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

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

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

Axis Bank My Zone Credit Card has a lower annual fee (₹500 annual fee vs ₹1,499 annual fee).

Which card offers better lounge access?

Axis Bank My Zone Credit Card: 1 per quarter domestic lounge. BPCL SBI Card OCTANE: Lounge access not verified.

Which card has a higher base reward rate?

Axis Bank My Zone Credit Card has higher conservative base reward value (~0.4% vs ~0.25%).

Pairwise comparison Compare 3+ cards →

Axis Bank My Zone vs SBI Card BPCL SBI Card OCTANE Credit Cards – Fees, Lounge, Forex

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

My Zone

BPCL SBI Card OCTANE

The short answer

Verdict

No decisive winner on the core dimensions — the head-to-head below shows where the small differences are.

Head-to-head

Three core metrics

Annual fee

My Zone ₹500 Annual-fee waiver not offered

BPCL SBI Card OCTANE ₹1,499 Waivable at ₹2,00,000 spend

My Zone saves ₹999/yr
Forex markup

My Zone 3.5%

BPCL SBI Card OCTANE 3.5%
Domestic lounge

My Zone 4/year (1 per quarter) Conditional · Domestic: 1/quarter · requires ₹50,000 spend in the previous 3 calendar months

BPCL SBI Card OCTANE Lounge access not verified

Reward earning explained

Per card

My Zone

2 EDGE Reward Points / ₹100

Strong data

BPCL SBI Card OCTANE

1 pt / ₹100 · Up to 25 pts / ₹100 on BPCL

Strong data

Pick based on what matters

3 dimensions

Start with the constraint you care about most: annual fee (Axis Bank My Zone: ₹500 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 Lounge access not verified).

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. No verified lounge entitlement or explicit no-lounge evidence on file.
Rewards Tie

Both cards are similar for rewards

Axis Bank My Zone conservative base value ~0.4% vs SBI Card BPCL SBI Card OCTANE's ~0.3%. SBI Card BPCL SBI Card OCTANE conservative base value ~0.3% vs Axis Bank My Zone's ~0.4%.

All fields

Standard view

Example usage at this monthly spend

At ₹50k/month spend:

My Zone: ~₹200/month at base rate
BPCL SBI Card OCTANE: ~₹130/month at base rate

Illustrative only, using current base rates before caps.

Field	My Zone Axis Bank	BPCL SBI Card OCTANE SBI Card
Lounge Access
Domestic lounge visits spend-gated on some cards — see caveats Only available for My Zone	4/year (1 per quarter)	Not specified
Forex / International Use
Forex markup	3.5%	3.5%
Fees
Recurring annual fee ₹500 vs ₹1,499	₹500	₹1,499
Annual-fee waiver Not offered vs ₹2,00,000	Not offered	₹2,00,000
Monthly interest rate	3.75% / month	3.75% / month
Fuel benefit Only available for My Zone	1% surcharge waiver · ₹400–₹4,000 transactions · ₹500/month waiver cap · Fuel rewards excluded	Not specified
Rewards
Points per ₹100 2 EDGE Reward Points / ₹100 vs 1 pt / ₹100	2 EDGE Reward Points / ₹100	1 pt / ₹100
Conservative base value ~0.4% vs ~0.3%	~0.4%	~0.3%
Earn ceiling Not stated vs 2,500 points per month; at 25 pts / ₹100, this lane reaches the cap at ₹10,000 of eligible spend	Not stated	2,500 points per month; at 25 pts / ₹100, this lane reaches the cap at ₹10,000 of eligible spend
Point value (headline channel) Issuer headline redemption rate — see each card page for the full channel grid. ₹0.2 vs ₹0.25	₹0.2	₹0.25

Notes

Axis Bank My Zone Credit Card: Condition: ₹50,000 spend in the previous 3 calendar months
Card benefits change frequently. Always verify current terms on the issuer's official website or app before applying.

Axis Bank My Zone

Verify with issuer

SBI Card BPCL SBI Card OCTANE

Verify with issuer