Axis Vistara Platinum Credit Card

SBI BPCL Octane Credit Card

Best For

Shopping

Online Food Ordering

Travel

Best For

Fuel

Travel

Cashback

APPLY AND GET425 GIFT CARD

Cashback

APPLY AND GET1400 GIFT CARD

Top Benefits

  • spent redeemable for upgrades and award flights via Air India Maharaja Club
  • access on spending ₹50,000 in the previous 3 calendar months

Top Benefits

  • equivalent to 25 reward points per ₹100 with a maximum of 2,500 reward points per billing cycle
  • as welcome gift on payment of the annual fee

Welcome Benefits

Welcome Benefits

  • One complimentary one-way Economy Class base-fare-waived ticket voucher on the Air India domestic network, issued as a welcome gift on fee payment

Welcome Benefits

Welcome Benefits

  • 6,000 bonus reward points worth ₹1,500 on payment of annual fee, credited within 30 days of fee payment

Travel Benefits

Flight Benefits

  • Earn 2 Maharaja Points for every ₹200 spent on eligible spends
  • Redeem Maharaja Points for Flight Upgrades and Award Flights via Air India Maharaja Club
  • Save up to 15% instantly on Flights and Hotels via Goibibo and MakeMyTrip every Wednesday

Railway Benefits

  • This card does not offer any benefits in this category

Cab Benefits

  • This card does not offer any benefits in this category

Bus Benefits

  • This card does not offer any benefits in this category

Travel Benefits

Flight Benefits

  • This card does not offer any benefits in this category

Hotel Benefits

  • This card does not offer any benefits in this category

Railway Benefits

  • This card does not offer any benefits in this category

Bus Benefits

  • This card does not offer any benefits in this category

Cab Benefits

  • This card does not offer any benefits in this category

Lounge Benefits

Airport Lounge Benefits

  • 2 Complimentary Domestic Airport Lounge accesses at select airports within India
  • Minimum spend of ₹50,000 in the previous 3 calendar months required to unlock Lounge Access
  • For newly issued cards, the minimum spend criteria is waived for the month of issuance and the following 3 calendar months

Railway lounge Benefits

  • This card does not offer any benefits in this category

Lounge Benefits

Airport Lounge

  • 4 complimentary domestic airport lounge visits per year, maximum 1 visit per quarter

Railway Lounge

  • This card does not offer any benefits in this category

Movie Tickets

Movie Ticket Benefits

  • This card does not offer any benefits in this category

Movie Tickets

Movie Ticket Benefits

  • 10 reward points per ₹100 spent on movie tickets included under monthly cap of 7,500 reward points

Dining Benefits

Dining Benefits

  • This card does not offer any benefits in this category

Dining Benefits

Dining

  • 10 reward points per ₹100 spent on dining
  • Also applicable on grocery, departmental stores & movies
  • Monthly capping of 7,500 reward points

Fuel Benefits

Fuel Benefits

  • This card does not offer any benefits in this category

Fuel Surcharge Waiver Benefits

  • This card does not offer any benefits in this category

Fuel Benefits

Fuel Benefits

  • 25 reward points per ₹100 spent at BPCL fuel, lubricants & Bharat Gas (website/app only)
  • Approx. 6.25% value back on fuel spends

Surcharge Waiver Benefits

  • 1% fuel surcharge waiver at BPCL petrol pumps across India
  • Applicable on transactions up to ₹4,000
  • Maximum waiver capped at ₹100 per statement cycle

Insurance

Insurance Benefits

  • Purchase protection cover up to ₹1,00,000
  • Travel-related coverage up to USD 300 for loss of travel documents
  • Coverage for delay of check-in baggage
  • Coverage for loss of check-in baggage

Insurance

Insurance Benefits

  • Complimentary fraud liability cover of ₹1,00,000

Bank Offers

Bank Offer

  • Wednesday Delight offers every Wednesday on partner platforms
  • Save up to 15% instantly on flights and hotels via Goibibo and MakeMyTrip every Wednesday
  • Get 10% off on orders via Swiggy and Amazon Fresh every Wednesday
  • Get 10% off on Tira purchases up to ₹1,000 every Wednesday

