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

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

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

IndiGo Axis Bank Credit Card has a lower annual fee (₹799 vs ₹1,499).

Which card offers better lounge access?

IndiGo Axis Bank Credit Card: 1 per quarter domestic lounge. BPCL SBI Card OCTANE: 4 per year domestic lounge.

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 IndiGo vs SBI Card BPCL SBI Card OCTANE Credit Cards – Fees, Lounge, Forex

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

Quick comparison

Three core metrics

IndiGo Axis Bank

Annual fee ₹799
Forex markup 3.5%
Domestic lounge 4/year (1 per quarter) Conditional · Domestic: 1/quarter · requires ₹50,000 spend in the previous 3 calendar months

BPCL SBI Card OCTANE SBI Card

Annual fee ₹1,499 Waivable at ₹2,00,000 spend
Forex markup 3.5%
Domestic lounge 4/year

Reward earning explained

Per card

IndiGo

1 pt / ₹100 · Up to 3 pts / ₹100 on Indigo

Limited data

BPCL SBI Card OCTANE

1% · Up to 25 pts / ₹100 on BPCL

Limited data

Pick based on what matters

3 dimensions

Start with the constraint you care about most: annual fee (Axis Bank IndiGo: ₹799 vs SBI Card BPCL SBI Card OCTANE: ₹1,499), forex markup (3.5% vs 3.5%), or lounge access (4/year (1 per quarter) vs 4/year).

Forex markup Tie

Both cards are similar for forex

Forex markup is 3.5%.
Lounge access Tie

Both cards are similar for lounge access

Domestic lounge access is 1 per quarter. Domestic lounge access is 4 per year.
Rewards Insufficient data

Insufficient data to compare rewards

Available evidence is incomplete: Axis Bank IndiGo is not safely INR-comparable (no usable point value). SBI Card BPCL SBI Card OCTANE conservative base value ~1% per ₹100.

IndiGo: Limited data BPCL SBI Card OCTANE: Limited data

Axis Bank IndiGo

Confidence: Low (limited information available)

Verify with issuer

SBI Card BPCL SBI Card OCTANE

Confidence: Low (limited information available)

Verify with issuer

All fields

Standard view

Example usage at this monthly spend

At ₹50k/month spend:

BPCL SBI Card OCTANE: ~₹500/month at base rate
IndiGo Axis Bank: Base earn not clearly specified

Illustrative only, using current base rates before caps.

Swipe for all fields

Field	IndiGo Axis Bank	BPCL SBI Card OCTANE SBI Card
Lounge Access
Domestic lounge visits 4/year (1 per quarter) vs 4/year	4/year (1 per quarter)	4/year
Forex / International Use
Forex markup	3.5%	3.5%
Fees
Annual fee ₹799 vs ₹1,499	₹799	₹1,499
Joining fee ₹799 vs ₹1,499	₹799	₹1,499
Fee waiver spend Only available for BPCL SBI Card OCTANE	Not specified	₹2,00,000
Rewards
Base earn 1 pt / ₹100 vs 1%	1 pt / ₹100	1%
Conservative base value Not safely INR-comparable vs ~1%	Not safely INR-comparable	~1%
Point validity Only available for BPCL SBI Card OCTANE	Not specified	2 years

Notes

Some data has low confidence — verify with the issuer before relying on it.
Card benefits change frequently. Always verify current terms on the issuer's official website or app before applying.