BPCL SBI Octane Credit Card vs BPCL SBI Credit Card vs IndianOil Axis Bank Premium Credit Card
A detailed, side-by-side look at 3 leading credit cards. Analyze the features that matter most to you and make an informed choice.
Fees & Charges
Joining Fee
Rs. 1,499 + GST
₹499 + GST
₹1000 + GST
Renewal Fee
Rs. 1,499 + GST
₹499 + GST
₹1000 + GST
Spend Based Waiver
Renewal fee waived off on annual expenditure of ₹2 Lakh in the previous year.
Annual renewal fee waived off on spending a minimum of ₹50,000 in the preceding year.
Annual fee waived on spends of ₹1,00,000 and above in an anniversary year (excluding rent, wallet, insurance).
Foreign Transaction Fees
3.5% of the transaction amount.
3.5% of the transaction amount.
3.50% of transaction value; 1.5% + GST for Dynamic Currency Conversion markup.
Interest Rate (APR)
3.75% per month (equivalent to 45% per annum).
3.75% Per Month (45% Per Annum).
3.75% Per Month (55.55% Per Annum) finance charges apply.
Rewards & Benefits
Welcome Bonus
Receive 6,000 bonus Reward Points (worth ₹1,500) upon annual fee realization and renewal.
Receive 2,000 Activation Bonus Reward Points, equivalent to ₹500, upon joining fee payment.
Enjoy 500 EDGE Miles on your first spend within 30 days of card issuance.
Rewards Rate
Up to 7.25% value back on BPCL fuel (25 RPs/₹100). 10 RPs/₹100 on dining, movies, groceries.
Earn 13X on BPCL fuel (3.25%), 5X on dining, movies, groceries & departmental stores (1.25%).
Earn 6 EDGE Miles on ₹150 spent at IOCL (up to ₹15k/month) & 2 EDGE Miles on ₹150 for groceries (up to ₹5k/month).
Reward Type
Reward Points
Reward Points
Reward Points
Reward Redemption Fee
₹99 (plus taxes) per request, waived for fuel redemption at BPCL petrol pumps.
₹99 plus applicable taxes per redemption request.
Nil
Travel & Lifestyle
Domestic Lounge Access
4 complimentary accesses to domestic airport lounges annually, limited to 1 per quarter.
Not Applicable
2 complimentary lounge accesses per quarter at domestic airports on spending ₹50,000 in previous 3 months.
International Lounge Access
No complimentary international lounge access is provided with this card.
Not Applicable
Not Applicable
Travel Benefits
Includes 4 complimentary domestic lounge accesses annually. Best for frequent road trippers.
Not Applicable
Enjoy up to 15% savings on flights & hotels via MakeMyTrip every Wednesday.
Movie Benefits
Earn 10 Reward Points for every ₹100 spent on movie tickets.
Earn 5X Reward Points (1.25% reward rate) on movie spends, capped at 5,000 points monthly.
Not Applicable
Dining Benefits
Earn 10 Reward Points for every ₹100 spent on dining.
Earn 5X Reward Points (1.25% reward rate) on dining spends, capped at 5,000 points monthly.
Get 30% off on Zomato food delivery (up to ₹150, twice a month) & up to 25% off via Dining Delights.
Golf Benefits
No golf benefits are offered with this card.
Not Applicable
Not Applicable
Fuel Surcharge Waiver
1% waiver on fuel transactions up to ₹4,000 (max ₹100/month) at all pumps.
1% waiver on fuel transactions up to ₹4,000, capped at ₹100 per month.
1% surcharge waiver on fuel at all IOCL outlets; GST on fuel surcharge is non-refundable.
Security & Other
Insurance Benefits
Complimentary Fraud Liability Cover of ₹1 Lakh is included.
Not Applicable
Not Applicable
Cash Advance Charges
2.5% of withdrawn amount, minimum ₹500.
2.5% of withdrawn amount, subject to a minimum charge of ₹500.
2.5% on amount withdrawn (Minimum ₹500).