AU Bank Zenith vs SBI BPCL Octane
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
SBI BPCL Octane wins 6-3. Highest fuel cashback in India — 7.25% effective at BPCL pumps. AU Bank Zenith is still the right call if underrated mid-premium — punches above its fee tier..
Side-by-side
| Criterion | AU Bank Zenith | SBI BPCL Octane |
|---|---|---|
| Annual fee | · ₹7,500 | ₹1,499 |
| Joining fee | · ₹7,500 | ₹1,499 |
| Top reward rate | 10% (travel) | · 7.25% (fuel) |
| Base reward rate | 2% | · 1.25% |
| Forex markup | 2% | · 3.5% |
| Welcome bonus | = 7,500 reward points + Vistara Premium Economy ticket | = 6,000 BPCL reward points (₹1,500 fuel value) |
| Fee waiver threshold | · ₹800,000 / yr | ₹200,000 / yr |
| Min income | · ₹1,200,000 | ₹360,000 |
| Min credit score | · 780 | 740 |
| Editorial rating | · 4.4/5 | 4.5/5 |
Benefits compared
AU Bank Zenith
- 10 ZenPoints per ₹100 on travel + dining
- 2 ZenPoints per ₹100 on general spend
- 8 complimentary international lounge visits per quarter
- 12 complimentary domestic lounge visits / year
- Annual milestone: free domestic flight at ₹6L spend
- 4 free golf rounds/quarter at 250+ courses
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
FAQ
›AU Bank Zenith vs SBI BPCL Octane: which is better?
SBI BPCL Octane wins on more dimensions (6 vs 3). But the right answer depends on your specific spending pattern — see the calculator below.
›Can I get both?
Yes — if your credit profile supports it, holding both is the optimal play. Use AU Bank Zenith for its best categories, SBI BPCL Octane for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
AU Bank Zenith: 7,500 reward points + Vistara Premium Economy ticket. SBI BPCL Octane: 6,000 BPCL reward points (₹1,500 fuel value).