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AU Zenith vs SBI BPCL Octane Credit Card Compared

Which credit card suits you? Side by side on the numbers that decide it. A blank means the provider has not published that figure, not that it is zero. Data last verified: 11 October 2026.

AU Zenith Credit Card versus SBI BPCL Octane Credit Card compared
FeatureAU Zenith Credit CardAU Zenith Credit CardAU Small Finance Bank7 recent changes →
SBI BPCL Octane Credit CardSBI BPCL Octane Credit CardState Bank of India3 recent changes →
Rewards by spend
Rewards0.75% base, up to 1.25% on dining0.25% base, up to 2.5% on dining; 6.25% only at partner merchants
UPI payments (scan and pay)sameEarns nothingEarns nothing
Online shopping0.75%0.25%
Dining and food delivery1.25%2.5%
Groceries1.25%2.5%
Travel: flights, hotels, trains0.75%0.25%
FuelEarns nothing0.25%; 6.25% only at Bharat Petroleum
Bills and rechargessame0.25%0.25%
RentsameEarns nothingEarns nothing
Insurance premiumssame0.25%0.25%
School and college feesEarns nothing0.25%
Wallet top-ups0.75%Earns nothing
Taxes and government paymentsEarns nothingNot stated
Spend abroad or in a foreign currency1.25%0.25%
Everything else0.75%0.25%
Card identity
Card typeDiningFuel
NetworksameVisaVisa
Card tierPremiumMid
Fees
Joining fee₹7,999 + GST₹1,499 + GST
Annual fee₹7,999 + GST₹1,499 + GST
Fee waived at₹5,00,000₹2,00,000
Eligibility
Min age21 years-
Max age65 years-
Employment typesameBOTHBOTH
Rewards
Reward typesameReward pointsReward points
Point valuesame₹0₹0
Fuel surcharge
Fuel surcharge waiversameYesYes
Fuel waiver capsame₹100₹100
Lounge access
Domestic lounge visits84
International lounge visits80
Railway lounge visits8-
Lounge programmePRIORITY_PASS-
Priority PassYesNo
Lounge conditionSpend Rs 50,000 in the previous quarter for domestic lounge access4 complimentary domestic airport lounge visits a year (1 per quarter)
Forex and international
Forex markup3.49%3.5%
Interest and charges
Interest rate (monthly)3.75%-
Interest rate (annual)45%-
Page content
Documents neededPAN card Aadhaar / valid address proof Latest 3 months bank statement Income proof, salary slips (salaried) or ITR (self-employed) Recent passport-size photographPAN card Aadhaar / address proof Income proof (salary slips or ITR)
ApplyApply NowApply Now

Worth in Rupees at ₹20,000 a Month

AU Zenith Credit Card
Rewards a year
₹2,112
Fee a year
- ₹9,439
You keep
- ₹7,327
SBI BPCL Octane Credit Card
Rewards a year
₹1,956
Fee a year
₹0
You keep
₹1,956

At this spend, SBI BPCL Octane Credit Card comes out ₹9,283 a year ahead of AU Zenith Credit Card. Worked out from each card's published reward rate, caps and fee, on ₹20,000 a month. Your own spend changes the answer: try the rewards calculator.

Best For

AU Zenith Credit Card
  • High spenders who can reach Rs 5 lakh a year
  • Occasional international travellers
  • People who want concierge service
SBI BPCL Octane Credit Card
  • Heavy drivers who fuel at BPCL
  • Families with regular dining and grocery bills
  • People wanting lounges on a mid-fee card

Watch-Outs

AU Zenith Credit Card
  • Reward rates were cut in January 2026
  • No points on rent, fuel, education, government, EMI or BBPS bills
  • Domestic lounges need Rs 50,000 spend in the previous quarter
  • ₹7,999 fee is steep if you miss the waiver
SBI BPCL Octane Credit Card
  • Only about 0.25% on other spends
  • Monthly caps on the 25X and 10X rates
  • Fuel rewards only at BPCL pumps

Card data sourced via CardAdvisor.in (AU Zenith Credit Card, SBI BPCL Octane Credit Card), India Credit Card Facts, CC BY 4.0, adapted by SkyloFin.

Questions People Ask

Which has the lower annual fee, AU Zenith Credit Card or SBI BPCL Octane Credit Card?

SBI BPCL Octane Credit Card. SBI BPCL Octane Credit Card: ₹1,499; AU Zenith Credit Card: ₹7,999. Check whether a spend-based waiver applies before you decide.

Which is better for spending abroad?

AU Zenith Credit Card has the lowest forex markup. AU Zenith Credit Card: 3.49%; SBI BPCL Octane Credit Card: 3.5%. The markup is charged on every foreign-currency transaction, before GST.

Which earns more on everyday spending?

On spends outside any bonus category: AU Zenith Credit Card 0.75%, SBI BPCL Octane Credit Card 0.25%. Bonus categories, rates limited to named merchants and monthly caps change the picture, so compare the rewards by spend too.

Which gives airport lounge access?

AU Zenith Credit Card: 8 domestic lounge visits a year; SBI BPCL Octane Credit Card: 4 domestic lounge visits a year. Some cards need a minimum spend in the quarter before a visit counts, so check the lounge terms.

Can I hold more than one of these cards?

Usually yes, if each bank approves you. Many people keep one card for everyday spending and another for a specific use such as travel. Each application is a separate credit check.

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