Axis Vistara Signature vs SBI BPCL Octane
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
SBI BPCL Octane wins 8-0. Highest fuel cashback in India — 7.25% effective at BPCL pumps. Axis Vistara Signature is still the right call if domestic flyers (vistara was acquired by air india — points convert)..
Side-by-side
| Criterion | Axis Vistara Signature | SBI BPCL Octane |
|---|---|---|
| Annual fee | · ₹3,000 | ₹1,499 |
| Joining fee | · ₹3,000 | ₹1,499 |
| Top reward rate | · 5% (travel) | 7.25% (fuel) |
| Base reward rate | · 1% | 1.25% |
| Forex markup | = 3.5% | = 3.5% |
| Welcome bonus | = Vistara Premium Economy ticket on joining | = 6,000 BPCL reward points (₹1,500 fuel value) |
| Fee waiver threshold | · ₹750,000 / yr | ₹200,000 / yr |
| Min income | · ₹600,000 | ₹360,000 |
| Min credit score | · 750 | 740 |
| Editorial rating | · 4.2/5 | 4.5/5 |
Benefits compared
Axis Vistara Signature
- 5 CV points per ₹200 on travel
- Premium Economy class ticket on joining
- Premium Economy class ticket on ₹4.5L spend
- 8 domestic lounge visits/year
- Club Vistara Silver tier on joining
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
›Axis Vistara Signature vs SBI BPCL Octane: which is better?
SBI BPCL Octane wins on more dimensions (8 vs 0). 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 Axis Vistara Signature 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?
Axis Vistara Signature: Vistara Premium Economy ticket on joining. SBI BPCL Octane: 6,000 BPCL reward points (₹1,500 fuel value).