SBI Card Unnati 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: 1 October 2026.
| Feature |  SBI Card UnnatiState Bank of India5 recent changes → |  SBI BPCL Credit CardState Bank of India3 recent changes → | |
|---|---|---|---|
| Rewards by spend | |||
| Rewards | 0.25% 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 shoppingsame | 0.25% | 0.25% | |
| Dining and food delivery | 0.25% | 1.25% | |
| Groceries | 0.25% | 1.25% | |
| Travel: flights, hotels, trainssame | 0.25% | 0.25% | |
| Fuel | Earns nothing | Earns nothing; 3.25% only at Bharat Petroleum | |
| 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 | 0.25% | Earns nothing | |
| Taxes and government payments | Earns nothing | Not stated | |
| Spend abroad or in a foreign currencysame | 0.25% | 0.25% | |
| Everything elsesame | 0.25% | 0.25% | |
| Card identity | |||
| Card type | Rewards | Fuel | |
| Networksame | Visa | Visa | |
| Card tier | Entry | Mid | |
| Fees | |||
| Joining fee | Free | ₹499 + GST | |
| Annual feesame | ₹499 + GST | ₹499 + GST | |
| Fee waived at | - | ₹1,00,000 | |
| 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 | |
| Forex and international | |||
| Forex markupsame | 3.5% | 3.5% | |
| Page content | |||
| Documents needed | PAN card Aadhaar / address proof SBI fixed-deposit proof (Rs.25,000+) Income proof (salary slips or ITR) Recent passport-size photograph | 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
- ₹600
- Fee a year
- - ₹589
- You keep
- ₹11
- Rewards a year
- ₹1,212
- Fee a year
- ₹0
- You keep
- ₹1,212
At this spend, SBI BPCL Credit Card comes out ₹1,201 a year ahead of SBI Card Unnati. 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
Nothing stands out from the published figures.
- 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 ₹20,000 a month: below that the ₹589 fee costs more than the rewards
- Skip it if most of your spending is fuel, rent 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 often pay in foreign currency: 3.5% is added to every foreign spend
- 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 Unnati, 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 Unnati or SBI BPCL Credit Card?
They charge the same annual fee. SBI Card Unnati: ₹499; SBI BPCL Credit Card: ₹499.
Which is better for spending abroad?
SBI Card Unnati has the lowest forex markup. SBI Card Unnati: 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 Unnati 0.25%, 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
Other Comparisons
- SBI Card Unnati vs Federal Scapia Credit cardSide by side →
- SBI Card Unnati vs SBI SimplySAVE Credit CardSide by side →
- SBI Card Unnati vs SBI BPCL Octane Credit CardSide by side →
- 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 →
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 →
