE Reward Points; Rs. 99 plus taxes for >10,000 points.
Reward Redemption FeeRs. 99 (plus applicable taxes) per redemption request.

Travel & Lifestyle

Domestic Lounge Access
Domestic Lounge AccessNot Applicable
International Lounge Access
International Lounge AccessNot Applicable
Travel Benefits
Travel BenefitsNot Applicable
Movie Benefits
Movie BenefitsEarn 5 Reward Points on every Rs. 100 spent on movie tickets (5X Reward Points).
Dining Benefits
Dining BenefitsEarn 5 Reward Points on every Rs. 100 spent on dining (5X Reward Points).
Golf Benefits
Golf BenefitsNot Applicable
Fuel Surcharge Waiver1% fuel surcharge waiver on transactions between Rs. 400 and Rs. 4000, max Rs. 150/month.
Fuel Surcharge Waiver1% waiver up to Rs. 100 per billing cycle on transactions up to Rs. 4,000 at BPCL pumps.

Security & Other

Insurance Benefits
Insurance BenefitsNot Applicable
Cash Advance Charges
Cash Advance Charges2.5% of withdrawn amount, subject to a minimum charge of Rs. 500.
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Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

Axis Bank KWIK RuPay Credit Card

BPCL SBI Credit Card

Who is it for?

The Axis Bank KWIK RuPay Credit Card is a lifetime free offering designed for seamless UPI payments, integrating credit card benefits with everyday transactions. It provides an instant virtual card via the Kiwi app, allowing users to earn 2 EDGE Reward Points for every Rs. 200 spent on domestic and international transactions. This card is ideal for individuals seeking a no-fee credit card that excels in UPI-based spending and general shopping, even at small and rural merchants. While lacking premium travel or lounge benefits, its core value lies in convenience and consistent rewards.

Who is it for?

The BPCL SBI Card is an excellent entry-level credit card, co-branded with BPCL, ideal for everyday users. It offers significant value back on fuel purchases at BPCL stations, with a total of 4.25% value back, including a fuel surcharge waiver. Beyond fuel, cardholders benefit from accelerated reward points on common spending categories such as dining, groceries, departmental stores, and movies. This card provides practical savings on essential expenses with a nominal annual fee, making it a great choice for maximizing daily expenditures.

Pros

Key benefits and features.

It is a lifetime free credit card, with no joining or annual fees.

Cardholders receive a virtual credit card instantly upon approval via the Kiwi mobile app.

Offers seamless UPI transaction capability, allowing credit card use at merchants with QR codes.

Provides a decent reward rate of 2 EDGE RPs per Rs. 200 spent on domestic and international transactions.

Pros

Key benefits and features.

Offers great reward points and significant value back on fuel transactions at BPCL petrol pumps across India.

The BPCL SBI Card is highly accessible due to its competitive and low joining cost of just Rs. 499.

Provides attractive rewards on various everyday spending categories like groceries, dining, and movie tickets.

Cons

Key drawbacks and limitations.

Does not offer international or domestic lounge access.

Lacks specific benefits for travel, dining, movies, golf, or insurance.

Significant reward point exclusions on common spends like fuel and rent.

Cons

Key drawbacks and limitations.

Cardholders will not receive any complimentary domestic or international airport lounge access.

There are no specific insurance benefits or covers included as part of this credit card's offerings.

Reward points are not earned on transactions for mobile wallet uploads or fuel purchases outside BPCL stations.

How We Compare These Cards

Every comparison on CardsForYou is built from the same verified data set we use across the site - joining and renewal fees, reward rates, forex markup, lounge access, and insurance benefits - sourced directly from each issuer and refreshed regularly. We highlight the lower-cost option on fees automatically, but "best" always depends on your own spending pattern: a card that wins on annual fee may lose on reward rate for a heavy spender, and vice versa. Use the table above alongside your own typical monthly spend to judge real value, not just the headline numbers.

Ready to Choose?

Based on your comparison, select the credit card that best matches your spending habits and financial goals.
Apply for Axis Bank KWIK RuPay Credit Card(opens in new tab)Apply for BPCL SBI Credit Card(opens in new tab)