SBI Card PULSE 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 PULSEState Bank of India4 recent changes → |  SBI BPCL Credit CardState Bank of India3 recent changes → | |
|---|---|---|---|
| Rewards by spend | |||
| Rewards | 0.5% base, up to 2.5% on dining | 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 | 0.5% | 0.25% | |
| Dining and food delivery | 2.5% | 1.25% | |
| Groceries | 0.5% | 1.25% | |
| Travel: flights, hotels, trains | 0.5% | 0.25% | |
| Fuel | Earns nothing | Earns nothing; 3.25% only at Bharat Petroleum | |
| Bills and recharges | 0.5% | 0.25% | |
| Rentsame | Earns nothing | Earns nothing | |
| Insurance premiums | 0.5% | 0.25% | |
| School and college fees | 0.5% | 0.25% | |
| Wallet top-upssame | Earns nothing | Earns nothing | |
| Taxes and government payments | Earns nothing | Not stated | |
| Spend abroad or in a foreign currency | 0.5% | 0.25% | |
| Everything else | 0.5% | 0.25% | |
| Card identity | |||
| Card type | Dining | Fuel | |
| Networksame | Visa | Visa | |
| Card tiersame | Mid | Mid | |
| Fees | |||
| Joining fee | ₹1,499 + GST | ₹499 + GST | |
| Annual fee | ₹1,499 + GST | ₹499 + GST | |
| Fee waived at | ₹2,00,000 | ₹1,00,000 | |
| Eligibility | |||
| Employment typesame | BOTH | BOTH | |
| Rewards | |||
| Reward typesame | Reward points | Reward points | |
| Point valuesame | ₹0 | ₹0 | |
| Fuel surcharge | |||
| Fuel surcharge waiver | No | Yes | |
| Fuel waiver cap | - | ₹100 | |
| Lounge access | |||
| Domestic lounge visits | 4 | - | |
| International lounge visits | 0 | - | |
| Lounge programme | PRIORITY_PASS | - | |
| Priority Pass | Yes | No | |
| Lounge condition | 4 complimentary domestic airport lounge visits a year (1 per quarter), with no spend condition, plus a complimentary Priority Pass membership worth $99 for the first two years, the membership only, international visits are paid | - | |
| 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) | 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
- ₹0
- You keep
- ₹2,400
- Rewards a year
- ₹1,212
- Fee a year
- ₹0
- You keep
- ₹1,212
At this spend, SBI Card PULSE 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
- Dining: 2.5% back, up to ₹1,875 a month
- Spending ₹16,667 or more a month: the ₹1,769 fee is waived
- Flyers: 4 airport lounge visits a year
- 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 ₹16,667 a month (₹2,00,000 a year, rent and wallet loads not counted): the ₹1,769 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 rarely spend on dining: the 2.5% rate applies only there, everything else earns 0.5%
- 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, India Credit Card Facts, CC BY 4.0, adapted by SkyloFin.
Questions People Ask
Which has the lower annual fee, SBI Card PULSE or SBI BPCL Credit Card?
SBI BPCL Credit Card. SBI BPCL Credit Card: ₹499; SBI Card PULSE: ₹1,499. Check whether a spend-based waiver applies before you decide.
Which is better for spending abroad?
SBI Card PULSE has the lowest forex markup. SBI Card PULSE: 3.5%; 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 PULSE 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.
- 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 →- GuidesBest Online Shopping Credit Cards in India (2026)The credit cards that pay the most back on online shopping in 2026, which sites count, the monthly cap and the annual fee.Read the guide →
