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Side-by-Side Comparison|Updated March 2026

BPCL SBI Card Octane vs Axis Bank Vistara Infinite 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%
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Axis Bank

Axis Bank Vistara Infinite Credit Card

9/10
Annual Fee₹10,000
Base Rewards3%
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Feature-by-Feature Comparison

FeatureBPCL SBI Card OctaneAxis Bank Vistara Infinite Credit Card
Annual Fee₹1,499₹10,000
Joining Fee₹1,499₹10,000
Fee Waiver Spend₹2,00,000N/A
Base Reward Rate0.25%3%
Reward CurrencyReward PointsMaharaja Club Points
NetworkVisaVisa
Editor Rating9/109/10
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 Vistara Infinite Credit Card

  • 0% on Vistara/Air India Bookings

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 Vistara Infinite Credit Card

Pros

  • Complimentary Business Class ticket voucher on joining and every renewal.
  • Complimentary Maharaja Club Gold membership for the first year with priority perks.
  • Highly rewarding milestone program offering up to 4 additional Business Class tickets.
  • 6 Maharaja Club points for every ₹200 spent on all eligible categories.

Cons

  • High annual fee of ₹10,000 with no spend-based waiver option.
  • Domestic lounge access requires a minimum spend of ₹50,000 in the previous 3 months.
  • Extensive list of excluded categories for rewards including fuel, utilities, and insurance.

Our Verdict

Axis Bank Vistara Infinite Credit Card edges ahead overall with a stronger combination of rewards and value. However, BPCL SBI Card Octane 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 Vistara Infinite Credit Card if

The card provides immediate value through Business Class vouchers and Gold tier status on Air India/Vistara.

Frequently Asked Questions

Which is better: BPCL SBI Card Octane or Axis Bank Vistara Infinite Credit Card?
Axis Bank Vistara Infinite Credit Card edges ahead overall with a stronger combination of rewards and value. However, BPCL SBI Card Octane 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 Vistara Infinite Credit Card?
BPCL SBI Card Octane has an annual fee of ₹1,499, while Axis Bank Vistara Infinite Credit Card has an annual fee of ₹10,000. 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 Vistara Infinite 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 Vistara Infinite Credit Card offers 3% base rewards with bonuses on Vistara/Air India Bookings. The better choice depends on your primary spending categories.
Can I have both BPCL SBI Card Octane and Axis Bank Vistara Infinite Credit Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. BPCL SBI Card Octane and Axis Bank Vistara Infinite 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 Vistara Infinite Credit Card?
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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