BPCL SBI Card vs HDFC Millennia Credit Card

• 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

• Renewal Offer: Spend Rs. 1 lakh or more in the previous 12 months to waive the renewal membership fee for the next year
• Avail 5% Cashback on Amazon, BookMyShow, Cult.fit, Flipkart, Myntra, Sony LIV, Swiggy, Tata CLiQ, Uber and Zomato
• Avail 1% cashback on all other spends
• Get Rs. 1000 worth of gift vouchers on spends of Rs. 1,00,000 and above in each calendar quarter
• Up to 20% discount on partnered restaurants via Swiggy Dineout
• Zero lost card liability
• Up to 50 days of interest-free period from the date of purchase
• Revolving Credit is available at a nominal interest rate 
• Enjoy amazing dining benefits with the Good Food Trail program
• Save up to 20% on your restaurant bill payments at more than 20,000 restaurants with Swiggy Dineout. This offer includes both restaurant and Swiggy discounts and is only available for payments made through the Swiggy App
• Lounge access has been added to the quarterly spend milestone program, effective from December 1, 2023. Once a user achieves a quarterly spend milestone, they can choose to receive either a Dreamfolks airport lounge access voucher or a Rs. 1000 voucher from a list of available brands
• 1% fuel surcharge waiver at all fuel stations in India. This is valid on transactions between Rs. 400 and Rs. 5000 
• Convert big spends into EMI after purchase
• This card is equipped with contactless payment technology for added convenience and speed

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

Pros

• Get 7% Reward points on every Shoppers Stop spends
• Get 2% Reward points on every Non-Shoppers Stop spends
• Enjoy Complimentary Shoppers Stop Black membership worth Rs. 4500

Cons

• No golf/coaching sessions
• No proper lounge access benefits