AU Prathama 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.
| Feature |  AU Prathama Credit CardAU Small Finance Bank3 recent changes → |  SBI BPCL Credit CardState Bank of India3 recent changes → | |
|---|---|---|---|
| Rewards by spend | |||
| Rewards | 0.25% on most spends | 0.25% base, up to 1.25% on dining; 3.25% only at partner merchants | |
| UPI payments (scan and pay) | 0.25% | Earns nothing | |
| Online shoppingsame | 0.25% | 0.25% | |
| Dining and food delivery | 0.25% | 1.25% | |
| Groceries | 0.25% | 1.25% | |
| Travel: flights, hotels, trainssame | 0.25% | 0.25% | |
| Fuel | Earns nothing | Earns nothing; 3.25% only at Bharat Petroleum | |
| Bills and rechargessame | 0.25% | 0.25% | |
| Rentsame | Earns nothing | Earns nothing | |
| Insurance premiumssame | 0.25% | 0.25% | |
| School and college fees | Earns nothing | 0.25% | |
| Wallet top-ups | 0.25% | Earns nothing | |
| Taxes and government payments | Earns nothing | Not stated | |
| Spend abroad or in a foreign currencysame | 0.25% | 0.25% | |
| Everything elsesame | 0.25% | 0.25% | |
| Card identity | |||
| Card type | Rewards | Fuel | |
| Network | RuPay | Visa | |
| Card tier | Entry | Mid | |
| Fees | |||
| Joining fee | ₹100 + GST | ₹499 + GST | |
| Annual fee | ₹100 + GST | ₹499 + GST | |
| Fee waived at | ₹75,000 | ₹1,00,000 | |
| Eligibility | |||
| Min age | 21 years | - | |
| Max age | 65 years | - | |
| Employment typesame | BOTH | BOTH | |
| Rewards | |||
| Reward typesame | Reward points | Reward points | |
| Point valuesame | ₹0 | ₹0 | |
| Fuel surcharge | |||
| Fuel surcharge waiversame | Yes | Yes | |
| Fuel waiver capsame | ₹100 | ₹100 | |
| Forex and international | |||
| Forex markup | 3.49% | 3.5% | |
| UPI rewards | |||
| Works on UPI | Yes | No | |
| Interest and charges | |||
| Interest rate (monthly) | 3.75% | - | |
| Interest rate (annual) | 45% | - | |
| Page content | |||
| Documents needed | PAN card Aadhaar / valid address proof Latest 3 months bank statement Income proof, salary slips (salaried) or ITR (self-employed) Recent passport-size photograph | PAN card Aadhaar / address proof Income proof (salary slips or ITR) Recent passport-size photograph | |
| Apply | Apply Now | Apply Now | |
Worth in Rupees at ₹20,000 a Month
- Rewards a year
- ₹600
- Fee a year
- ₹0
- You keep
- ₹600
- Rewards a year
- ₹1,212
- Fee a year
- ₹0
- You keep
- ₹1,212
At this spend, SBI BPCL Credit Card comes out ₹612 a year ahead of AU Prathama 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
- First-time card users
- People building a credit score
- Low-income applicants
- Daily commuters who fuel at BPCL
- First-time card users
- People wanting a low-fee fuel card
Watch-Outs
- Low reward value of about 0.25% to 0.5%
- No lounge access
- 3.49% forex markup
- 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, AU Prathama Credit Card or SBI BPCL Credit Card?
AU Prathama Credit Card. AU Prathama Credit Card: ₹100; SBI BPCL Credit Card: ₹499. Check whether a spend-based waiver applies before you decide.
Which is better for spending abroad?
AU Prathama Credit Card has the lowest forex markup. AU Prathama Credit Card: 3.49%; 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: AU Prathama Credit Card 0.25%, 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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Guides in Plain Words
Short reads that explain how it works before you decide.
- GuidesBest Credit Cards Under ₹500 a Year in India (2026)Credit cards with an annual fee of ₹500 or less (before GST) in 2026, ranked by the reward rate each bank states, with fee waivers.Read the guide →
GuidesNo-Cost EMI: What It Really Costs You, With a Worked ExampleNo-cost EMI is not a trick, but it is rarely free. Here is where the money goes: the discount you give up, the processing fee, and GST on the interest, worked out on a Rs 30,000 phone.Read the guide →- GuidesBest Online Shopping Credit Cards in India (2026)The credit cards that pay the most back on online shopping in 2026, which sites count, the monthly cap and the annual fee.Read the guide →
