IDFC FIRST Private 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 |  IDFC FIRST Private Credit CardIDFC First Bank5 recent changes → |  SBI BPCL Credit CardState Bank of India3 recent changes → | |
|---|---|---|---|
| Rewards by spend | |||
| Rewards | 1.67% on most spends | 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 | 1.67% | 0.25% | |
| Dining and food delivery | 1.67% | 1.25% | |
| Groceries | 1.67% | 1.25% | |
| Travel: flights, hotels, trains | 1.67% | 0.25% | |
| Fuel | Not stated | Earns nothing; 3.25% only at Bharat Petroleum | |
| Bills and recharges | 0.17% | 0.25% | |
| Rent | 0.17% | Earns nothing | |
| Insurance premiums | 0.17% | 0.25% | |
| School and college fees | 0.17% | 0.25% | |
| Wallet top-ups | 0.17% | Earns nothing | |
| Taxes and government payments | 0.17% | Not stated | |
| Spend abroad or in a foreign currency | 0.83% | 0.25% | |
| Everything else | 1.67% | 0.25% | |
| Card identity | |||
| Card type | Rewards | Fuel | |
| Networksame | Visa | Visa | |
| Card tier | Super premium | Mid | |
| Fees | |||
| Joining fee | ₹50,000 + GST | ₹499 + GST | |
| Annual fee | ₹25,000 + GST | ₹499 + GST | |
| Fee waived at | - | ₹1,00,000 | |
| Eligibility | |||
| Employment type | - | BOTH | |
| Rewards | |||
| Reward typesame | Reward points | Reward points | |
| Point valuesame | ₹0 | ₹0 | |
| Fuel surcharge | |||
| Fuel surcharge waiversame | Yes | Yes | |
| Fuel waiver cap | - | ₹100 | |
| Lounge access | |||
| Domestic lounge unlimited | Yes | No | |
| International lounge unlimited | Yes | No | |
| Lounge condition | Unlimited complimentary domestic and international airport lounge access for the primary cardholder | - | |
| Forex and international | |||
| Forex markup | None | 3.5% | |
| Interest and charges | |||
| Interest rate (monthly) | 0.75% | - | |
| Interest rate (annual) | 9% | - | |
| Redemption | |||
| Redemption fee | ₹0 | - | |
| Page content | |||
| Documents needed | - | 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
- ₹4,008
- Fee a year
- - ₹29,500
- You keep
- - ₹25,492
- Rewards a year
- ₹1,212
- Fee a year
- ₹0
- You keep
- ₹1,212
At this spend, SBI BPCL Credit Card comes out ₹26,704 a year ahead of IDFC FIRST Private 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
- Frequent flyers: unlimited airport lounge visits
- Spending abroad: 0% markup, most cards add 3.5%
- Daily commuters who fuel at BPCL
- First-time card users
- People wanting a low-fee fuel card
Watch-Outs
- Skip it if you spend less than ₹1,47,500 a month: below that the ₹29,500 fee costs more than the rewards
- Skip it if you pay mostly by UPI: a Visa or Mastercard card cannot pay by UPI
- Skip it if you spend a lot on fuel: the card's terms do not state a rate there, so we count nothing
- Skip it if you sometimes pay only the minimum due: interest of 0.75% a month (9% 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 (IDFC FIRST Private 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, IDFC FIRST Private Credit Card or SBI BPCL Credit Card?
SBI BPCL Credit Card. SBI BPCL Credit Card: ₹499; IDFC FIRST Private Credit Card: ₹25,000. Check whether a spend-based waiver applies before you decide.
Which is better for spending abroad?
IDFC FIRST Private Credit Card has the lowest forex markup. IDFC FIRST Private Credit Card: 0%; 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: IDFC FIRST Private Credit Card 1.67%, 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
Other Comparisons
- IDFC FIRST Private Credit Card vs Federal Scapia Credit cardSide by side →
- IDFC FIRST Private Credit Card vs SBI SimplySAVE Credit CardSide by side →
- IDFC FIRST Private Credit Card vs SBI BPCL Octane Credit CardSide by side →
- SBI BPCL Credit Card vs SBI BPCL Octane Credit CardSide by side →
- SBI BPCL Credit Card vs HPCL ENERGIE BOBCARD Credit CardSide by side →
- SBI BPCL Credit Card vs IDFC FIRST HPCL Power+ Credit CardSide by side →
We earn a commission if you are approved, and you pay nothing extra. How we make money.
Guides in Plain Words
Short reads that explain how it works before you decide.
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 →
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 →