Bank Offers

Bank Offers

  • This card does not offer any benefits in this category

Joining Fee

₹1500

Joining Fee

₹1499

Joining Fee Waiver

1 complimentary economy class ticket on card issuance

Joining Fee Waiver

2000 Rewards points on card activation worth Rs 500

Annual Fee

₹1500

Annual Fee

₹1499

Annual Fee Waiver

Not Applicable

Annual Fee Waiver

The annual fee is waived if you spend ₹2 lakh more in a year on your card, as per bank policy.

Minimum Age

18

Minimum Age

21

Maximum Age

70

Maximum Age

60

Income (Salaried)

6 LPA

Income (Salaried)

3 LPA

Income (Self-Employed)

6 LPA

Income (Self-Employed)

6 LPA

Credit Score Required

720

Credit Score Required

720

Employment Type

Salaried & Self-Employed

Employment Type

Salaried & Self-Employed

Forex Markups

3.50%

Forex Markups

3.50%

APR Fees

3.75%

APR Fees

3.75%

ATM withdrawal

2.50%

ATM withdrawal

2.50%

Reward Redemption Fees

Not Applicable

Reward Redemption Fees

₹99

Link for all T&Cs

View T&C

Link for all T&Cs

View T&C

Railway Surcharge

As prescribed by IRCTC / Indian Railways

Railway Surcharge

1%

Rent Payment Fees

1%

Rent Payment Fees

1%

Cash Payment Fees

₹175

Cash Payment Fees

₹250

Check Payment Fees

2%

Check Payment Fees

₹200

Max Fee

750

View Breakdown

Max Fee

950

View Breakdown

All Reversals

All Reversals

Cancelled Transactions

Cancelled Transactions

Cash Advances

Cash Advances

ATM Cash Withdrawals

ATM Cash Withdrawals

Quasi-Cash Transactions

Quasi-Cash Transactions

Money Transfers

Money Transfers

P2P Transfers

P2P Transfers

Wallet Loads

Wallet Loads

Gift Cards and Vouchers

Gift Cards and Vouchers

EMI Spends

EMI Spends

Bank Charges & Fees

Bank Charges & Fees

Late Payment Fees

Late Payment Fees

Processing Fees

Processing Fees

Financial Charges

Financial Charges

Interest Charges

Interest Charges

Payment Returned Charges

Payment Returned Charges

Service/Interest Charges

Service/Interest Charges

Transaction Charges

Transaction Charges

Education Spends

Education Spends

Fuel Spends

Fuel Spends

Fuel Surcharge

Fuel Surcharge

Toll Payments

Toll Payments

Gambling Transactions

Gambling Transactions

Lottery

Lottery

Online Skill-Based Gaming

Online Skill-Based Gaming

Government-related Transactions

Government-related Transactions

Utility Bill Payments

Utility Bill Payments

Telecom

Telecom

Taxes

Taxes

Insurance Payments

Insurance Payments

Jewellery Purchases

Jewellery Purchases

Forex Transactions

Forex Transactions

Cryptocurrency/Digital Asset Transactions

Cryptocurrency/Digital Asset Transactions

Rent Payment

Rent Payment

Railways

Railways

Transportation

Transportation

Business Services

Business Services

Contracted Services

Contracted Services

Collection Agencies

Collection Agencies

Security Broker Services

Security Broker Services

Charity

Charity

Donations

Donations

Antique Items

Antique Items

Load Money

Load Money

Liquid Assets

Liquid Assets

Outstanding Payments

Outstanding Payments

Voucher Purchases

Voucher Purchases

Miscellaneous

Miscellaneous

Donations to Religious Organizations

Donations to Religious Organizations

Donations to Political Organizations

Donations to Political Organizations

Smartpay

Smartpay

Smartbuy portal

Smartbuy portal

The smartest way to find your great credit card

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