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Axis Bank Burgundy Private vs SBI BPCL 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.

Axis Bank Burgundy Private Credit Card versus SBI BPCL Credit Card compared
FeatureAxis Bank Burgundy Private Credit CardAxis Bank Burgundy Private Credit CardAxis Bank5 recent changes →
SBI BPCL Credit CardSBI BPCL Credit CardState Bank of India3 recent changes →
Rewards by spend
Rewards6% on most spends0.25% base, up to 1.25% on dining; 3.25% only at partner merchants
UPI payments (scan and pay)sameEarns nothingEarns nothing
Online shopping6%0.25%
Dining and food delivery6%1.25%
Groceries6%1.25%
Travel: flights, hotels, trains6%0.25%
FuelEarns nothingEarns nothing; 3.25% only at Bharat Petroleum
Bills and rechargesEarns nothing0.25%
Rent6%Earns nothing
Insurance premiums6%0.25%
School and college fees6%0.25%
Wallet top-ups6%Earns nothing
Taxes and government paymentsEarns nothingNot stated
Spend abroad or in a foreign currency6%0.25%
Everything else6%0.25%
Card identity
Card typeRewardsFuel
NetworksameVisaVisa
Card tierSuper premiumMid
Fees
Joining fee₹1,00,000 + GST₹499 + GST
Annual fee₹1,00,000 + GST₹499 + GST
Fee waived at-₹1,00,000
Eligibility
Employment type-BOTH
Rewards
Reward typesameReward pointsReward points
Point value₹1₹0
Fuel surcharge
Fuel surcharge waiversameYesYes
Fuel waiver cap-₹100
Lounge access
Domestic lounge unlimitedYesNo
International lounge unlimitedYesNo
Guest lounge visits12-
Lounge programmePRIORITY_PASS-
Priority PassYesNo
Lounge conditionUnlimited domestic and international airport lounge access for primary and add-on cardholders, plus 12 complimentary guest visits and 8 airport meet-and-assist services a year. From 28 Aug 2026 Priority Pass no longer opens Indian domestic lounges, show-
Forex and international
Forex markupNone3.5%
Interest and charges
Interest rate (monthly)1.5%-
Interest rate (annual)18%-
Page content
Documents needed-PAN card Aadhaar / address proof Income proof (salary slips or ITR) Recent passport-size photograph
ApplyApply NowApply Now

Worth in Rupees at ₹20,000 a Month

Axis Bank Burgundy Private Credit Card
Rewards a year
₹14,400
Fee a year
- ₹1,18,000
You keep
- ₹1,03,600
SBI BPCL Credit Card
Rewards a year
₹1,212
Fee a year
₹0
You keep
₹1,212

At this spend, SBI BPCL Credit Card comes out ₹1,04,812 a year ahead of Axis Bank Burgundy Private 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

Axis Bank Burgundy Private Credit Card
  • Frequent flyers: unlimited airport lounge visits
  • Spending abroad: 0% markup, most cards add 3.5%
SBI BPCL Credit Card
  • Daily commuters who fuel at BPCL
  • First-time card users
  • People wanting a low-fee fuel card

Watch-Outs

Axis Bank Burgundy Private Credit Card
  • Skip it if you spend less than ₹1,64,000 a month: below that the ₹1,18,000 fee costs more than the rewards
  • Skip it if most of your spending is fuel, utility bills or government payments: those earn nothing on this card
  • Skip it if you pay mostly by UPI: a Visa or Mastercard card cannot pay by UPI
  • Skip it if you sometimes pay only the minimum due: interest of 1.5% a month (18% a year) outweighs any reward
SBI BPCL Credit Card
  • Only about 0.25% on regular spends
  • Monthly caps on fuel points
  • No lounge access
  • 3.5% forex fee

Card data sourced via CardAdvisor.in (Axis Bank Burgundy Private Credit Card, SBI BPCL Credit Card), India Credit Card Facts, CC BY 4.0, adapted by SkyloFin.

Questions People Ask

Which has the lower annual fee, Axis Bank Burgundy Private Credit Card or SBI BPCL Credit Card?

SBI BPCL Credit Card. SBI BPCL Credit Card: ₹499; Axis Bank Burgundy Private Credit Card: ₹1,00,000. Check whether a spend-based waiver applies before you decide.

Which is better for spending abroad?

Axis Bank Burgundy Private Credit Card has the lowest forex markup. Axis Bank Burgundy Private Credit Card: 0%; SBI BPCL 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: Axis Bank Burgundy Private Credit Card 6%, SBI BPCL Credit Card 0.25%. Bonus categories, rates limited to named merchants and monthly caps change the picture, so compare the rewards by spend too.

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.

Work Out the Numbers

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