Shaurya Select SBI Card vs SBI 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 |  Shaurya Select SBI CardState Bank of India5 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) | 0.5% | Earns nothing | |
| Online shopping | 0.5% | 0.25% | |
| Dining and food delivery | 2.5% | 1.25% | |
| Groceries | 2.5% | 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 | |
| Network | RuPay | Visa | |
| Card tiersame | Mid | Mid | |
| Fees | |||
| Joining fee | Free | ₹499 + GST | |
| Annual fee | ₹1,499 + GST | ₹499 + GST | |
| Fee waived at | ₹1,50,000 | ₹1,00,000 | |
| Eligibility | |||
| Employment type | SALARIED | 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 | 4 | - | |
| International lounge visits | 0 | - | |
| Lounge condition | 4 complimentary domestic airport lounge visits every year (max 1 per quarter) | - | |
| Forex and international | |||
| Forex markupsame | 3.5% | 3.5% | |
| UPI rewards | |||
| Works on UPI | Yes | No | |
| Interest and charges | |||
| Interest rate (monthly) | 2.75% | - | |
| Interest rate (annual) | 33% | - | |
| Page content | |||
| Documents needed | PAN card Aadhaar / address proof Defence service ID / proof of service 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
- ₹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, Shaurya Select SBI 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
- Dining: 2.5% back, up to ₹1,500 a month
- Groceries: 2.5% back, up to ₹1,500 a month
- Spending ₹12,500 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 ₹12,500 a month (₹1,50,000 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 rarely spend on dining or groceries: the 2.5% rate applies only there, everything else earns 0.5%
- 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 (Shaurya Select SBI Card, SBI BPCL Credit Card), India Credit Card Facts, CC BY 4.0, adapted by SkyloFin.
Questions People Ask
Which has the lower annual fee, Shaurya Select SBI Card or SBI BPCL Credit Card?
SBI BPCL Credit Card. SBI BPCL Credit Card: ₹499; Shaurya Select SBI Card: ₹1,499. Check whether a spend-based waiver applies before you decide.
Which is better for spending abroad?
Shaurya Select SBI Card has the lowest forex markup. Shaurya Select SBI Card: 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: Shaurya Select SBI Card 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
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