HDFC Doctor’s Superia Credit Card vs BPCL SBI Card

Joining Fees

₹1,000

₹499

Editor's Rating

3.5

3.9

Key Features

  • Avail 3 Reward Points for every Rs. 150 you spend. Accumulate Reward Points and redeem them for air miles on more than 20 international airlines or on any major domestic airline. You can also redeem your Reward Points for exciting gifts from an exclusive rewards catalogue, at the applicable redemption rate.
  • Enjoy 50% more reward points on dinner spends.
  • Doctor's Superia Credit Card provides protection worth up to Rs. 20 Lakh against costs arising due to professional negligence.
  • Get first year fee reversed if you spend Rs. 15,000 in first 90 days of card set-up date and renewal fee reversed if you spend Rs. 1,00,000 in a year prior to the renewal date.
  • 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

Editor's Review

Pros

  • Renewal Benefit: 1000 reward points
  • Any One Accident: Rs 4 Lakh & Deductible: Rs 25,000 for each & every claim
  • Reward points validity: Reward points are valid only for 2 years from the date of accumulation.

Cons

  • No golf/coaching sessions
  • No complimentary Airport Lounge access

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


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