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BPCL SBI Credit Card VS SimplySAVE SBI 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.
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Last updated: 21 July 2026

Both SimplySAVE SBI Card and BPCL SBI Credit Card suit dining-focused spenders, but they earn and cost differently. SimplySAVE SBI Card costs ₹499 + GST and earns 10X RP/Rs. 150 on dining, movies, departmental stores, groceries. 1 RP/Rs. 150 on other spends. BPCL SBI Credit Card costs ₹499 + GST and earns 4.25% Valueback on fuel. 5 points per Rs. 100 on select categories & 1 point on others. SimplySAVE SBI Card also brings receive 2,000 Bonus Reward Points by spending Rs. 2,000+ within 60 days of card issuance, while BPCL SBI Credit Card counters with get 2,000 Activation Bonus Reward Points worth Rs. 500 on payment of the joining fee. If movies spending matters more, go with SimplySAVE SBI Card; if fuel is the priority, BPCL SBI Credit Card fits better.

BPCL SBI Credit Card
BPCL SBI Credit Card
SimplySAVE SBI Card
SimplySAVE SBI Card

Fees & Charges

Joining Fee₹499 + GST
Joining Fee₹499 + GST
Renewal Fee₹499 + GST
Renewal Fee₹499 + GST
Spend Based WaiverRenewal fee waived if annual spends for the preceding year are Rs. 50,000 or more.
Spend Based WaiverThe renewal fee is reversed if annual spends for the last year are Rs. 1,00,000 or more.
Foreign Transaction Fees3.5% of the transaction amount.
Foreign Transaction Fees
Interest Rate (APR)Monthly 3.5%-3.75% (42-45% annually).
Interest Rate (APR)

Rewards & Benefits

Welcome BonusGet 2,000 Activation Bonus Reward Points worth Rs. 500 on payment of the joining fee.
Welcome BonusReceive 2,000 Bonus Reward Points by spending Rs. 2,000+ within 60 days of card issuance.
Rewards Rate4.25% Valueback on fuel. 5 points per Rs. 100 on select categories & 1 point on others.
Rewards Rate10X RP/Rs. 150 on dining, movies, departmental stores, groceries. 1 RP/Rs. 150 on other spends.
Reward TypeReward Points
Reward TypeReward Points
Reward Redemption FeeRs. 99 (plus applicable taxes) per redemption request.
Reward Redemption Fee

Travel & Lifestyle

Domestic Lounge AccessNot Applicable
Domestic Lounge Access
International Lounge AccessNot Applicable
International Lounge Access
Travel BenefitsNot Applicable
Travel Benefits
Movie BenefitsEarn 5 Reward Points on every Rs. 100 spent on movie tickets (5X Reward Points).
Movie BenefitsEarn 10X Reward Points per Rs. 150 spent on movies.
Dining BenefitsEarn 5 Reward Points on every Rs. 100 spent on dining (5X Reward Points).
Dining BenefitsEarn 10X Reward Points per Rs. 150 spent on dining.
Golf BenefitsNot Applicable
Golf Benefits
Fuel Surcharge Waiver1% waiver up to Rs. 100 per billing cycle on transactions up to Rs. 4,000 at BPCL pumps.
Fuel Surcharge Waiver1% fuel surcharge waiver on transactions Rs. 500-3,000, max Rs. 100 per statement cycle.

Security & Other

Insurance BenefitsNot Applicable
Insurance Benefits
Cash Advance Charges2.5% of withdrawn amount, subject to a minimum charge of Rs. 500.
Cash Advance Charges
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Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

BPCL SBI Credit Card

SimplySAVE SBI Card

Who is it for?

The BPCL SBI Card is an excellent entry-level credit card, co-branded with BPCL, ideal for everyday users. It offers significant value back on fuel purchases at BPCL stations, with a total of 4.25% value back, including a fuel surcharge waiver. Beyond fuel, cardholders benefit from accelerated reward points on common spending categories such as dining, groceries, departmental stores, and movies. This card provides practical savings on essential expenses with a nominal annual fee, making it a great choice for maximizing daily expenditures.

Who is it for?

The SimplySAVE SBI Card is an entry-level credit card designed to make everyday spending more rewarding, offering accelerated reward points on common categories like dining, movies, departmental stores, and groceries. It provides significant value for individuals who frequently spend in these areas, coupled with a beneficial fuel surcharge waiver and a welcome bonus for new cardholders. The card's focus on high-frequency categories and its spend-based renewal fee reversal make it a strong contender for an entry-level or mid-range card, maximizing savings on daily expenses.

Pros

Key benefits and features.

Offers great reward points and significant value back on fuel transactions at BPCL petrol pumps across India.

The BPCL SBI Card is highly accessible due to its competitive and low joining cost of just Rs. 499.

Provides attractive rewards on various everyday spending categories like groceries, dining, and movie tickets.

Pros

Key benefits and features.

Receive 2,000 Bonus Reward Points upon meeting initial spend criteria.

Earn 10X Reward Points on popular categories like dining, movies, and groceries.

Benefit from a 1% fuel surcharge waiver, capped at Rs. 100 per statement cycle.

Annual renewal fee can be waived by spending Rs. 1,00,000 or more in the previous year.

Enjoy the convenience of add-on cards for family members with no annual fee.

Cons

Key drawbacks and limitations.

Cardholders will not receive any complimentary domestic or international airport lounge access.

There are no specific insurance benefits or covers included as part of this credit card's offerings.

Reward points are not earned on transactions for mobile wallet uploads or fuel purchases outside BPCL stations.

Cons

Key drawbacks and limitations.

The reward rate for spends outside accelerated categories is a standard 1X, which is lower.

No specific travel or lounge access benefits are offered with the SimplySAVE SBI Card.

The maximum fuel surcharge waiver is limited to Rs. 100 per statement cycle.

How We Compare These Cards

Every comparison on CardsForYou is built from the same verified data set we use across the site - joining and renewal fees, reward rates, forex markup, lounge access, and insurance benefits - sourced directly from each issuer and refreshed regularly. We highlight the lower-cost option on fees automatically, but "best" always depends on your own spending pattern: a card that wins on annual fee may lose on reward rate for a heavy spender, and vice versa. Use the table above alongside your own typical monthly spend to judge real value, not just the headline numbers.

Ready to Choose?

Based on your comparison, select the credit card that best matches your spending habits and financial goals.
Apply for BPCL SBI Credit Card(opens in new tab)Apply for SimplySAVE SBI Card(opens in new tab)