Side-by-side · honest numbers
AU Zenith Credit Card vs Axis Bank Reserve Credit Card vs SBI BPCL Octane
Honest side-by-side comparison of AU Zenith Credit Card, Axis Bank Reserve Credit Card, SBI BPCL Octane — annual fees, reward rates, income eligibility, and estimated net annual value on the same spend profile.
At a glance (moderate spend)
Quick verdict: On moderate spend, SBI BPCL Octane ranks first for estimated net annual value — ahead of AU Zenith Credit Card by about ₹16,307/yr.
| Feature | AU Zenith Credit Card AU Small Finance Bank | Axis Bank Reserve Credit Card Axis Bank | SBI BPCL Octane SBI Card |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹7,999 | ₹12,500 | ₹1,499 |
| Fee waiver threshold | No waiver published | No waiver published | Waived at ₹2,00,000/yr spend |
| Min income | ₹75,000/mo | ₹1,00,000/mo | ₹30,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | -₹6,737/yr | -₹10,580/yr | ₹9,570/yr |
| Groceries (offline) | — | — | 6 pts per ₹150 spend → ₹60/mo (₹720/yr) |
| Dining & delivery | — | 24 pts per ₹150 spend → ₹128/mo (₹1,536/yr) | 6 pts per ₹150 spend → ₹40/mo (₹480/yr) |
| Fuel | — | — | 37.5 pts per ₹150 spend → ₹250/mo (₹3,000/yr) |
| Travel | 3 pts per ₹150 spend → ₹50/mo (₹600/yr) | 5 pts per ₹150 spend → ₹33/mo (₹400/yr) | — |
| Top reward rate | 3X points/₹150 | 24 EDGE miles/₹150 | 25X points |
| Primary reward cap | No monthly cap published | No monthly cap published | ₹10,000 eligible spend/mo |
| Perks & restrictions | |||
| Lounge access | Unlimited domestic lounge access · Premium AU tier — no spend milestone stated for lounge in public benefits | Unlimited domestic & international lounge · No minimum spend required for lounge access | None |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent | EMI · Fuel · Rent · Wallet | Non-BPCL fuel · EMI · Rent · Wallet |
| Bonuses | |||
| Signup bonus | — | — | ₹6,000 |
Frequently asked questions
- Which card has the lower annual fee?
- SBI BPCL Octane has the lowest annual fee at ₹1,499.
- Which card earns more on moderate spend?
- SBI BPCL Octane leads with an estimated ₹9,570/yr net annual value on moderate spend.
- Which card has the lower income requirement?
- SBI BPCL Octane lists a minimum monthly income of ₹30,000.
- Does this comparison pull my credit score?
- No. CardHungry estimates net value from public fee and reward rules only — no bureau check.
Customize your spend
Change spend profile or swap cards — results update live below.
AU Zenith Credit Card
AU Small Finance Bank
Axis Bank Reserve Credit Card
Axis Bank
SBI BPCL Octane
SBI Card
Your adjusted comparison
| Feature | AU Small Finance BankPlatinum AU Zenith Credit Card •••• •••• •••• 4242 Quick facts AU Zenith Credit Card Top reward3X points/₹150 Annual fee₹7,999 Min income₹75,000/mo Tap to flip back AU Zenith Credit Card AU Small Finance Bank | Axis BankMetal Axis Bank Reserve Credit Card •••• •••• •••• 4242 Quick facts Axis Bank Reserve Credit Card Top reward24 EDGE miles/₹150 Annual fee₹12,500 Min income₹1,00,000/mo Tap to flip back Axis Bank Reserve Credit Card Axis Bank | SBI CardPlatinum SBI BPCL Octane •••• •••• •••• 4242 Quick facts SBI BPCL Octane Top reward25X points Annual fee₹1,499 Min income₹30,000/mo Tap to flip back SBI BPCL Octane SBI Card |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹7,999 | ₹12,500 | ₹1,499 |
| Fee waiver threshold | No waiver published | No waiver published | Waived at ₹2,00,000/yr spend |
| Min income | ₹75,000/mo | ₹1,00,000/mo | ₹30,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | -₹6,737/yr | -₹10,580/yr | ₹9,570/yr |
| Groceries (offline) | — | — | 6 pts per ₹150 spend → ₹60/mo (₹720/yr) |
| Dining & delivery | — | 24 pts per ₹150 spend → ₹128/mo (₹1,536/yr) | 6 pts per ₹150 spend → ₹40/mo (₹480/yr) |
| Fuel | — | — | 37.5 pts per ₹150 spend → ₹250/mo (₹3,000/yr) |
| Travel | 3 pts per ₹150 spend → ₹50/mo (₹600/yr) | 5 pts per ₹150 spend → ₹33/mo (₹400/yr) | — |
| Top reward rate | 3X points/₹150 | 24 EDGE miles/₹150 | 25X points |
| Primary reward cap | No monthly cap published | No monthly cap published | ₹10,000 eligible spend/mo |
| Perks & restrictions | |||
| Lounge access | Unlimited domestic lounge access · Premium AU tier — no spend milestone stated for lounge in public benefits | Unlimited domestic & international lounge · No minimum spend required for lounge access | None |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent | EMI · Fuel · Rent · Wallet | Non-BPCL fuel · EMI · Rent · Wallet |
| Bonuses | |||
| Signup bonus | — | — | ₹6,000 |
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https://cardhungry.com/in/en/compare/au-zenith-vs-axis-reserve-vs-sbi-bpcl-octaneMore AU Zenith Credit Card comparisons
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