SBI BPCL Credit Card vs Card Unnati 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: 1 October 2026.
| Feature |  SBI BPCL Credit CardState Bank of India3 recent changes → |  SBI Card UnnatiState Bank of India5 recent changes → | |
|---|---|---|---|
| Rewards by spend | |||
| Rewards | 0.25% base, up to 1.25% on dining; 3.25% only at partner merchants | 0.25% on most spends | |
| UPI payments (scan and pay)same | Earns nothing | Earns nothing | |
| Online shoppingsame | 0.25% | 0.25% | |
| Dining and food delivery | 1.25% | 0.25% | |
| Groceries | 1.25% | 0.25% | |
| Travel: flights, hotels, trainssame | 0.25% | 0.25% | |
| Fuel | Earns nothing; 3.25% only at Bharat Petroleum | Earns nothing | |
| Bills and rechargessame | 0.25% | 0.25% | |
| Rentsame | Earns nothing | Earns nothing | |
| Insurance premiumssame | 0.25% | 0.25% | |
| School and college feessame | 0.25% | 0.25% | |
| Wallet top-ups | Earns nothing | 0.25% | |
| Taxes and government payments | Not stated | Earns nothing | |
| Spend abroad or in a foreign currencysame | 0.25% | 0.25% | |
| Everything elsesame | 0.25% | 0.25% | |
| Card identity | |||
| Card type | Fuel | Rewards | |
| Networksame | Visa | Visa | |
| Card tier | Mid | Entry | |
| Fees | |||
| Joining fee | ₹499 + GST | Free | |
| Annual feesame | ₹499 + GST | ₹499 + GST | |
| Fee waived at | ₹1,00,000 | - | |
| Eligibility | |||
| Employment typesame | BOTH | BOTH | |
| Rewards | |||
| Reward typesame | Reward points | Reward points | |
| Point valuesame | ₹0 | ₹0 | |
| Fuel surcharge | |||
| Fuel surcharge waiversame | Yes | Yes | |
| Fuel waiver cap | ₹100 | - | |
| Forex and international | |||
| Forex markupsame | 3.5% | 3.5% | |
| Page content | |||
| Documents needed | PAN card Aadhaar / address proof Income proof (salary slips or ITR) Recent passport-size photograph | PAN card Aadhaar / address proof SBI fixed-deposit proof (Rs.25,000+) 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
- ₹1,212
- Fee a year
- ₹0
- You keep
- ₹1,212
- Rewards a year
- ₹600
- Fee a year
- - ₹589
- You keep
- ₹11
At this spend, SBI BPCL Credit Card comes out ₹1,201 a year ahead of SBI Card Unnati. 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
- Daily commuters who fuel at BPCL
- First-time card users
- People wanting a low-fee fuel card
Nothing stands out from the published figures.
Watch-Outs
- Only about 0.25% on regular spends
- Monthly caps on fuel points
- No lounge access
- 3.5% forex fee
- Skip it if you spend less than ₹20,000 a month: below that the ₹589 fee costs more than the rewards
- Skip it if most of your spending is fuel, rent or government payments: 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 often pay in foreign currency: 3.5% is added to every foreign spend
Card data sourced via CardAdvisor.in (SBI BPCL Credit Card, SBI Card Unnati), India Credit Card Facts, CC BY 4.0, adapted by SkyloFin.
Questions People Ask
Which has the lower annual fee, SBI BPCL Credit Card or SBI Card Unnati?
They charge the same annual fee. SBI BPCL Credit Card: ₹499; SBI Card Unnati: ₹499.
Which is better for spending abroad?
SBI BPCL Credit Card has the lowest forex markup. SBI BPCL Credit Card: 3.5%; SBI Card Unnati: 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: SBI BPCL Credit Card 0.25%, SBI Card Unnati 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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