Axis Bank Shoppers Stop Credit Card vs BPCL SBI Card Octane Visa Credit Card: Which is Better in 2026?
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In short: Axis Shoppers Stop has the lower annual fee (₹500 vs ₹1,499); both charge a 3.5% forex markup.
| Key facts | Axis Shoppers Stop | BPCL SBI Octane |
|---|---|---|
| Annual fee | ₹500 | ₹1,499 |
| Joining fee | ₹500 | ₹1,499 |
| Annual fee waived | On ₹1 lakh annual spend | On ₹2 lakh annual spend |
| Top reward rate | 20 First Citizen Reward Points per ₹200 spent on Shoppers Stop Exclusive Brands | 25X Reward Points on Fuel Purchases at BPCL Petrol Pumps. |
| Base rewards | 2 First Citizen points on Every ₹200 | 1 Reward Point Per ₹100 Spent on Other Retail Purchases |
| Lounge access | Not listed | 4 airport lounge visits a year |
| Forex markup | 3.5% | 3.5% |
From issuer benefit data, checked 24 Oct 2026. Milestones, welcome benefits and caps are in the full table below.
Axis Bank Shoppers Stop Credit Card lists a lower headline annual fee in our data (around ₹999 apart), before waivers. Bpcl Sbi Card Octane Visa Credit Card shows a stronger headline earn rate in the first reward band we surface. Bpcl Sbi Card Octane Visa Credit Card currently has more lounge detail available from the issuer data we index. Always confirm current fees and offers on the issuer’s site before you apply.
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| Feature | Axis Bank Shoppers Stop Credit Card | Bpcl Sbi Card Octane Visa Credit Card |
|---|---|---|
| Bank | Axis Bank | SBI Cards |
| Network | MasterCard | Visa |
| Joining fee | Joining Fee of Rs.500 | Joining Fee of Rs.1499 |
| Annual / renewal fee | Annual Fee - Rs.500 | Renewal Fee of Rs.1499 |
| Annual fee waiver | Spend Rs.1 Lakhs For Annual Fee Waiver | Spend Rs.2 Lakhs For Waiver of Renewal Fee |
| Top reward rate | Earn 20 First Citizen Reward Points per Rs.200 spent on Shoppers Stop Exclusive Brands | 25X Reward Points on Fuel Purchases at BPCL Petrol Pumps. |
| Base rate (other spends) | Earn 2 First Citizen points on Every Rs.200 | Earn 1 Reward Point Per Rs.100 Spent on Other Retail Purchases |
| Lounge — domestic | — | 4 Complimentary Airport Lounge Access Per Calendar Year |
| Fuel surcharge waiver | 1% Fuel Surcharge Waiver | 1% Fuel surcharge waiver on every BPCL transaction |
| Welcome benefit | Enjoy First Citizen Reward Points Worth Rs.300 | Get 6000 Bonus Reward Points on Payment of Annual Fees |
| Milestone benefit | — | E-Gift Vouchers Worth Rs 2000 on Spend of Rs.3 Lakhs |
| Foreign currency markup | 3.50% - Foreign Currency Transactions | 3.5% - Foreign Currency Transactions |
Which is better for rewards?
Bpcl Sbi Card Octane Visa Credit Card shows a higher headline earn signal in the reward summaries we index (25X Reward Points on Fuel Purchases at BPCL Petrol Pumps. vs Earn 20 First Citizen Reward Points per Rs.200 spent on Shoppers Stop Exclusive Brands). If you optimise for points or cashback on daily spend, start with that card’s reward bands — then model redemptions you actually use.
Which is better for travel?
Bpcl Sbi Card Octane Visa Credit Card has richer lounge-related fields in our current benefits extract (domestic: 4 Complimentary Airport Lounge Access Per Calendar Year; international: —). Frequent flyers should still confirm guest access, visit limits and participating airports with the issuer.
Which has lower effective cost?
Axis Bank Shoppers Stop Credit Card appears cheaper on headline renewal fee in our data before waivers. If you are fee-sensitive, also read the waiver rules in the table — a higher sticker fee can still be net-negative cost if you naturally clear spend thresholds.
Who should pick Axis Bank Shoppers Stop Credit Card?
Consider Axis Bank Shoppers Stop Credit Card if you already bank with Axis Bank, and the fee, waiver and earn rows above line up with how you spend each month. Use CardChat on that card for deeper, personalised follow-ups.
Who should pick Bpcl Sbi Card Octane Visa Credit Card?
Consider Bpcl Sbi Card Octane Visa Credit Card if you already bank with SBI Cards, and the fee, waiver and earn rows above line up with how you spend each month. Use CardChat on that card for deeper, personalised follow-ups.
Frequently Asked Questions
From the lounge fields in our benefit data: Bpcl Sbi Card Octane Visa Credit Card — domestic: 4 Complimentary Airport Lounge Access Per Calendar Year; international: —. Axis Bank Shoppers Stop Credit Card — domestic: —; international: —. Guest rules, networks and visit caps change — confirm on the Axis Bank and SBI Cards websites before you travel.
From the renewal-fee lines we index, the headline amounts are about ₹500 vs ₹1,499 per year before taxes and waivers. Campaigns and customer-specific pricing differ — use the comparison table and the Axis Bank and SBI Cards websites for the final number.
On the first reward band we surface, Bpcl Sbi Card Octane Visa Credit Card shows a stronger headline earn (25X Reward Points on Fuel Purchases at BPCL Petrol Pumps. vs Earn 20 First Citizen Reward Points per Rs.200 spent on Shoppers Stop Exclusive Brands). Category bonuses, caps and redemption value decide real-world returns — map this to where you actually spend.
Axis Bank Shoppers Stop Credit Card: Spend Rs.1 Lakhs For Annual Fee Waiver Bpcl Sbi Card Octane Visa Credit Card: Spend Rs.2 Lakhs For Waiver of Renewal Fee Spend thresholds and anniversary rules change; confirm the latest T&Cs.
Axis Bank Shoppers Stop Credit Card: 3.50% - Foreign Currency Transactions Bpcl Sbi Card Octane Visa Credit Card: 3.5% - Foreign Currency Transactions Lower published foreign-currency markup is usually better for overseas and foreign-currency online spend; confirm the live rate and exclusions on the Axis Bank and SBI Cards websites.
Axis Bank Shoppers Stop Credit Card: Enjoy First Citizen Reward Points Worth Rs.300 Bpcl Sbi Card Octane Visa Credit Card: Get 6000 Bonus Reward Points on Payment of Annual Fees Welcome campaigns are time-bound — verify eligibility and fulfilment on the Axis Bank and SBI Cards websites.