vs
In short: BPCL SBI has the lower annual fee (₹499 vs ₹500); both charge a 3.5% forex markup.
| Key facts | Axis My Zone | BPCL SBI |
|---|---|---|
| Annual fee | ₹500 | ₹499 |
| Joining fee | ₹500 | ₹499 |
| Annual fee waived | Not listed | On ₹50,000 annual spend |
| Top reward rate | 4 reward points For Every ₹200 | 13 Reward Points on Fuel Purchases at BPCL Petrol Pumps |
| Base rewards | 4 reward points For Every ₹200 | 1 Reward Points on Non-Fuel Retail Purchases. |
| Lounge access | 1 airport lounge visit a quarter | Not listed |
| Forex markup | 3.5% | 3.5% |
From issuer benefit data, checked 4 Nov 2026. Milestones, welcome benefits and caps are in the full table below.
On ₹20,000 a month with ₹5,000 at each card's top rate, BPCL SBI returns about ₹1,441 more a year after annual fees (₹2,400 vs ₹960 in rewards).
| Spend profile | Axis My Zone | BPCL SBI |
|---|---|---|
| Reward value: top rate / base rate | 0.4% / 0.4% | 3.25% / 0.25% |
| ₹20,000 a month, all general spends | ₹960 | ₹600 |
| ₹20,000 a month, ₹5,000 of it at each card's top rate | ₹960 | ₹2,400 |
| Annual fee | ₹500 | ₹499 |
Estimates from the earn rates above, with stated cashback caps applied, before exclusions. Reward points are valued at the card's best listed redemption (often travel or vouchers via the bank's portal); cash-back on the statement is usually worth less. Annual fees may be waived on spend (see the table below).
The Axis Bank My Zone Credit Card and the BPCL SBI Card Visa Platinum Credit Card both cater to different spending habits and reward preferences. Axis Bank My Zone offers a flat reward rate with entertainment-related benefits, while the BPCL SBI Card focuses heavily on fuel purchases with accelerated rewards and a welcome bonus. Both cards charge similar joining and renewal fees and have a 3.5% forex markup, but their rewards structures and fee waivers differ notably.
Comparison notes and quick badges use AI, grounded in the benefit data shown in the table. Confirm details on each issuer’s site.
Last updated:
| Feature | Axis Bank My Zone Credit Card | Bpcl Sbi Card Visa Platinum Credit Card |
|---|---|---|
| Bank | Axis Bank | SBI Cards |
| Network | Visa | Visa |
| Joining fee | Joining Fee of Rs. 500 | Joining Fee of Rs.499 |
| Annual / renewal fee | Second Year Onwards Annual Fee of Rs.500 | Renewal Fee of Rs.499 |
| Annual fee waiver | — | Spend Rs.50000 For Waiver of Renewal Fee |
| Top reward rate | Earn 4 Rewards Points For Every Rs.200 | 13 Reward Points on Fuel Purchases at BPCL Petrol Pumps |
| Base rate (other spends) | — | Earn 1 Reward Points on Non-Fuel Retail Purchases. |
| Lounge — domestic | 1 Complimentary Airport Lounge Access Per Quarter | — |
| Fuel surcharge waiver | 1% Fuel Surcharge Waiver | 1% Fuel surcharge waiver on every BPCL transaction |
| Welcome benefit | Complimentary Sony LIV Premium Annual Subscription | Welcome Benefit - Get 2000 Activation Bonus Reward Points |
| Milestone benefit | SonyLIV Premium Membership Renewal on Spending 1.5 lakhs | — |
| Foreign currency markup | 3.5% - Foreign Currency Transactions | 3.5% - Foreign Currency Transactions |
When it comes to rewards, the BPCL SBI Card Visa Platinum Credit Card clearly leads with its top reward rate of 13 points on fuel purchases at BPCL petrol pumps, translating to a value back of about 3.25%. It also offers 5 points on dining, grocery, movies, and departmental stores, plus 1 point on travel and other retail spends. In contrast, the Axis Bank My Zone Credit Card provides a flat 4 reward points per Rs.200 spent, equivalent to 0.4%, with no category acceleration. At Rs.20,000 monthly spending, the BPCL SBI Card yields roughly Rs.2,400 annually in rewards, compared to Rs.960 on the Axis card. This makes the BPCL SBI Card better for maximizing rewards, especially for fuel and lifestyle spends.
The Axis Bank My Zone Credit Card offers one complimentary domestic airport lounge access per quarter, which can be a useful benefit for occasional travelers. Lounge access details are not listed in our data for the BPCL SBI Card Visa Platinum Credit Card. Both cards have a 3.5% forex markup, which is on the higher side for international travel. Overall, the Axis Bank My Zone card slightly edges out for travel convenience due to its quarterly lounge access.
Both cards have comparable joining and renewal fees around Rs.500, with the BPCL SBI Card offering a renewal fee waiver if you spend Rs.50,000 annually. Fee waiver details are not listed in our data for the Axis Bank My Zone Credit Card. Both cards charge a 3.5% forex markup and have a 1% fuel surcharge waiver, though the BPCL SBI Card's waiver applies specifically to BPCL fuel transactions. Considering fee waivers and fuel surcharge benefits, the BPCL SBI Card may offer better cost efficiency for regular BPCL fuel buyers.
While both cards offer a 1% fuel surcharge waiver, the BPCL SBI Card's waiver applies exclusively to BPCL fuel transactions, potentially benefiting regular BPCL customers more. The Axis Bank My Zone card offers a general 1% waiver on all fuel transactions without brand restrictions.
Axis Bank My Zone Credit Card rewards convert at Rs.0.20 per reward point, which is consistent across spends. The BPCL SBI Card's reward points have a value back of about 3.25% on fuel purchases, making its redemption value higher in its top categories.
Consider Axis Bank My Zone Credit Card if you prefer a straightforward flat rewards rate on all spends and value entertainment benefits like a complimentary Sony LIV Premium subscription. It is also suitable if you want some domestic airport lounge access and a simple fee structure.
Consider Bpcl Sbi Card Visa Platinum Credit Card if you frequently purchase fuel at BPCL petrol pumps and want accelerated rewards on fuel and lifestyle categories such as dining, groceries, and movies. This card is also a good choice if you want a welcome bonus of 2000 reward points and the possibility of a renewal fee waiver by spending Rs.50,000 annually.
Axis Bank My Zone Credit Card charges Rs.500 as joining and renewal fees. Bpcl Sbi Card Visa Platinum Credit Card charges Rs.499 for both, with a renewal fee waiver if you spend Rs.50,000 annually.
Axis Bank My Zone Credit Card offers 1 complimentary domestic airport lounge access per quarter. Lounge access details are not listed in our data for the BPCL SBI Card Visa Platinum Credit Card.
Both cards charge a 3.5% forex markup on foreign currency transactions.
The BPCL SBI Card Visa Platinum Credit Card offers 13 reward points on fuel purchases at BPCL petrol pumps, which is significantly higher than the Axis Bank My Zone Credit Card's flat rate of 4 points per Rs.200 spent.
Axis Bank My Zone Credit Card provides a complimentary Sony LIV Premium annual subscription. The BPCL SBI Card Visa Platinum Credit Card offers 2000 activation bonus reward points.