BPCL SBI Card vs YES FIRST Exclusive Credit Card
Joining Fees
₹499
₹9,999
Editor's Rating
3.9
4.4
Key Features
- 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
- One complimentary Golf Lesson every calendar month at select golf courses in India
- Complimentary Priority Pass Membership and Unlimited Complimentary Visits outside India for Primary and all Add-on Cardmembers
- Dedicated Website for Flight/Hotel/Movie ticket booking on Reward Points redemption
- 25% discount on movie tickets when booked on BookMyShow Website or Mobile App
Editor's Review
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
- 24 Reward Points per Rs. 200 spent on Travel Agencies & Tour Operators, Domestic Airlines and Dining
- 12 Reward Points per Rs. 200 spent on all other categories
- Life Insurance Cover
Cons
- Low reward rate
- Limited redemption options
