SBI BPCL vs Elite 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 Elite 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 | 0.5% base, up to 2.5% on dining | |
| UPI payments (scan and pay)same | Earns nothing | Earns nothing | |
| Online shopping | 0.25% | 0.5% | |
| Dining and food delivery | 1.25% | 2.5% | |
| Groceries | 1.25% | 2.5% | |
| Travel: flights, hotels, trains | 0.25% | 0.5% | |
| Fuel | Earns nothing; 3.25% only at Bharat Petroleum | Earns nothing | |
| Bills and recharges | 0.25% | 0.5% | |
| Rentsame | Earns nothing | Earns nothing | |
| Insurance premiums | 0.25% | 0.5% | |
| School and college fees | 0.25% | 0.5% | |
| Wallet top-upssame | Earns nothing | Earns nothing | |
| Taxes and government payments | Not stated | Earns nothing | |
| Spend abroad or in a foreign currency | 0.25% | 0.5% | |
| Everything else | 0.25% | 0.5% | |
| Card identity | |||
| Card type | Fuel | Dining | |
| Network | Visa | Mastercard | |
| Card tier | Mid | Premium | |
| Fees | |||
| Joining fee | ₹499 + GST | ₹4,999 + GST | |
| Annual fee | ₹499 + GST | ₹4,999 + GST | |
| Fee waived at | ₹1,00,000 | ₹10,00,000 | |
| 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 | - | |
| Lounge access | |||
| Domestic lounge visits | - | 8 | |
| International lounge visits | - | 6 | |
| Lounge programme | - | PRIORITY_PASS | |
| Priority Pass | No | Yes | |
| Lounge condition | - | 8 domestic visits a year (2 a quarter) + 6 international Priority Pass visits a year (2 a quarter), with a complimentary Priority Pass membership | |
| Forex and international | |||
| Forex markup | 3.5% | 1.99% | |
| Interest and charges | |||
| Interest rate (monthly) | - | 3.75% | |
| Interest rate (annual) | - | 45% | |
| Page content | |||
| Documents needed | PAN card Aadhaar / address proof Income proof (salary slips or ITR) Recent passport-size photograph | PAN card Aadhaar / valid address proof Latest 3 months bank statement Income proof, salary slips (salaried) or ITR (self-employed) 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
- ₹2,400
- Fee a year
- - ₹5,899
- You keep
- - ₹3,499
At this spend, SBI BPCL Credit Card comes out ₹4,711 a year ahead of SBI Elite 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
- High earners who travel abroad
- Big dining and grocery spenders
- People who want many lounge visits
Watch-Outs
- Only about 0.25% on regular spends
- Monthly caps on fuel points
- No lounge access
- 3.5% forex fee
- Only about 0.5% on most spends
- ₹10 lakh waiver is very high
- Some big grocery chains excluded from 10X
Card data sourced via CardAdvisor.in (SBI BPCL Credit Card, SBI Elite 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 Elite Credit Card?
SBI BPCL Credit Card. SBI BPCL Credit Card: ₹499; SBI Elite Credit Card: ₹4,999. Check whether a spend-based waiver applies before you decide.
Which is better for spending abroad?
SBI Elite Credit Card has the lowest forex markup. SBI Elite Credit Card: 1.99%; 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: SBI Elite 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.
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