IndianOil RBL Bank Credit Card vs BPCL SBI Octane 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
₹500 + GST
₹1,499 + GST
₹1,000 + GST
Renewal Fee
₹500 + GST
₹1,499 + GST
₹1,000 + GST
Spend Based Waiver
Annual Fee waived on spends of ₹1.75 Lakh in a year.
Renewal fee waived if annual spends for the preceding year are ₹2,00,000 or more.
Annual fee of ₹1,000 + GST waived on spends of ₹1,00,000 and above in an anniversary year.
Foreign Transaction Fees
3.5% markup on international spends.
3.5% of the transaction amount is charged as foreign currency markup.
3.50% of transaction value for foreign currency spends.
Interest Rate (APR)
2.5% to 3.99% Per Month on outstanding balances.
3.75% per month (equivalent to 45% per annum) on outstanding balances.
3.75% Per Month (55.55% Per Annum) on outstanding balances.
Rewards & Benefits
Welcome Bonus
1,000 Fuel Points
Get 6,000 bonus reward points (worth ₹1,500) on payment of the annual fees, credited within 30 days.
Enjoy 500 EDGE Miles on your first spend within 30 days of card issuance.
Rewards Rate
Earn 10 Fuel Points/₹100 on IndianOil fuel, 1 Fuel Point/₹100 on other spends.
Earn 25 RPs on ₹100 at BPCL fuel; 10 RPs on ₹100 for Dining/Movies/Grocery; 1 RP on ₹100 general.
Earn 6 EDGE Miles on every ₹150 spent at IOCL fuel outlets (up to ₹15k/month) & 2 EDGE Miles on groceries (up to ₹5k/month).
Reward Type
Reward Points
Reward Points
Reward Points
Reward Redemption Fee
₹99 + GST applies for redemption of reward points.
₹99 + taxes per redemption request, waived for instant redemption at BPCL fuel stations.
Nil charges for redeeming EDGE Miles.
Travel & Lifestyle
Domestic Lounge Access
Not Applicable
4 complimentary visits per calendar year to Domestic VISA lounges, limited to 1 visit per quarter.
Enjoy 2 complimentary domestic lounge visits per quarter (8 annually) by spending ₹50,000 in the prior 3 months.
International Lounge Access
Not Applicable
Not Applicable
Travel Benefits
Not Applicable
Enjoy 4 complimentary domestic airport lounge accesses annually (1 per quarter) for convenient travel.
Offers spend-based domestic lounge access and instant savings on flights & hotels via MakeMyTrip.
Movie Benefits
Not Applicable
Earn 10 Reward Points on every ₹100 spent on movies, capped at 7,500 RPs per month.
Not Applicable
Dining Benefits
Not Applicable
Earn 10 Reward Points on every ₹100 spent on dining, capped at 7,500 RPs per month.
Enjoy 30% off on Zomato (up to ₹150, 2 times/month) & up to 25% off (max ₹800) via Eazydiner.
Golf Benefits
Not Applicable
Not Applicable
Fuel Surcharge Waiver
1% fuel surcharge waiver.
1% fuel surcharge waiver up to ₹100/cycle on transactions up to ₹4,000 at BPCL.
1% fuel surcharge waiver (unlimited) at IOCL fuel outlets (GST on surcharge non-refundable).
Security & Other
Insurance Benefits
Not Applicable
Complimentary Fraud Liability Cover of ₹1 Lakh, valid for 3 days prior to reporting loss.
Not Applicable
Cash Advance Charges
2.5% or a Minimum of ₹500 for cash withdrawals.
2.5% of withdrawn amount, with a minimum charge of ₹500, applies to cash advances.
2.5% of withdrawn amount (minimum ₹500) for cash advances.