SBI BPCL vs Swiggy Ornge HDFC Bank 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 → |  Swiggy Ornge HDFC Bank Credit CardHDFC Bank5 recent changes → | |
|---|---|---|---|
| Rewards by spend | |||
| Rewards | 0.25% base, up to 1.25% on dining; 3.25% only at partner merchants | 1% on most spends; 5% only at partner merchants | |
| UPI payments (scan and pay)same | Earns nothing | Earns nothing | |
| Online shopping | 0.25% | 1%; 5% only at Amazon, Flipkart, Nykaa, Ajio, Cleartrip, Netflix, Uber, Croma and other select online | |
| Dining and food delivery | 1.25% | 1%; 5% only at Swiggy app, Food, Instamart, Dineout | |
| 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% | 1% | |
| Rentsame | Earns nothing | Earns nothing | |
| Insurance premiums | 0.25% | 1% | |
| 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 | Dining | |
| Network | Visa | Mastercard | |
| Card tiersame | Mid | Mid | |
| Fees | |||
| Joining fee | ₹499 + GST | ₹500 + GST | |
| Annual fee | ₹499 + GST | ₹500 + GST | |
| Fee waived at | ₹1,00,000 | ₹1,50,000 | |
| Eligibility | |||
| Min age | - | 21 years | |
| Max age | - | 60 years | |
| Employment type | BOTH | - | |
| Min monthly salary | - | ₹20,000 | |
| Rewards | |||
| Reward type | Reward points | Cashback | |
| Point value | ₹0 | ₹1 | |
| 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) | - | 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 | - | |
| 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
- ₹0
- You keep
- ₹2,400
At this spend, Swiggy Ornge HDFC Bank Credit Card comes out ₹1,188 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
- Regular Swiggy users
- A first cashback card
Watch-Outs
- Only about 0.25% on regular spends
- Monthly caps on fuel points
- No lounge access
- 3.5% forex fee
- Monthly caps on the 5% rates
- 3.5% markup on foreign spends
Card data sourced via CardAdvisor.in (SBI BPCL Credit Card, Swiggy Ornge HDFC Bank 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 Swiggy Ornge HDFC Bank Credit Card?
SBI BPCL Credit Card. SBI BPCL Credit Card: ₹499; Swiggy Ornge HDFC Bank Credit Card: ₹500. 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%; Swiggy Ornge HDFC Bank 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: Swiggy Ornge HDFC Bank 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.
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- 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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