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 vs ₹1,499).

Which card offers better lounge access?

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

Which card has a higher base reward rate?

BPCL SBI Card OCTANE has higher base reward value (~1% vs ~0.4%).

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.

Rewards SBI Card BPCL SBI Card OCTANE

Quick comparison

Three core metrics

My Zone Axis Bank

Annual fee ₹500
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

My Zone

2 pts / ₹100

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 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 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 SBI Card BPCL SBI Card OCTANE wins

SBI Card BPCL SBI Card OCTANE is better for rewards

SBI Card BPCL SBI Card OCTANE is stronger here. SBI Card BPCL SBI Card OCTANE conservative base value ~1% vs Axis Bank My Zone's ~0.4%.

Axis Bank My Zone

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
My Zone: ~₹200/month at base rate

Illustrative only, using current base rates before caps.

Swipe for all fields

Field	My Zone 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 ₹500 vs ₹1,499	₹500	₹1,499
Joining fee ₹500 vs ₹1,499	₹500	₹1,499
Fee waiver spend Only available for BPCL SBI Card OCTANE	Not specified	₹2,00,000
Rewards
Base earn 2 pts / ₹100 vs 1%	2 pts / ₹100	1%
Conservative base value ~0.4% vs ~1%	~0.4%	~1%
Point value (headline channel) Issuer headline redemption rate — see each card page for the full channel grid. Only available for My Zone	₹0.2	Not specified
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.