IndusInd Bank Pioneer Legacy 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 |  IndusInd Bank Pioneer Legacy Credit CardIndusInd Bank5 recent changes → |  SBI BPCL Credit CardState Bank of India3 recent changes → | |
|---|---|---|---|
| Rewards by spend | |||
| Rewards | 1.29% 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 | 1.29% | 0.25% | |
| Dining and food delivery | 1.29% | 1.25% | |
| Groceries | 1.29% | 1.25% | |
| Travel: flights, hotels, trains | 1.29% | 0.25% | |
| Fuel | Earns nothing | Earns nothing; 3.25% only at Bharat Petroleum | |
| Bills and recharges | 0.7% | 0.25% | |
| Rent | 0.7% | Earns nothing | |
| Insurance premiums | 0.7% | 0.25% | |
| School and college fees | 0.7% | 0.25% | |
| Wallet top-ups | 1.29% | Earns nothing | |
| Taxes and government payments | 0.7% | Not stated | |
| Spend abroad or in a foreign currency | 1.29% | 0.25% | |
| Everything else | 1.29% | 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 | Free | ₹499 + GST | |
| Fee waived at | - | ₹1,00,000 | |
| Eligibility | |||
| Employment type | - | BOTH | |
| Rewards | |||
| Reward typesame | Reward points | Reward points | |
| Point value | ₹1 | ₹0 | |
| Fuel surcharge | |||
| Fuel surcharge waiversame | Yes | Yes | |
| Fuel waiver cap | - | ₹100 | |
| Lounge access | |||
| Domestic lounge visits | 4 | - | |
| International lounge visits | 8 | - | |
| Lounge programme | PRIORITY_PASS | - | |
| Priority Pass | Yes | No | |
| Lounge condition | Spend Rs 150,000 in the previous quarter for domestic lounge access | - | |
| Forex and international | |||
| Forex markup | 1.8% | 3.5% | |
| Interest and charges | |||
| Interest rate (monthly) | 3.83% | - | |
| Interest rate (annual) | 45.96% | - | |
| Redemption | |||
| Redemption fee | ₹100 | - | |
| 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
- ₹3,096
- Fee a year
- ₹0
- You keep
- ₹3,096
- Rewards a year
- ₹1,212
- Fee a year
- ₹0
- You keep
- ₹1,212
At this spend, IndusInd Bank Pioneer Legacy Credit Card comes out ₹1,884 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
- Anyone who wants no annual fee, ever
- Flyers: 12 airport lounge visits a year
- Spending abroad: 1.8% 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 most of your spending is fuel: those earn nothing on this card
- Skip it if you pay mostly by UPI: a Visa or Mastercard card cannot pay by UPI
- Skip it if you sometimes pay only the minimum due: interest of 3.83% a month (45.96% 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 (IndusInd Bank Pioneer Legacy 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, IndusInd Bank Pioneer Legacy Credit Card or SBI BPCL Credit Card?
IndusInd Bank Pioneer Legacy Credit Card. IndusInd Bank Pioneer Legacy 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?
IndusInd Bank Pioneer Legacy Credit Card has the lowest forex markup. IndusInd Bank Pioneer Legacy Credit Card: 1.8%; 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: IndusInd Bank Pioneer Legacy Credit Card 1.29%, 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.
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- 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 →
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