BPCL SBI Card Octane Vs. IndianOil Axis Bank RuPay Credit Card

BPCL SBI Card Octane

BPCL SBI Card Octane

IndianOil Axis Bank RuPay Credit Card

IndianOil Axis Bank RuPay Credit Card

Comparison of BPCL SBI Card Octane and IndianOil Axis Bank RuPay Credit Card

Feature	BPCL SBI Card Octane	IndianOil Axis Bank RuPay Credit Card
Annual Fee	₹0	1st Year: Nil; 2nd Year onwards: ₹500 + GST (waived on ₹3.5 lakh annual spends)
Joining Fee	₹1,499 + GST	₹500 + GST
Welcome Benefits	6,000 bonus Reward Points upon fee payment	1,250 EDGE Reward Points worth ₹250 on first fuel transaction
Interest Rate (APR)	N/A	N/A
Foreign Currency Markup	N/A	N/A
Key Highlights	•Exceptional Fuel Rewards •Premium Travel Access •Milestone Privileges •Fee Reversal Advantage •Generous Welcome Offer	•Fuel Rewards •Welcome Benefit •Movie Discount •Dining Benefits •Online Shopping Rewards •Fuel Surcharge Waiver •Annual Fee Waiver
Dos	Use the card exclusively at BPCL petrol stations for the maximum 7.25% value back on fuel and related products Pay your credit card bill on time to maintain a good credit profile and prevent interest charges on the outstanding balance Track your spending to reach the ₹2,00,000 annual threshold for the renewal fee reversal Opt for Flexipay or Balance Transfer on EMI on eligible large purchases to manage expenses in easy monthly instalments Redeem your reward points instantly at BPCL pumps to directly reduce your fuel expenditure	Use the card for online purchases to maximise 10X reward points Pay your credit card bill on time to avoid interest Track your reward points and redeem them Opt for Flexipay or EMI on high-value purchases if needed Keep your card in a safe place and use contactless payments when possible
Don'ts	Avoid non-BPCL fuel spends, as they only accrue the standard 1X Reward Point rate and do not benefit from the surcharge waiver Do not use the card for mobile wallet uploads, as this category is excluded from earning standard reward points Miss the opportunity to utilise the 4 complimentary domestic lounge visits by tracking the maximum one-per-quarter allowance Ignore transaction alerts or delay reporting a lost card, which could compromise the protection provided by the Fraud Liability Cover Share card details or PIN with any untrusted sources or personnel at a retail outlet	Avoid overspending beyond your repayment capacity Do not miss the minimum payment Ignore transaction alerts; they help prevent fraud Share card details with untrusted sources Use the card for cash advances unless necessary

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