AU Zenith 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 Zenith Credit CardAU Small Finance Bank7 recent changes → |  SBI BPCL Credit CardState Bank of India3 recent changes → | |
|---|---|---|---|
| Rewards by spend | |||
| Rewards | 0.75% base, up to 1.25% on dining | 0.25% base, up to 1.25% on dining; 3.25% only at partner merchants | |
| UPI payments (scan and pay)same | Earns nothing | Earns nothing | |
| Online shopping | 0.75% | 0.25% | |
| Dining and food deliverysame | 1.25% | 1.25% | |
| Groceriessame | 1.25% | 1.25% | |
| Travel: flights, hotels, trains | 0.75% | 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 | 0.75% | Earns nothing | |
| Taxes and government payments | Earns nothing | Not stated | |
| Spend abroad or in a foreign currency | 1.25% | 0.25% | |
| Everything else | 0.75% | 0.25% | |
| Card identity | |||
| Card type | Dining | Fuel | |
| Networksame | Visa | Visa | |
| Card tier | Premium | Mid | |
| Fees | |||
| Joining fee | ₹7,999 + GST | ₹499 + GST | |
| Annual fee | ₹7,999 + GST | ₹499 + GST | |
| Fee waived at | ₹5,00,000 | ₹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 | |
| Lounge access | |||
| Domestic lounge visits | 8 | - | |
| International lounge visits | 8 | - | |
| Railway lounge visits | 8 | - | |
| Lounge programme | PRIORITY_PASS | - | |
| Priority Pass | Yes | No | |
| Lounge condition | Spend Rs 50,000 in the previous quarter for domestic lounge access | - | |
| Forex and international | |||
| Forex markup | 3.49% | 3.5% | |
| 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
- ₹2,112
- Fee a year
- - ₹9,439
- You keep
- - ₹7,327
- Rewards a year
- ₹1,212
- Fee a year
- ₹0
- You keep
- ₹1,212
At this spend, SBI BPCL Credit Card comes out ₹8,539 a year ahead of AU Zenith 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
- High spenders who can reach Rs 5 lakh a year
- Occasional international travellers
- People who want concierge service
- Daily commuters who fuel at BPCL
- First-time card users
- People wanting a low-fee fuel card
Watch-Outs
- Reward rates were cut in January 2026
- No points on rent, fuel, education, government, EMI or BBPS bills
- Domestic lounges need Rs 50,000 spend in the previous quarter
- ₹7,999 fee is steep if you miss the waiver
- 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 (AU Zenith Credit Card, SBI BPCL Credit Card), India Credit Card Facts, CC BY 4.0, adapted by SkyloFin.
Questions People Ask
Which has the lower annual fee, AU Zenith Credit Card or SBI BPCL Credit Card?
SBI BPCL Credit Card. SBI BPCL Credit Card: ₹499; AU Zenith Credit Card: ₹7,999. Check whether a spend-based waiver applies before you decide.
Which is better for spending abroad?
AU Zenith Credit Card has the lowest forex markup. AU Zenith 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 Zenith Credit Card 0.75%, 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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