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Side-by-Side Comparison|Updated March 2026

BPCL SBI Card Octane vs Axis Bank Aura Credit Card

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

SBI Card

BPCL SBI Card Octane

9/10
Annual Fee₹1,499
Base Rewards0.25%
NetworkVisa
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Axis Bank

Axis Bank Aura Credit Card

7.2/10
Annual Fee₹749
Base Rewards0.2%
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Feature-by-Feature Comparison

FeatureBPCL SBI Card OctaneAxis Bank Aura Credit Card
Annual Fee₹1,499₹749
Joining Fee₹1,499₹749
Fee Waiver Spend₹2,00,000N/A
Base Reward Rate0.25%0.2%
Reward CurrencyReward PointsEDGE Reward Points
NetworkVisaVisa
Editor Rating9/107.2/10
Forex Markup3.5%3.5%

Accelerated Rewards

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

Axis Bank Aura Credit Card

  • 0% on Insurance

Pros & Cons

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.

Axis Bank Aura Credit Card

Pros

  • 4 complimentary video doctor consultations per month via Practo.
  • 4 free interactive video fitness sessions and 16 recorded sessions per month via Fitternity.
  • 5X accelerated EDGE reward points on insurance spends (up to ₹10,000 transaction).
  • Annual discount of up to ₹500 on health checkups via IndushealthPlus.

Cons

  • No annual fee waiver based on spending milestones.
  • Low base reward rate of 0.2% (2 points per ₹200 spent).
  • No complimentary domestic or international airport lounge access.

Our Verdict

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

Choose BPCL SBI Card Octane if

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

Choose Axis Bank Aura Credit Card if

Offers significant value through free doctor consultations and fitness sessions that outweigh the annual fee.

Frequently Asked Questions

Which is better: BPCL SBI Card Octane or Axis Bank Aura Credit Card?
BPCL SBI Card Octane edges ahead overall with a stronger combination of rewards and value. However, Axis Bank Aura Credit Card could be the better pick if its specific category strengths match your spending habits.
What is the annual fee difference between BPCL SBI Card Octane and Axis Bank Aura Credit Card?
BPCL SBI Card Octane has an annual fee of ₹1,499, while Axis Bank Aura Credit Card has an annual fee of ₹749. BPCL SBI Card Octane offers a fee waiver on ₹2,00,000 annual spend.
Which card has better rewards: BPCL SBI Card Octane or Axis Bank Aura Credit Card?
BPCL SBI Card Octane offers a base reward rate of 0.25% with accelerated rewards on BPCL Fuel & Lubricants and Dining, Groceries, Movies, .... Axis Bank Aura Credit Card offers 0.2% base rewards with bonuses on Insurance. The better choice depends on your primary spending categories.
Can I have both BPCL SBI Card Octane and Axis Bank Aura Credit Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. BPCL SBI Card Octane and Axis Bank Aura Credit Card can complement each other if they cover different reward categories.
Which card is better for beginners: BPCL SBI Card Octane or Axis Bank Aura Credit Card?
For beginners, Axis Bank Aura Credit Card may be more approachable with a lower annual fee of ₹749. However, evaluate based on your expected spending pattern rather than fee alone.

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