SBI Card AURUM vs BPCL 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 Card AURUMState Bank of India5 recent changes → |  SBI BPCL Credit CardState Bank of India3 recent changes → | |
|---|---|---|---|
| Rewards by spend | |||
| Rewards | 1% on most spends | 0.25% base, up to 1.25% on dining; 3.25% only at partner merchants | |
| UPI payments (scan and pay)same | Earns nothing | Earns nothing | |
| Online shopping | 1% | 0.25% | |
| Dining and food delivery | 1% | 1.25% | |
| Groceries | 1% | 1.25% | |
| Travel: flights, hotels, trains | 1% | 0.25% | |
| Fuel | Earns nothing | Earns nothing; 3.25% only at Bharat Petroleum | |
| Bills and recharges | 1% | 0.25% | |
| Rentsame | Earns nothing | Earns nothing | |
| Insurance premiums | 1% | 0.25% | |
| School and college fees | 1% | 0.25% | |
| Wallet top-upssame | Earns nothing | Earns nothing | |
| Taxes and government payments | Earns nothing | Not stated | |
| Spend abroad or in a foreign currency | 1% | 0.25% | |
| Everything else | 1% | 0.25% | |
| Card identity | |||
| Card type | Rewards | Fuel | |
| Network | Mastercard | Visa | |
| Card tier | Super premium | Mid | |
| Fees | |||
| Joining fee | ₹9,999 + GST | ₹499 + GST | |
| Annual fee | ₹9,999 + GST | ₹499 + GST | |
| Fee waived at | ₹12,00,000 | ₹1,00,000 | |
| Eligibility | |||
| Employment type | - | 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 | 16 | - | |
| International lounge unlimited | Yes | No | |
| Lounge programme | DREAMFOLKS | - | |
| Lounge condition | 16 domestic lounge visits a year (4 per quarter, add-on cardholders included) + unlimited international access via a complimentary DreamFolks membership, plus one guest visit per quarter. The ₹ figure is our internal estimate, SBI publishes the counts, n | - | |
| Forex and international | |||
| Forex markup | 1.99% | 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
- ₹2,400
- Fee a year
- - ₹11,799
- You keep
- - ₹9,399
- Rewards a year
- ₹1,212
- Fee a year
- ₹0
- You keep
- ₹1,212
At this spend, SBI BPCL Credit Card comes out ₹10,611 a year ahead of SBI Card AURUM. 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
- Spending ₹1,00,000 or more a month: the ₹11,799 fee is waived
- Frequent flyers: unlimited airport lounge visits
- Spending abroad: 1.99% markup, most cards add 3.5%
- Daily commuters who fuel at BPCL
- First-time card users
- People wanting a low-fee fuel card
Watch-Outs
- Skip it if you spend less than ₹1,00,000 a month (₹12,00,000 a year, rent and wallet loads not counted): the ₹11,799 fee is then charged
- Skip it if most of your spending is fuel, rent, wallet top-ups 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 sometimes pay only the minimum due: interest of 3.75% a month (45% a year) outweighs any reward
- Only about 0.25% on regular spends
- Monthly caps on fuel points
- No lounge access
- 3.5% forex fee
Card data sourced via CardAdvisor.in (SBI Card AURUM, SBI BPCL Credit Card), India Credit Card Facts, CC BY 4.0, adapted by SkyloFin.
Questions People Ask
Which has the lower annual fee, SBI Card AURUM or SBI BPCL Credit Card?
SBI BPCL Credit Card. SBI BPCL Credit Card: ₹499; SBI Card AURUM: ₹9,999. Check whether a spend-based waiver applies before you decide.
Which is better for spending abroad?
SBI Card AURUM has the lowest forex markup. SBI Card AURUM: 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 Card AURUM 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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