IDFC FIRST Quantum Plus 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 Quantum Plus Credit CardIDFC First Bank |  SBI BPCL Credit CardState Bank of India3 recent changes → | |
|---|---|---|---|
| Rewards by spend | |||
| Rewards | 1% on most spends | 0.25% base, up to 1.25% on dining; 3.25% only at partner merchants | |
| UPI payments (scan and pay) | 1% | Earns nothing | |
| Online shopping | 1% | 0.25% | |
| Dining and food delivery | 1% | 1.25% | |
| Groceries | 1% | 1.25% | |
| Travel: flights, hotels, trains | 1% | 0.25% | |
| Fuel | Not stated | Earns nothing; 3.25% only at Bharat Petroleum | |
| Bills and recharges | Not stated | 0.25% | |
| Rent | Not stated | Earns nothing | |
| Insurance premiums | Not stated | 0.25% | |
| School and college fees | Not stated | 0.25% | |
| Wallet top-ups | Not stated | Earns nothing | |
| Taxes and government paymentssame | Not stated | Not stated | |
| Spend abroad or in a foreign currency | 1% | 0.25% | |
| Everything else | 1% | 0.25% | |
| Card identity | |||
| Card type | - | Fuel | |
| Network | RuPay | Visa | |
| Card tier | - | 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 | - | |
| Employment type | - | BOTH | |
| Rewards | |||
| Reward type | Cashback | Reward points | |
| Point value | - | ₹0 | |
| Fuel surcharge | |||
| Fuel surcharge waiver | No | Yes | |
| Fuel waiver cap | - | ₹100 | |
| Forex and international | |||
| Forex markupsame | 3.5% | 3.5% | |
| UPI rewards | |||
| Works on UPI | - | No | |
| 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
- ₹2,400
- Fee a year
- ₹0
- You keep
- ₹2,400
- Rewards a year
- ₹1,212
- Fee a year
- ₹0
- You keep
- ₹1,212
At this spend, IDFC FIRST Quantum Plus Credit Card comes out ₹1,188 a year ahead of SBI BPCL 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 building a credit score
- People without income proof
- Everyday spenders who want cashback with no fee
- Daily commuters who fuel at BPCL
- First-time card users
- People wanting a low-fee fuel card
Watch-Outs
- The limit is tied to the fixed deposit
- 3.5% markup on foreign spends
- Only 0.5% on bills, rent and insurance
- 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, IDFC FIRST Quantum Plus Credit Card or SBI BPCL Credit Card?
IDFC FIRST Quantum Plus Credit Card. IDFC FIRST Quantum Plus 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?
IDFC FIRST Quantum Plus Credit Card has the lowest forex markup. IDFC FIRST Quantum Plus 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: IDFC FIRST Quantum Plus Credit Card 1%, 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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