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BPCL SBI Card vs IndianOil Axis Bank Card

A head-to-head comparison of BPCL SBI Card and IndianOil Axis Bank Card across fees, rewards, and spending categories to help you decide which card suits your wallet better.

FuelCard A

BPCL SBI Card

Two-Wheeler Owners

Annual Fee
₹499
Reward Rate
4.25% Value Back
Apply Now Read full review →
FuelCard B

IndianOil Axis Bank Card

Fuel + Entertainment

Annual Fee
₹500
Reward Rate
4% Value Back
Apply Now Read full review →

Feature comparison

FeatureBPCL SBIIndianOil Axis
Annual Fee₹499 (Waived on ₹1L spend — increased from ₹50K effective May 2026)₹500 (Waived on ₹3.5L spend — revised April 2025)
Reward Rate4.25% Value Back4% Value Back
Best ForTwo-Wheeler OwnersFuel + Entertainment
First-Card Friendly
Lounge Access
Zero Forex Markup

Spending category coverage

Which categories does each card reward?

CategoryBPCL SBIIndianOil Axis
Fuel
Movies & entertainment
Fuel surcharge waiver

Quick verdict

Choose BPCL SBI Card if:

  • Lower annual fee (₹499 vs ₹500)

Choose IndianOil Axis Bank Card if:

  • You spend heavily on movies & entertainment

Full pros & cons

BPCL SBI Card

What's good
  • Low ₹499 annual fee, waivable on ₹1L annual spend (May 2026 revision)
  • 13X reward points on every BPCL fuel transaction
  • Fuel surcharge waiver at all BPCL outlets
Watch out for
  • Lower reward cap than the premium Octane variant
  • No lounge access or travel perks
Apply Now

IndianOil Axis Bank Card

What's good
  • Instant 10% discount on movie tickets via BookMyShow
  • Fuel surcharge waiver at IndianOil stations
Watch out for
  • Fuel rewards restricted to IndianOil stations only
  • Fee waiver threshold increased from ₹50K to ₹3.5L (April 2025) — significantly harder to achieve
  • Strict reward caps on entertainment and fuel categories
Apply Now
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