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LIC Axis Bank Platinum 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.

LIC Axis Bank Platinum Credit Card versus SBI BPCL Credit Card compared
FeatureLIC Axis Bank Platinum Credit CardLIC Axis Bank Platinum Credit CardAxis Bank
SBI BPCL Credit CardSBI BPCL Credit CardState Bank of India3 recent changes →
Rewards by spend
RewardsRewards not published0.25% base, up to 1.25% on dining; 3.25% only at partner merchants
UPI payments (scan and pay)sameEarns nothingEarns nothing
Online shoppingNot stated0.25%
Dining and food deliveryNot stated1.25%
GroceriesNot stated1.25%
Travel: flights, hotels, trainsNot stated0.25%
FuelNot statedEarns nothing; 3.25% only at Bharat Petroleum
Bills and rechargesNot stated0.25%
RentNot statedEarns nothing
Insurance premiumsNot stated0.25%
School and college feesNot stated0.25%
Wallet top-upsNot statedEarns nothing
Taxes and government paymentssameNot statedNot stated
Spend abroad or in a foreign currencyNot stated0.25%
Everything elseNot stated0.25%
Card identity
Card typeRewardsFuel
Network-Visa
Card tier-Mid
Fees
Joining feeFree₹499 + GST
Annual feeFree₹499 + GST
Lifetime freeYesNo
Fee waived at-₹1,00,000
Eligibility
Employment type-BOTH
Rewards
Reward type-Reward points
Point value-₹0
Fuel surcharge
Fuel surcharge waiverNoYes
Fuel waiver cap-₹100
Forex and international
Forex markupsame3.5%3.5%
UPI rewards
Works on UPI-No
Page content
Documents needed-PAN card Aadhaar / address proof Income proof (salary slips or ITR) Recent passport-size photograph
ApplyApply NowApply Now

Best For

LIC Axis Bank Platinum Credit Card
  • LIC policyholders
  • First-time card users
  • People wanting a no-fee backup card
SBI BPCL Credit Card
  • Daily commuters who fuel at BPCL
  • First-time card users
  • People wanting a low-fee fuel card

Watch-Outs

LIC Axis Bank Platinum Credit Card
  • No lounge access
  • 3.5% forex fee
  • Modest reward rate on regular spends
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, India Credit Card Facts, CC BY 4.0, adapted by SkyloFin.

Questions People Ask

Which has the lower annual fee, LIC Axis Bank Platinum Credit Card or SBI BPCL Credit Card?

LIC Axis Bank Platinum Credit Card. LIC Axis Bank Platinum Credit Card: no annual fee; SBI BPCL Credit Card: ₹499. Check whether a spend-based waiver applies before you decide.

Which is better for spending abroad?

LIC Axis Bank Platinum Credit Card has the lowest forex markup. LIC Axis Bank Platinum Credit Card: 3.5%; SBI BPCL Credit Card: 3.5%. The markup is charged on every foreign-currency transaction, before GST.

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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