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SBI BPCL vs Axis IndianOil RuPay
Which credit card is better for you? Fees, rewards & charges side by side.
| 
| |
|---|---|---|
| Apply Now → | Apply Now → | |
| Annual fee | ₹499 | ₹500 |
| Joining fee | ₹499 | ₹500 |
| Our rating | ★ 4.0 | ★ 3.9 |
| Rewards | Up to 4.25% on BPCL fuel | 1% – 4% value back |
| Best for | Daily commuters who fill up at BPCL | Bike and car owners who fill up at IndianOil |
| Top benefits | ⛽ 4.25% back 🛒 5X points 🎁 2,000 points | ⛽ 4% back 🛒 1% back 🎬 10% off |
| Lounge access | None | None |
| Fee waiver | Annual fee reversed on ₹1 lakh yearly spend | Annual fee waived on ₹3.5 lakh yearly spend |
| Min. income | ₹20,000/month | ₹3 lakh/year |
| Credit score | 720+ | 720+ |
| Forex markup | 3.5% | 3.5% |
| Interest | 3.75%/month (45% p.a.) | 3.75%/month (45% p.a.) |
| Cash withdrawal | 2.5% (min ₹500) | 2.5% (min ₹500) |
| Late fee | ₹0 – ₹1,300 by bill amount | ₹0 – ₹1,300 by bill amount |
| Apply Now → | Apply Now → |
Quick verdict
The SBI BPCL Credit Card is ₹499 a year and gives Up to 4.25% on BPCL fuel. The Axis IndianOil RuPay Credit Card is ₹500 a year and gives 1% – 4% value back. The SBI BPCL is cheaper to keep. Our rating: SBI BPCL ★ 4.0, Axis IndianOil RuPay ★ 3.9.
Choose…
- SBI BPCL if you are: daily commuters who fill up at BPCL. 4.25% back at BPCL pumps · 5X points dining, grocery, movies · 2,000 points welcome gift (₹500).
- Axis IndianOil RuPay if you are: bike and car owners who fill up at IndianOil. 4% back at IndianOil pumps · 1% back on online shopping · 10% off BookMyShow movies.
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