Titan 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 |  Titan SBI CardState Bank of India |  SBI BPCL Credit CardState Bank of India3 recent changes → | |
|---|---|---|---|
| Rewards by spend | |||
| Rewards | 1.5% 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 | 1.5% | 0.25% | |
| Dining and food delivery | 1.5% | 1.25% | |
| Groceries | 1.5% | 1.25% | |
| Travel: flights, hotels, trains | 1.5% | 0.25% | |
| Fuel | Not stated | Earns nothing; 3.25% only at Bharat Petroleum | |
| Bills and recharges | Not stated | 0.25% | |
| Rent | Not stated | Earns nothing | |
| Insurance premiums | Not stated | 0.25% | |
| School and college fees | Not stated | 0.25% | |
| Wallet top-ups | Not stated | Earns nothing | |
| Taxes and government paymentssame | Not stated | Not stated | |
| Spend abroad or in a foreign currency | 1.5% | 0.25% | |
| Everything else | 1.5% | 0.25% | |
| Card identity | |||
| Card type | Rewards | Fuel | |
| Networksame | Visa | Visa | |
| Card tier | Premium | Mid | |
| Fees | |||
| Joining fee | ₹2,999 + GST | ₹499 + GST | |
| Annual fee | ₹2,999 + GST | ₹499 + GST | |
| Fee waived at | ₹3,00,000 | ₹1,00,000 | |
| Eligibility | |||
| Employment type | - | BOTH | |
| Rewards | |||
| Reward typesame | Reward points | Reward points | |
| Point value | - | ₹0 | |
| Fuel surcharge | |||
| Fuel surcharge waiversame | Yes | Yes | |
| Fuel waiver cap | - | ₹100 | |
| Lounge access | |||
| Domestic lounge visits | 8 | - | |
| International lounge visits | 4 | - | |
| Lounge programme | PRIORITY_PASS | - | |
| Priority Pass | Yes | No | |
| Forex and international | |||
| Forex markupsame | 3.5% | 3.5% | |
| UPI rewards | |||
| Works on UPI | - | No | |
| 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
- ₹3,600
- Fee a year
- - ₹3,539
- You keep
- ₹61
- Rewards a year
- ₹1,212
- Fee a year
- ₹0
- You keep
- ₹1,212
At this spend, SBI BPCL Credit Card comes out ₹1,151 a year ahead of Titan SBI 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
- Spending ₹25,000 or more a month: the ₹3,539 fee is waived
- Flyers: 12 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 ₹25,000 a month (₹3,00,000 a year, rent and wallet loads not counted): the ₹3,539 fee is then charged
- Skip it if you pay mostly by UPI: a Visa or Mastercard card cannot pay by UPI
- Skip it if you spend a lot on fuel, utility bills, rent or insurance: the card's terms do not state a rate there, so we count nothing
- 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 (Titan 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, Titan SBI Card or SBI BPCL Credit Card?
SBI BPCL Credit Card. SBI BPCL Credit Card: ₹499; Titan SBI Card: ₹2,999. Check whether a spend-based waiver applies before you decide.
Which is better for spending abroad?
Titan SBI Card has the lowest forex markup. Titan 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: Titan SBI Card 1.5%, 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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