SBI BPCL vs Cashback 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 |  SBI BPCL Credit CardState Bank of India3 recent changes → |  SBI Cashback Credit CardState Bank of India5 recent changes → | |
|---|---|---|---|
| Rewards by spend | |||
| Rewards | 0.25% base, up to 1.25% on dining; 3.25% only at partner merchants | 1% base, up to 5% on online shopping | |
| UPI payments (scan and pay)same | Earns nothing | Earns nothing | |
| Online shopping | 0.25% | 5% | |
| Dining and food delivery | 1.25% | 1% | |
| Groceries | 1.25% | 1% | |
| Travel: flights, hotels, trains | 0.25% | 1% | |
| Fuel | Earns nothing; 3.25% only at Bharat Petroleum | Earns nothing | |
| Bills and recharges | 0.25% | Earns nothing | |
| Rentsame | Earns nothing | Earns nothing | |
| Insurance premiums | 0.25% | Earns nothing | |
| School and college fees | 0.25% | Earns nothing | |
| Wallet top-upssame | Earns nothing | Earns nothing | |
| Taxes and government payments | Not stated | Earns nothing | |
| Spend abroad or in a foreign currency | 0.25% | 1% | |
| Everything else | 0.25% | 1% | |
| Card identity | |||
| Card type | Fuel | Shopping | |
| Networksame | Visa | Visa | |
| Card tiersame | Mid | Mid | |
| Fees | |||
| Joining fee | ₹499 + GST | ₹999 + GST | |
| Annual fee | ₹499 + GST | ₹999 + GST | |
| Fee waived at | ₹1,00,000 | ₹2,00,000 | |
| Eligibility | |||
| Employment typesame | BOTH | BOTH | |
| Min credit score | - | 650 | |
| Rewards | |||
| Reward type | Reward points | Cashback | |
| Point value | ₹0 | ₹1 | |
| Fuel surcharge | |||
| Fuel surcharge waiversame | Yes | Yes | |
| Fuel waiver capsame | ₹100 | ₹100 | |
| Forex and international | |||
| Forex markupsame | 3.5% | 3.5% | |
| Interest and charges | |||
| Interest rate (monthly) | - | 3.75% | |
| Interest rate (annual) | - | 45% | |
| Page content | |||
| Eligibility | - | Age: 21 to 65 years Employment: Both salaried and self-employed individuals Minimum Income: Rs 30,000 Credit Score: 650+ with no delayed payments in the past 12 months New-to-Credit: Allowed only for salaried applicants | |
| Documents needed | PAN card Aadhaar / address proof Income proof (salary slips or ITR) Recent passport-size photograph | ID Proof: PAN Card/Form 60 Address Proof: Aadhaar, Passport, or utility bills Income Proof: Bank statements or salary slips Photograph: Recent passport-sized photo | |
| 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
- ₹4,800
- Fee a year
- ₹0
- You keep
- ₹4,800
At this spend, SBI Cashback Credit Card comes out ₹3,588 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
- Daily commuters who fuel at BPCL
- First-time card users
- People wanting a low-fee fuel card
- Heavy online shoppers
- People who want plain cashback, not points
- Shoppers who use many different websites
Watch-Outs
- Only about 0.25% on regular spends
- Monthly caps on fuel points
- No lounge access
- 3.5% forex fee
- No cashback on utilities, insurance, fuel, rent, wallets or EMIs
- 5% stops after Rs 40,000 online spend a month
- No airport lounge access
- 3.5% forex fee
Card data sourced via CardAdvisor.in (SBI BPCL Credit Card, SBI Cashback Credit Card), 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 Cashback Credit Card?
SBI BPCL Credit Card. SBI BPCL Credit Card: ₹499; SBI Cashback Credit Card: ₹999. Check whether a spend-based waiver applies before you decide.
Which is better for spending abroad?
SBI BPCL Credit Card has the lowest forex markup. SBI BPCL Credit Card: 3.5%; SBI Cashback 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: SBI Cashback 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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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 →
Credit CardsTata Neu HDFC Credit Card: Claim Your NeuCoins from 25 November 2026From 25 November 2026, NeuCoins earned on a Tata Neu HDFC Bank credit card no longer reach your Tata Neu account by themselves. You claim them in the Tata Neu App within 12 months, or they expire. Here is what changes, how to claim, and the dates that matter.Read the guide →- GuidesBest Credit Cards Under ₹500 a Year in India (2026)Credit cards with an annual fee of ₹500 or less (before GST) in 2026, ranked by the reward rate each bank states, with fee waivers.Read the guide →
