SBI BPCL Credit Card vs Shaurya SBI 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 → |  Shaurya SBI 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 | 0.25% base, up to 1.25% on dining | |
| UPI payments (scan and pay) | Earns nothing | 0.25% | |
| Online shoppingsame | 0.25% | 0.25% | |
| Dining and food deliverysame | 1.25% | 1.25% | |
| Groceriessame | 1.25% | 1.25% | |
| 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 | Dining | |
| Network | Visa | RuPay | |
| Card tier | Mid | Entry | |
| Fees | |||
| Joining fee | ₹499 + GST | ₹250 + GST | |
| Annual fee | ₹499 + GST | ₹250 + GST | |
| Fee waived at | ₹1,00,000 | ₹50,000 | |
| Eligibility | |||
| Employment type | BOTH | SALARIED | |
| 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% | |
| Interest and charges | |||
| Interest rate (monthly) | - | 2.75% | |
| Interest rate (annual) | - | 33% | |
| Page content | |||
| Documents needed | PAN card Aadhaar / address proof Income proof (salary slips or ITR) Recent passport-size photograph | PAN card Aadhaar / address proof Defence service ID / proof of service 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
- ₹1,212
- Fee a year
- ₹0
- You keep
- ₹1,212
At this spend the two come out level. 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
- Dining: 1.25% back, up to ₹1,250 a month
- Groceries: 1.25% back, up to ₹1,250 a month
- Spending ₹4,167 or more a month: the ₹295 fee is waived
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 ₹4,167 a month (₹50,000 a year, rent and wallet loads not counted): the ₹295 fee is then charged
- Skip it if most of your spending is fuel, rent or government payments: those earn nothing on this card
- Skip it if you rarely spend on dining or groceries: the 1.25% rate applies only there, everything else earns 0.25%
- 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, Shaurya SBI 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 Shaurya SBI Card?
Shaurya SBI Card. Shaurya SBI Card: ₹250; SBI BPCL Credit Card: ₹499. 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%; Shaurya SBI 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 BPCL Credit Card 0.25%, Shaurya SBI 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
Other Comparisons
- SBI BPCL Credit Card vs SBI BPCL Octane Credit CardSide by side →
- SBI BPCL Credit Card vs HPCL ENERGIE BOBCARD Credit CardSide by side →
- SBI BPCL Credit Card vs IDFC FIRST HPCL Power+ Credit CardSide by side →
- Shaurya SBI Card vs HSBC Live Plus Credit CardSide by side →
- Shaurya SBI Card vs SBI SimplySAVE Credit CardSide by side →
- Shaurya SBI Card vs SBI BPCL Octane Credit CardSide by side →
We earn a commission if you are approved, and you pay nothing extra. How we make money.
Guides in Plain Words
Short reads that explain how it works before you decide.
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 →
GuidesNo-Cost EMI: What It Really Costs You, With a Worked ExampleNo-cost EMI is not a trick, but it is rarely free. Here is where the money goes: the discount you give up, the processing fee, and GST on the interest, worked out on a Rs 30,000 phone.Read the guide →
