Which card has a lower forex fee: Axis Bank ACE Credit Card or SBI BPCL Credit Card?

Both cards have the same forex markup (3.5%).

Which card has a lower annual fee: Axis Bank ACE Credit Card or SBI BPCL Credit Card?

Both cards have the same annual fee (₹499).

Which card offers better lounge access?

Axis Bank ACE Credit Card: 4 per year domestic lounge. SBI BPCL Credit Card: No complimentary lounge access.

Which card has a higher base reward rate?

Base reward rates are not fully available for both cards in the current snapshot.

Pairwise comparison Compare 3+ cards →

Axis Bank ACE vs SBI Card BPCL Credit Cards – Fees, Lounge, Forex

Side-by-side comparison of the Axis Bank ACE and the SBI Card BPCL. Verify fees, lounge access, forex markup, and base rewards before you apply.

Lounge Axis Bank ACE

Quick comparison

Three core metrics

ACE Axis Bank

Annual fee ₹499 Waivable at ₹2,00,000 spend
Forex markup 3.5%
Domestic lounge 4/year Conditional · Domestic: 4/year · requires ₹50,000 spend in the previous 3 calendar months

BPCL SBI Card

Annual fee ₹499 Waivable at ₹1,00,000 spend
Forex markup 3.5%
Domestic lounge No complimentary lounge access

Reward earning explained

Per card

ACE

5% on Google Pay (domestic) (Utility bill payments and recharges must be comple…

BPCL

13 pts / ₹100 on BPCL (domestic) + 1 pt / ₹100 on General spend

Pick based on what matters

2 dimensions

Start with the constraint you care about most: annual fee (Axis Bank ACE: ₹499 vs SBI Card BPCL: ₹499), forex markup (3.5% vs 3.5%), or lounge access (4/year vs No complimentary lounge access).

Forex markup Tie

Both cards are similar for forex

Forex markup is 3.5%.
Lounge access Axis Bank ACE wins

Axis Bank ACE is better for lounge access

Axis Bank ACE is stronger here. Domestic lounge access is 4 per year.

Verify with issuer

All fields

Standard view

Example usage at this monthly spend

At ₹50k/month spend:

ACE: ~₹750/month at base rate
SBI BPCL: Base earn not clearly specified

Illustrative only, using current base rates before caps.

Swipe for all fields

Field	ACE Axis Bank	BPCL SBI Card
Lounge Access
Domestic lounge visits 4/year vs No complimentary lounge access	4/year	No complimentary lounge access
Forex / International Use
Forex markup	3.5%	3.5%
Fees
Annual fee	₹499	₹499
Joining fee	₹499	₹499
Fee waiver spend ₹2,00,000 vs ₹1,00,000	₹2,00,000	₹1,00,000
Rewards
Points per ₹100 1.5% vs 1 pts	1.5%	1 pts
Point value (headline channel) Issuer headline redemption rate — see each card page for the full channel grid. Only available for ACE	₹1	Not specified

Notes

Card benefits change frequently. Always verify current terms on the issuer's official website or app before applying.