Kotak Cashback+ 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 |  Kotak Cashback+ Prime Credit CardKotak Mahindra Bank1 recent change → |  SBI BPCL Credit CardState Bank of India3 recent changes → | |
|---|---|---|---|
| Rewards by spend | |||
| Rewards | 0.5% base, up to 5% on dining | 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 | 0.5% | 0.25% | |
| Dining and food delivery | 5% | 1.25% | |
| Groceries | 5% | 1.25% | |
| Travel: flights, hotels, trains | 0.5% | 0.25% | |
| Fuel | 3% | Earns nothing; 3.25% only at Bharat Petroleum | |
| Bills and recharges | Earns nothing | 0.25% | |
| Rentsame | Earns nothing | Earns nothing | |
| Insurance premiums | 0.5% | 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 | 0.5% | 0.25% | |
| Everything else | 0.5% | 0.25% | |
| Card identity | |||
| Card type | Dining | Fuel | |
| Networksame | Visa | Visa | |
| Card tiersame | Mid | Mid | |
| Fees | |||
| Joining fee | ₹750 + GST | ₹499 + GST | |
| Annual fee | ₹750 + GST | ₹499 + GST | |
| Fee waived at | ₹2,00,000 | ₹1,00,000 | |
| Eligibility | |||
| Min age | 18 years | - | |
| Employment typesame | BOTH | BOTH | |
| Rewards | |||
| Reward type | Cashback | Reward points | |
| Point value | ₹1 | ₹0 | |
| Fuel surcharge | |||
| Fuel surcharge waiversame | Yes | Yes | |
| Fuel waiver cap | ₹3,500 | ₹100 | |
| Forex and international | |||
| Forex markupsame | 3.5% | 3.5% | |
| Interest and charges | |||
| Interest rate (monthly) | 3.75% | - | |
| Interest rate (annual) | 45% | - | |
| Page content | |||
| Documents needed | PAN card Aadhaar / valid address proof Latest 3 months bank statement Income proof, salary slips (salaried) or ITR (self-employed) 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
- ₹3,900
- Fee a year
- ₹0
- You keep
- ₹3,900
- Rewards a year
- ₹1,212
- Fee a year
- ₹0
- You keep
- ₹1,212
At this spend, Kotak Cashback+ Prime Credit Card comes out ₹2,688 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
- Frequent food and grocery delivery users
- Daily commuters who buy fuel
- People who prefer cashback over points
- Streaming and online entertainment users
- Daily commuters who fuel at BPCL
- First-time card users
- People wanting a low-fee fuel card
Watch-Outs
- Only 0.5% on all other spends
- Monthly caps limit the 5% and 3% rates
- 3.5% forex markup
- No lounge access
- 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 (Kotak Cashback+ 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, Kotak Cashback+ Prime Credit Card or SBI BPCL Credit Card?
SBI BPCL Credit Card. SBI BPCL Credit Card: ₹499; Kotak Cashback+ Prime Credit Card: ₹750. Check whether a spend-based waiver applies before you decide.
Which is better for spending abroad?
Kotak Cashback+ Prime Credit Card has the lowest forex markup. Kotak Cashback+ 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: Kotak Cashback+ Prime Credit Card 0.5%, 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 →
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