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BPCL SBI Card OCTANE vs IndianOil Axis Bank Card

A head-to-head comparison of BPCL SBI Card OCTANE 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 OCTANE

Heavy Commuters

Annual Fee
₹1,499
Reward Rate
7.25% 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₹1,499 (Waived on ₹2L spend)₹500 (Waived on ₹3.5L spend — revised April 2025)
Reward Rate7.25% Value Back4% Value Back
Best ForHeavy CommutersFuel + 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 OCTANE if:

    Choose IndianOil Axis Bank Card if:

    • Lower annual fee (₹500 vs ₹1,499)
    • You spend heavily on movies & entertainment
    • This is your first credit card

    Full pros & cons

    BPCL SBI Card OCTANE

    What's good
    • Highest fuel reward rate in India at 7.25% value back
    • Includes 1% fuel surcharge waiver
    • Accelerated rewards on groceries and dining spends too
    Watch out for
    • Rewards restricted exclusively to BPCL petrol pumps
    • High annual fee for a fuel-focused card
    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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