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Comparison · हिन्दी

IndianOil Axis vs BPCL SBI Card

Both cards compared on real rupee returns for best fuel credit card India Indian Oil vs BPCL. We ran the numbers so you can make the right call.

Last updated: · Based on current card terms
AXIS
INDIANOIL
ASHOK KUMAR
VS
SBI
BPCL
ASHOK KUMAR
Our verdict
BPCL SBI Credit Card wins for most people
BPCL SBI Card wins with ₹2,711 annual benefit versus IndianOil Axis's ₹2,236. Superior rewards on fuel, dining, and groceries make it the clear choice for this spend profile.
Side-by-side comparison
IndianOil Axis Bank Credit Card BPCL SBI Credit Card ✓
Annual benefit ₹2,236 ₹2,711
Annual feeThe yearly fee a bank charges for holding the card, often waived if you spend enough in a year.Full definition → ₹500 + taxes (waived on ₹3,50,000/year spend) ₹499 + taxes (waived on ₹50,000 annual spend)
Reward rateCashback pays you directly in rupees; reward points need converting first, and their real value depends on the redemption ratio.Full definition → 4% value back on IOCL fuel (20 EDGE points/₹100, capped ₹5,000/month); 1% on online shopping; 1% fuel surcharge waiver 4.25% value back on BPCL fuel (13 reward points per ₹100, capped at 1,300 points a cycle, plus a 1% fuel surcharge waiver); 5 points per ₹100 (1.25%) on groceries, departmental stores, movies and dining, up to 5,000 points a month; 1 point per ₹100 (0.25%) on other spends; 4 points = ₹1 of free fuel
Lounge accessFree entry to airport lounges, usually limited to a set number of visits per quarter or year.Full definition → None on standard variant No
Forex markupThe extra fee your bank adds on top of the real exchange rate for any spend in a foreign currency.Full definition → 3.5% 3.5%
Best for Regular Indian Oil fuel users wanting best cashback at IOCL pumps BPCL fuel station regulars
Min. incomeThe minimum income, credit score, and other conditions a bank requires before approving your application.Full definition → ₹15,000/month (salaried) ₹3L+ per year
Credit scoreYour 3-digit credit score (300-900), higher scores make approval easier and can unlock better cards.Full definition → 700+ 700+
Apply now ↗ Full review →
Apply now ↗ Full review →
When each card wins
IndianOil Axis Bank Credit Card
IndianOil Axis excels if you exclusively fuel at IOCL pumps and want maximum fuel cashback capped at ₹5,000/month. It's better only for dedicated IOCL customers.
BPCL SBI Credit Card
BPCL SBI Card dominates across your actual spend—delivering 4.25% fuel value back at BPCL, strong dining/grocery rewards, and lower effective fees. Choose this for balanced rewards.
Who should get which card
Get IndianOil Axis Bank if you…
· Exclusive IOCL fuel station users
· Those prioritizing maximum single-category rewards
· Customers spending ₹3,50,000+ annually (waive fees)
Get BPCL SBI if you…
· Regular BPCL fuel station visitors
· Frequent diners and grocers (1.25% rewards)
· Budget-conscious cardholders (₹50,000 waiver threshold)
· Those seeking diversified rewards across categories
Partner offer
RBL Bank IndianOil XTRA Credit Card
Heavy IndianOil fuel spenders who will redeem points at IndianOil pumps, not those wanting flexible cashback
Apply now →
RBL
ASHOK KUMAR

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Frequently asked questions
Based on our analysis, BPCL SBI Credit Card offers better annual returns for most spend profiles.
IndianOil Axis Bank Credit Card has an annual fee of ₹500 + taxes (waived on ₹3,50,000/year spend). BPCL SBI Credit Card has an annual fee of ₹499 + taxes (waived on ₹50,000 annual spend).
IndianOil Axis Bank Credit Card offers 4% value back on IOCL fuel (20 EDGE points/₹100, capped ₹5,000/month); 1% on online shopping; 1% fuel surcharge waiver. BPCL SBI Credit Card offers 4.25% value back on BPCL fuel (13 reward points per ₹100, capped at 1,300 points a cycle, plus a 1% fuel surcharge waiver); 5 points per ₹100 (1.25%) on groceries, departmental stores, movies and dining, up to 5,000 points a month; 1 point per ₹100 (0.25%) on other spends; 4 points = ₹1 of free fuel.
IndianOil Axis Bank Credit Card lounge access: None on standard variant. BPCL SBI Credit Card lounge access: No.
IndianOil Axis Bank Credit Card charges 3.5% forex markup. BPCL SBI Credit Card charges 3.5% forex markup.