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Side-by-Side Comparison|Updated March 2026

Axis Bank Signature Credit Card vs BPCL SBI Card Octane

Detailed comparison of fees, rewards, benefits, and value to help you choose the right credit card for your spending pattern.

Axis Bank

Axis Bank Signature Credit Card

7.5/10
Annual Fee₹5,000
Base Rewards1%
NetworkVisa
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SBI Card

BPCL SBI Card Octane

9/10
Annual Fee₹1,499
Base Rewards0.25%
NetworkVisa
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Feature-by-Feature Comparison

FeatureAxis Bank Signature Credit CardBPCL SBI Card Octane
Annual Fee₹5,000₹1,499
Joining Fee₹5,000₹1,499
Fee Waiver Spend₹3,00,000₹2,00,000
Base Reward Rate1%0.25%
Reward CurrencyEDGE REWARD PointsReward Points
NetworkVisaVisa
Editor Rating7.5/109/10
Forex Markup3.5%3.5%

Accelerated Rewards

Axis Bank Signature Credit Card

  • 2% on TRAVEL

BPCL SBI Card Octane

  • 0% on BPCL Fuel & Lubricants — 2500 pts/month
  • 0% on Dining, Groceries, Movies, ... — 7500 pts/month
  • 0% on Bharat Gas (Website/App) — 2500 pts/month

Pros & Cons

Axis Bank Signature Credit Card

Pros

  • High reward rate of 10 EDGE points per ₹200 spent on domestic transactions
  • Accelerated 2x rewards (20 points per ₹200) on all international spends
  • Substantial 50% discount on movie tickets via BookMyShow (up to ₹300 per month)
  • Comprehensive travel insurance including ₹2.5 Crore Air Accident Cover

Cons

  • High annual fee of ₹5,000 with a relatively high waiver threshold of ₹3 Lakhs
  • International lounge visits are not complimentary by default on the Priority Pass
  • Reward point value is relatively low at ₹0.20 per point compared to competitors

BPCL SBI Card Octane

Pros

  • Industry-leading 7.25% value back on BPCL fuel spends (6.25% rewards + 1% surcharge waiver).
  • Accelerated 10X rewards on daily essentials like groceries, dining, and movies.
  • Welcome bonus of 6,000 points effectively offsets the joining fee.
  • Complimentary domestic lounge access (4 visits per year).

Cons

  • Reward points on fuel are capped at 2,500 per month.
  • Base reward rate is low at 0.25% for non-accelerated categories.
  • Reward redemption fee of ₹99 applies to every request.

Our Verdict

BPCL SBI Card Octane edges ahead overall with a stronger combination of rewards and value. However, Axis Bank Signature Credit Card could be the better pick if its specific category strengths match your spending habits.

Choose Axis Bank Signature Credit Card if

Users who travel internationally and can benefit from the 2x reward multiplier and insurance covers.

Choose BPCL SBI Card Octane if

Best-in-class savings for those spending ₹10,000+ monthly on fuel at BPCL outlets.

Frequently Asked Questions

Which is better: Axis Bank Signature Credit Card or BPCL SBI Card Octane?
BPCL SBI Card Octane edges ahead overall with a stronger combination of rewards and value. However, Axis Bank Signature Credit Card could be the better pick if its specific category strengths match your spending habits.
What is the annual fee difference between Axis Bank Signature Credit Card and BPCL SBI Card Octane?
Axis Bank Signature Credit Card has an annual fee of ₹5,000, while BPCL SBI Card Octane has an annual fee of ₹1,499. Axis Bank Signature Credit Card offers a fee waiver on ₹3,00,000 annual spend. BPCL SBI Card Octane offers a fee waiver on ₹2,00,000 annual spend.
Which card has better rewards: Axis Bank Signature Credit Card or BPCL SBI Card Octane?
Axis Bank Signature Credit Card offers a base reward rate of 1% with accelerated rewards on TRAVEL. BPCL SBI Card Octane offers 0.25% base rewards with bonuses on BPCL Fuel & Lubricants and Dining, Groceries, Movies, .... The better choice depends on your primary spending categories.
Can I have both Axis Bank Signature Credit Card and BPCL SBI Card Octane?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. Axis Bank Signature Credit Card and BPCL SBI Card Octane can complement each other if they cover different reward categories.
Which card is better for beginners: Axis Bank Signature Credit Card or BPCL SBI Card Octane?
For beginners, BPCL SBI Card Octane may be more approachable with a lower annual fee of ₹1,499. However, evaluate based on your expected spending pattern rather than fee alone.

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