BOBCARD Prime 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 |  BOBCARD Prime Credit CardBank of Baroda5 recent changes → |  SBI BPCL Credit CardState Bank of India3 recent changes → | |
|---|---|---|---|
| Rewards by spend | |||
| Rewards | 0.4% on most spends | 0.25% base, up to 1.25% on dining; 3.25% only at partner merchants | |
| UPI payments (scan and pay) | 0.4% | Earns nothing | |
| Online shopping | 0.4% | 0.25% | |
| Dining and food delivery | 0.4% | 1.25% | |
| Groceries | Earns nothing | 1.25% | |
| Travel: flights, hotels, trains | 0.4% | 0.25% | |
| Fuel | Earns nothing | Earns nothing; 3.25% only at Bharat Petroleum | |
| Bills and recharges | 0.4% | 0.25% | |
| Rentsame | Earns nothing | Earns nothing | |
| Insurance premiums | Earns nothing | 0.25% | |
| School and college fees | Earns nothing | 0.25% | |
| Wallet top-upssame | Earns nothing | Earns nothing | |
| Taxes and government payments | Earns nothing | Not stated | |
| Spend abroad or in a foreign currency | 0.4% | 0.25% | |
| Everything else | 0.4% | 0.25% | |
| Card identity | |||
| Card type | Rewards | Fuel | |
| Network | RuPay | Visa | |
| Card tier | Entry | Mid | |
| Fees | |||
| Joining fee | Free | ₹499 + GST | |
| Annual fee | Free | ₹499 + GST | |
| Lifetime free | Yes | No | |
| Fee waived at | - | ₹1,00,000 | |
| Eligibility | |||
| Min age | 18 years | - | |
| Max age | 85 years | - | |
| Employment typesame | BOTH | BOTH | |
| Min monthly salary | ₹0 | - | |
| Rewards | |||
| Reward typesame | Reward points | Reward points | |
| Point valuesame | ₹0 | ₹0 | |
| Fuel surcharge | |||
| Fuel surcharge waiversame | Yes | Yes | |
| Fuel waiver cap | ₹250 | ₹100 | |
| Forex and international | |||
| Forex markupsame | 3.5% | 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 Fixed deposit of ₹30,000 or more 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
- ₹960
- Fee a year
- ₹0
- You keep
- ₹960
- Rewards a year
- ₹1,212
- Fee a year
- ₹0
- You keep
- ₹1,212
At this spend, SBI BPCL Credit Card comes out ₹252 a year ahead of BOBCARD Prime 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
- Anyone who wants no annual fee, ever
- Daily commuters who fuel at BPCL
- First-time card users
- People wanting a low-fee fuel card
Watch-Outs
- Skip it if most of your spending is groceries, fuel, rent or insurance: those earn nothing on this card
- Skip it if you often pay in foreign currency: 3.5% is added to every foreign spend
- Skip it if you sometimes pay only the minimum due: interest of 3.75% a month (45% a year) outweighs any reward
- 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 (BOBCARD Prime 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, BOBCARD Prime Credit Card or SBI BPCL Credit Card?
BOBCARD Prime Credit Card. BOBCARD Prime Credit Card: no annual fee; SBI BPCL Credit Card: ₹499. Check whether a spend-based waiver applies before you decide.
Which is better for spending abroad?
BOBCARD Prime Credit Card has the lowest forex markup. BOBCARD Prime Credit Card: 3.5%; 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: BOBCARD Prime Credit Card 0.4%, 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 ₹1,000 a Year in India (2026)Credit cards with an annual fee of ₹1,000 or less (before GST) in 2026, ranked by the reward rate each bank states, with fee waivers.Read the guide →
Credit CardsTata Neu HDFC Credit Card: Claim Your NeuCoins from 25 November 2026From 25 November 2026, NeuCoins earned on a Tata Neu HDFC Bank credit card no longer reach your Tata Neu account by themselves. You claim them in the Tata Neu App within 12 months, or they expire. Here is what changes, how to claim, and the dates that matter.Read the guide →- 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 →
