vs
In short: BPCL SBI has the lower annual fee (₹499 vs ₹2,999); both charge a 3.5% forex markup.
| Key facts | BPCL SBI | SBI Tata Select |
|---|---|---|
| Annual fee | ₹499 | ₹2,999 |
| Joining fee | ₹499 | Not listed |
| Annual fee waived | On ₹50,000 annual spend | Not listed |
| Top reward rate | 13 Reward Points on Fuel Purchases at BPCL Petrol Pumps | Up to 5% Value Back on Spends on Tata Outlets |
| Base rewards | 1 Reward Points on Non-Fuel Retail Purchases. | 1 Empower Point on Retail |
| Lounge access | Not listed | 8 airport lounge visits a year |
| Forex markup | 3.5% | 3.5% |
From issuer benefit data, checked 5 Nov 2026. Milestones, welcome benefits and caps are in the full table below.
On ₹20,000 a month with ₹5,000 at each card's top rate, the two return about the same (₹2,400 vs ₹4,800 a year after fees).
| Spend profile | BPCL SBI | SBI Tata Select |
|---|---|---|
| Reward value: top rate / base rate | 3.25% / 0.25% | 5% / 1% |
| ₹20,000 a month, all general spends | ₹600 | ₹2,400 |
| ₹20,000 a month, ₹5,000 of it at each card's top rate | ₹2,400 | ₹4,800 |
| Annual fee | ₹499 | ₹2,999 |
Estimates from the earn rates above, with stated cashback caps applied, before exclusions. Reward points are valued at the card's best listed redemption (often travel or vouchers via the bank's portal); cash-back on the statement is usually worth less. Annual fees may be waived on spend (see the table below).
The Bpcl Sbi Card Visa Platinum Credit Card and the Sbi Card Tata Select Credit Card both cater to different spending preferences, with the former focused on fuel rewards at BPCL petrol pumps and the latter offering broader retail and Tata outlet benefits. While the BPCL SBI card has a lower joining and renewal fee with a fuel surcharge waiver specific to BPCL, the Tata Select card provides multiple lounge accesses and milestone rewards but comes with a higher annual fee. Both cards charge a 3.5% forex markup and offer welcome benefits.
Comparison notes and quick badges use AI, grounded in the benefit data shown in the table. Confirm details on each issuer’s site.
Last updated:
| Feature | Bpcl Sbi Card Visa Platinum Credit Card | Sbi Card Tata Select Credit Card |
|---|---|---|
| Bank | SBI Cards | SBI Cards |
| Network | Visa | Visa |
| Joining fee | Joining Fee of Rs.499 | — |
| Annual / renewal fee | Renewal Fee of Rs.499 | Annual Fee of Rs.2999 |
| Annual fee waiver | Spend Rs.50000 For Waiver of Renewal Fee | — |
| Top reward rate | 13 Reward Points on Fuel Purchases at BPCL Petrol Pumps | Get Upto 5% Value Back on Spends on Tata Outlets |
| Base rate (other spends) | Earn 1 Reward Points on Non-Fuel Retail Purchases. | Earn 1 Empower Point on Retail |
| Lounge — domestic | — | 8 Complimentary Airport Lounge Access Per Year |
| Fuel surcharge waiver | 1% Fuel surcharge waiver on every BPCL transaction | 1% Fuel Surcharge Waiver |
| Welcome benefit | Welcome Benefit - Get 2000 Activation Bonus Reward Points | Welcome Benefits - e- Gift Voucher Worth Rs.3000 |
| Milestone benefit | — | Anniversary Gift - Spends of Rs.2 Lakhs in the Previous Year; Get Rewards on Annual Spending of Rs. 4 Lakhs |
| Foreign currency markup | 3.5% - Foreign Currency Transactions | 3.5% - Foreign Currency Transactions |
When it comes to rewards, the Sbi Card Tata Select Credit Card offers a stronger proposition with up to 5% value back on Tata outlets and triple points on international spends, dining, and grocery, compared to the BPCL SBI card's top reward rate of 13 points per Rs. 100 spent on BPCL fuel purchases. The Tata Select card's base earn rate is also higher at 1 Empower Point per retail spend, while the BPCL SBI card earns 1 Reward Point on non-fuel retail purchases. At Rs. 20,000 monthly spend, the Tata Select card yields about Rs. 4,800 in yearly rewards versus Rs. 2,400 for the BPCL SBI card, making the Tata Select better for diversified rewards.
For travel-related benefits, the Tata Select card stands out with 8 complimentary domestic airport lounge accesses per year, enhancing the travel experience for frequent flyers. The BPCL SBI card does not list any lounge access benefits in our data. Both cards have the same 3.5% forex markup fee, which is on the higher side for foreign currency transactions. Therefore, the Tata Select card is preferable for travel convenience and lounge access.
The BPCL SBI card charges a joining and renewal fee of Rs. 499 each, with a renewal fee waiver if you spend Rs. 50,000 annually. In contrast, the Tata Select card has a higher annual fee of Rs. 2,999 with no fee waiver listed in our data. This makes the BPCL SBI card a more cost-effective option for users who want to keep fees low or are new to credit cards. However, the Tata Select card's higher fee is offset by its richer rewards and benefits if you can maximize them.
The BPCL SBI card offers a 1% fuel surcharge waiver exclusively on BPCL transactions, which is beneficial if you primarily fuel at BPCL pumps. The Tata Select card provides a 1% fuel surcharge waiver across all petrol pumps, offering more flexibility for fuel purchases.
The Tata Select card includes milestone benefits such as anniversary gifts and rewards on annual spending thresholds of Rs. 2 lakhs, Rs. 4 lakhs, and Rs. 5 lakhs, which can add significant value for high spenders. The BPCL SBI card does not list milestone benefits in our data.
Consider Bpcl Sbi Card Visa Platinum Credit Card if you frequently purchase fuel at BPCL petrol pumps and want to benefit from a high reward rate on fuel spends along with a low joining and renewal fee. It is also suitable if you prefer a card with a straightforward fee waiver condition and are looking for modest rewards on other categories like dining and groceries.
Consider Sbi Card Tata Select Credit Card if you want a card with a broader range of rewards across Tata outlets, dining, groceries, and international spends, along with the advantage of 8 complimentary domestic airport lounge accesses annually. This card is ideal for those who can leverage milestone benefits and are comfortable paying a higher annual fee for enhanced rewards and travel perks.
The Bpcl Sbi Card Visa Platinum Credit Card has a joining and renewal fee of Rs. 499 each, with a renewal fee waiver if you spend Rs. 50,000 annually. The Sbi Card Tata Select Credit Card has an annual fee of Rs. 2,999 with no fee waiver listed.
The Bpcl Sbi Card Visa Platinum Credit Card offers 13 Reward Points on fuel purchases at BPCL petrol pumps, while the Sbi Card Tata Select Credit Card provides a 1% fuel surcharge waiver but no accelerated fuel reward points.
The Sbi Card Tata Select Credit Card offers 8 complimentary domestic airport lounge accesses per year. The Bpcl Sbi Card Visa Platinum Credit Card does not list any lounge access benefits in our data.
Both cards charge a 3.5% forex markup fee on foreign currency transactions.
The Bpcl Sbi Card Visa Platinum Credit Card offers 2000 activation bonus reward points, while the Sbi Card Tata Select Credit Card provides an e-gift voucher worth Rs. 3000.
The Sbi Card Tata Select Credit Card offers milestone benefits including anniversary gifts and rewards on annual spending milestones. The Bpcl Sbi Card Visa Platinum Credit Card does not list milestone benefits in our data.