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AU Corporate Credit Card VS BPCL SBI Credit Card

A detailed, side-by-side look at 2 leading credit cards. Analyze the features that matter most to you and make an informed choice.
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Last updated: 18 July 2026

AU Corporate is a free business expense card with no personal rewards program, built for centralised billing and multi-employee card issuance rather than fuel savings. BPCL SBI Card charges ₹499 + GST but delivers a strong 4.25% valueback on fuel at BPCL pumps plus rewards on dining and movies - a personal everyday-fuel card. A business managing a fleet or team's fuel and travel spend should use AU Corporate's centralised tools; an individual who fuels regularly at BPCL will get more direct value from the SBI card's fuel-specific cashback.

AU Corporate Credit Card
AU Corporate Credit Card
BPCL SBI Credit Card
BPCL SBI Credit Card

Fees & Charges

Joining FeeLifetime Free
Joining Fee₹499 + GST
Renewal FeeLifetime Free
Renewal Fee₹499 + GST
Spend Based Waiver
Spend Based WaiverRenewal fee waived if annual spends for the preceding year are Rs. 50,000 or more.
Foreign Transaction Fees2.99%
Foreign Transaction Fees3.5% of the transaction amount.
Interest Rate (APR)3.49% per month; 41.88% annually
Interest Rate (APR)Monthly 3.5%-3.75% (42-45% annually).

Rewards & Benefits

Welcome Bonus
Welcome BonusGet 2,000 Activation Bonus Reward Points worth Rs. 500 on payment of the joining fee.
Rewards Rate
Rewards Rate4.25% Valueback on fuel. 5 points per Rs. 100 on select categories & 1 point on others.
Reward Type
Reward TypeReward Points
Reward Redemption Fee
Reward Redemption FeeRs. 99 (plus applicable taxes) per redemption request.

Travel & Lifestyle

Domestic Lounge AccessTwo complimentary visits to domestic airport lounges every quarter.
Domestic Lounge AccessNot Applicable
International Lounge Access
International Lounge AccessNot Applicable
Travel BenefitsComplimentary domestic airport lounge access and travel protections up to ₹50,000 for various travel inconveniences.
Travel BenefitsNot Applicable
Movie Benefits
Movie BenefitsEarn 5 Reward Points on every Rs. 100 spent on movie tickets (5X Reward Points).
Dining Benefits
Dining BenefitsEarn 5 Reward Points on every Rs. 100 spent on dining (5X Reward Points).
Golf Benefits
Golf BenefitsNot Applicable
Fuel Surcharge Waiver1% waiver for transactions between ₹400-₹5,000, capped at ₹200 per statement cycle.
Fuel Surcharge Waiver1% waiver up to Rs. 100 per billing cycle on transactions up to Rs. 4,000 at BPCL pumps.

Security & Other

Insurance BenefitsComprehensive insurance coverage, including air accident cover up to ₹50 lakhs and travel protections.
Insurance BenefitsNot Applicable
Cash Advance Charges2.5% of the over-limit amount (minimum ₹500)
Cash Advance Charges2.5% of withdrawn amount, subject to a minimum charge of Rs. 500.
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Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

AU Corporate Credit Card

BPCL SBI Credit Card

Who is it for?

The AU Corporate Credit Card is a lifetime-free solution from AU Bank, designed to streamline business expense management. It offers significant cost savings with zero joining and renewal fees, alongside valuable benefits like complimentary domestic airport lounge access and a fuel surcharge waiver. Businesses also gain comprehensive insurance coverage and an integrated web-based tool for efficient expense tracking. This card is ideal for companies prioritizing financial efficiency, security, and simplified operations.

Who is it for?

The BPCL SBI Card is an excellent entry-level credit card, co-branded with BPCL, ideal for everyday users. It offers significant value back on fuel purchases at BPCL stations, with a total of 4.25% value back, including a fuel surcharge waiver. Beyond fuel, cardholders benefit from accelerated reward points on common spending categories such as dining, groceries, departmental stores, and movies. This card provides practical savings on essential expenses with a nominal annual fee, making it a great choice for maximizing daily expenditures.

Pros

Key benefits and features.

Integrated web-based tool for easy expense tracking and efficient management.

Zero liability for fraudulent transactions if the card is reported lost or stolen.

Enjoy significant cost savings with zero joining and renewal fees, making it a lifetime-free card.

Access complimentary domestic airport lounges twice every quarter for comfortable travel.

Benefit from comprehensive insurance coverage, including air accident cover up to ₹50 lakhs.

Pros

Key benefits and features.

Offers great reward points and significant value back on fuel transactions at BPCL petrol pumps across India.

The BPCL SBI Card is highly accessible due to its competitive and low joining cost of just Rs. 499.

Provides attractive rewards on various everyday spending categories like groceries, dining, and movie tickets.

Cons

Key drawbacks and limitations.

The card lacks welcome benefits and any additional rewards programs for users.

A foreign currency markup of 2.99% can increase costs for international business transactions.

High annual interest rate of 41.88% makes carrying balances expensive for businesses.

Cons

Key drawbacks and limitations.

Cardholders will not receive any complimentary domestic or international airport lounge access.

There are no specific insurance benefits or covers included as part of this credit card's offerings.

Reward points are not earned on transactions for mobile wallet uploads or fuel purchases outside BPCL stations.

How We Compare These Cards

Every comparison on CardsForYou is built from the same verified data set we use across the site - joining and renewal fees, reward rates, forex markup, lounge access, and insurance benefits - sourced directly from each issuer and refreshed regularly. We highlight the lower-cost option on fees automatically, but "best" always depends on your own spending pattern: a card that wins on annual fee may lose on reward rate for a heavy spender, and vice versa. Use the table above alongside your own typical monthly spend to judge real value, not just the headline numbers.

Ready to Choose?

Based on your comparison, select the credit card that best matches your spending habits and financial goals.
Apply for AU Corporate Credit Card(opens in new tab)Apply for BPCL SBI Credit Card(opens in new tab)