SBI BPCL Octane vs Axis MyZone
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
Axis MyZone wins 5-3. Entry-tier with strong entertainment partnerships. SBI BPCL Octane is still the right call if highest fuel cashback in india, 7.25% effective at bpcl pumps..
Side-by-side
| Criterion | SBI BPCL Octane | Axis MyZone |
|---|---|---|
| Annual fee | · ₹1,499 | ₹500 |
| Joining fee | · ₹1,499 | ₹500 |
| Top reward rate | 7.25% (fuel) | · 1% (general) |
| Base reward rate | 1.25% | · 1% |
| Forex markup | = 3.5% | = 3.5% |
| Welcome bonus | = 6,000 BPCL reward points (₹1,500 fuel value) | = ₹500 SonyLIV / Eros Now subscription |
| Fee waiver threshold | · ₹200,000 / yr | ₹100,000 / yr |
| Min income | · ₹360,000 | ₹240,000 |
| Min credit score | · 740 | 720 |
| Editorial rating | 4.5/5 | · 4/5 |
Benefits compared
SBI BPCL Octane
- 25 reward points per ₹100 at BPCL (~7.25% value)
- 10x rewards on dining + grocery + departmental
- 4 domestic lounge visits/year
- 1% fuel surcharge waiver
Axis MyZone
- Buy-1-get-1 movie tickets on District, spend-gated from 1 Nov 2026 (₹25,000 settled spend in the previous 3 months)
- 40% off on Swiggy (capped ₹120)
- Sony LIV / Eros Now annual subscription
- 4 reward points per ₹200
- 1% fuel surcharge waiver
FAQ
›SBI BPCL Octane vs Axis MyZone: which is better?
Axis MyZone wins on more dimensions (5 vs 3). But the right answer depends on your specific spending pattern. Run your own monthly spend through the maximizer to see which one pays you more.
›Can I get both?
Yes, if your credit profile supports it, holding both is the optimal play. Use SBI BPCL Octane for its best categories, Axis MyZone for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
SBI BPCL Octane: 6,000 BPCL reward points (₹1,500 fuel value). Axis MyZone: ₹500 SonyLIV / Eros Now subscription.