Kiwi Credit Cards 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 |  Kiwi Credit CardsKiwi, issued by AU Small Finance Bank5 recent changes → |  SBI BPCL Credit CardState Bank of India3 recent changes → | |
|---|---|---|---|
| Rewards by spend | |||
| Rewards | 1% base, up to 1.5% on UPI payments | 0.25% base, up to 1.25% on dining; 3.25% only at partner merchants | |
| UPI payments (scan and pay) | 1.5% | 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 | Earns nothing | Earns nothing; 3.25% only at Bharat Petroleum | |
| Bills and recharges | Earns nothing | 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 | 1% | 0.25% | |
| Everything else | 1% | 0.25% | |
| Card identity | |||
| Card type | Cashback | Fuel | |
| Network | RuPay | Visa | |
| Card tier | Entry | Mid | |
| Fees | |||
| Joining fee | Free | ₹499 + GST | |
| Annual fee | Free | ₹499 + GST | |
| Lifetime free | Yes | No | |
| First year free | Yes | No | |
| Fee waived at | - | ₹1,00,000 | |
| Eligibility | |||
| Min age | 22 years | - | |
| Max age | 55 years | - | |
| Employment typesame | BOTH | BOTH | |
| Min credit score | 720 | - | |
| Rewards | |||
| Reward type | Cashback | Reward points | |
| Point value | ₹1 | ₹0 | |
| Fuel surcharge | |||
| Fuel surcharge waiver | No | 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) | 3.99% | - | |
| Interest rate (annual) | 47.88% | - | |
| Redemption | |||
| Redemption method | Bank transfer | - | |
| Redemption fee | ₹0 | - | |
| Page content | |||
| Eligibility | Age: 18 to 65 years Min. income: ₹15,000/mo Employment: Salaried · Self-employed | - | |
| Documents needed | PAN card Aadhaar / valid address proof Income proof, salary slips (salaried) or ITR (self-employed) | 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
- ₹2,700
- Fee a year
- ₹0
- You keep
- ₹2,700
- Rewards a year
- ₹1,212
- Fee a year
- ₹0
- You keep
- ₹1,212
At this spend, Kiwi Credit Cards comes out ₹1,488 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 credit card users
- People who pay mostly by UPI QR codes
- Anyone wanting a free card to build a credit score
- Daily commuters who fuel at BPCL
- First-time card users
- People wanting a low-fee fuel card
Watch-Outs
- Headline 5% needs the paid Neon plan and big spends
- Only about 0.5% on non-UPI online spends
- Kiwis redeem only in blocks of 500 (Rs 125)
- 3.5% forex fee makes it poor abroad
- 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 (Kiwi Credit Cards, SBI BPCL Credit Card), India Credit Card Facts, CC BY 4.0, adapted by SkyloFin.
Questions People Ask
Which has the lower annual fee, Kiwi Credit Cards or SBI BPCL Credit Card?
Kiwi Credit Cards. Kiwi Credit Cards: no annual fee; SBI BPCL Credit Card: ₹499. Check whether a spend-based waiver applies before you decide.
Which is better for spending abroad?
Kiwi Credit Cards has the lowest forex markup. Kiwi Credit Cards: 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: Kiwi Credit Cards 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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Guides in Plain Words
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