BPCL SBI Credit Card vs IndianOil Kotak 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.
Fees & Charges
Joining Fee
₹499 + GST
INR 449 + GST
Renewal Fee
₹499 + GST
INR 449 + GST
Spend Based Waiver
Annual renewal fee waived off on spending a minimum of ₹50,000 in the preceding year.
Annual fee waived on spending INR 50,000 or more in the previous anniversary year.
Foreign Transaction Fees
3.5% of the transaction amount.
3.5% markup on all international transactions.
Interest Rate (APR)
3.75% Per Month (45% Per Annum).
Monthly interest rate of 3.75% or 45% per annum on outstanding balances.
Rewards & Benefits
Welcome Bonus
Receive 2,000 Activation Bonus Reward Points, equivalent to ₹500, upon joining fee payment.
Get 1000 Reward Points as a welcome benefit on spending INR 500 or more within 30 days of card issuance.
Rewards Rate
Earn 13X on BPCL fuel (3.25%), 5X on dining, movies, groceries & departmental stores (1.25%).
Earn 24 RPs on every INR 150 on fuel (4% back) & 12 RPs on dining/groceries (2% back).
Reward Type
Reward Points
Reward Points
Reward Redemption Fee
₹99 plus applicable taxes per redemption request.
Nil
Travel & Lifestyle
Domestic Lounge Access
Not Applicable
Not Applicable
International Lounge Access
Not Applicable
Not Applicable
Travel Benefits
Not Applicable
Not Applicable
Movie Benefits
Earn 5X Reward Points (1.25% reward rate) on movie spends, capped at 5,000 points monthly.
Not Applicable
Dining Benefits
Earn 5X Reward Points (1.25% reward rate) on dining spends, capped at 5,000 points monthly.
Get 2% back as Reward Points on Grocery and Dining spends, capped at 800 RPs per cycle.
Golf Benefits
Not Applicable
Not Applicable
Fuel Surcharge Waiver
1% waiver on fuel transactions up to ₹4,000, capped at ₹100 per month.
1% waiver on fuel transactions (₹100-₹5000) at IndianOil, max ₹100 per statement cycle.
Security & Other
Insurance Benefits
Not Applicable
Personal accident insurance cover of INR 2,00,000 included for financial security.
Cash Advance Charges
2.5% of withdrawn amount, subject to a minimum charge of ₹500.
2.5% of cash withdrawn (min ₹500), or ₹300 for every ₹10,000 withdrawn.