Apollo SBI Card vs BPCL SBI Card

• Get complimentary Apollo Gold Tier Membership
• Get 3X Reward Points on every Rs. 100 spent on all Apollo services
• Get 10% Instant Discount at Select Apollo Services
• On every Rs. 100 spent on Dining, Movies & Entertainment, get 2X Reward Points

• Reward Points will be credited after 20 days of the payment of joining fee and the same can be redeemed instantly against fuel purchase at BPCL outlets, BPCL Vouchers or at Shop n Smile rewards catalogue
• 4.25% Value-back ~ 13X Reward Points on fuel purchases at BPCL petrol pumps. Maximum 1300 Reward Points per billing cycle
• 3.25% + 1% Fuel surcharge waiver on every transaction up to Rs. 4,000
• Avail 5X Reward Points on every Rs. 100 spent at Groceries, Departmental stores, Movies and Dining. Get up to 5000 Reward Points per month
• Get 1 Reward Point for every Rs. 100 spent on non-fuel retail purchases
• Flexible Instant Redemption Program at select 1200 BPCL petrol pumps
• 4.25 % Valueback (13X* Reward Points equivalent to 3.25% + 1% Fuel surcharge waiver on every transaction of up to Rs. 4,000), at any BPCL petrol pump across India. Maximum surcharge waiver of Rs. 100 in a month, which is equivalent to an Annual Savings of Rs. 1200. Surcharge Waiver applicable only on transactions up to Rs. 4,000/- for a max of Rs. 100 per month. Annual Savings of 70 liters of fuel
• Transfer the outstanding balance of other banks’ credit cards to your BPCL SBI Card, and avail a lower rate of interest and pay back in EMIs
• With Flexipay, convert your transactions in easy monthly installments. Make any purchase for Rs. 2,500 or more using your BPCL SBI Card , and log in with your username and password to sbicard.com within 30 days of purchase to convert it into Flexipay
• Renewal Fee reversible if annual spends for last year ≥ Rs. 50,000

Pros                                                                                                                                                                                                                                                                                                                                                                                                   

• Convert Reward Point into Health Credits
• Get 10% Instant Discount at Select Apollo Services
• Complimentary Apollo Gold Tier Membership                                                                                                       

Cons 

• The reward points earned can only be redeemed to avail services at Apollo Healthcare Centers and related stores
• The complimentary OneApollo Silver Tier Membership doesn’t add much value as it could be availed by simply enrolling for the program for a decent cost or even for free. If they had to give this benefit, they should have probably offered a Gold Tier Membership to the program, which otherwise requires the person to spend a high fee for it in a year
• No Golf/coaching sessions

Pros

• 4.25% Value-back ~ 13X Reward Points on fuel purchases at BPCL petrol pumps. Maximum 1300 Reward Points per billing cycle
• 3.25% + 1% Fuel surcharge waiver on every transaction up to Rs. 4,000
• Avail 5X Reward Points on every Rs. 100 spent at Groceries, Departmental stores, Movies and Dining. Get up to 5000 Reward Points per month

Cons

• No golf benefits
• No complimentary airport lounge access