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Delhi Metro SBI Credit Card VS BPCL SBI 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.
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Last updated: 1 May 2026
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CheQ AU Credit Card

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Delhi Metro SBI Credit Card
Delhi Metro SBI Credit Card
BPCL SBI Credit Card
BPCL SBI Credit Card

Fees & Charges

Joining Fee₹500 + GST
Joining Fee₹499 + GST
Renewal Fee₹500 + GST
Renewal Fee₹499 + GST
Spend Based WaiverRenewal fee waiver on ₹1,00,000 annual spend from second year.
Spend Based WaiverRenewal fee waived if annual spends for the preceding year are Rs. 50,000 or more.
Foreign Transaction Fees3.5% on the conversion amount.
Foreign Transaction Fees3.5% of the transaction amount.
Interest Rate (APR)3.5% per month (42% per annum).
Interest Rate (APR)Monthly 3.5%-3.75% (42-45% annually).

Rewards & Benefits

Welcome Bonus2000 Reward Points on ₹2000 spend in 60 days & ₹50 free Metro cash on Delhi Metro Smart card.
Welcome BonusGet 2,000 Activation Bonus Reward Points worth Rs. 500 on payment of the joining fee.
Rewards Rate10 RP per ₹100 on select categories (Dining, Movies, Groceries, Dept. stores, Utilities); 1 RP per ₹100 on others.
Rewards Rate4.25% Valueback on fuel. 5 points per Rs. 100 on select categories & 1 point on others.
Reward TypeReward Points
Reward TypeReward Points
Reward Redemption FeeRs 99 per redemption request.
Reward Redemption FeeRs. 99 (plus applicable taxes) per redemption request.

Travel & Lifestyle

Domestic Lounge Access
Domestic Lounge AccessNot Applicable
International Lounge Access
International Lounge AccessNot Applicable
Travel BenefitsDesigned for Delhi Metro commuters with auto top-up facility for smart card.
Travel BenefitsNot Applicable
Movie Benefits10X Reward Points on every ₹100 spent on movies.
Movie BenefitsEarn 5 Reward Points on every Rs. 100 spent on movie tickets (5X Reward Points).
Dining Benefits10X Reward Points on every ₹100 spent on dining.
Dining BenefitsEarn 5 Reward Points on every Rs. 100 spent on dining (5X Reward Points).
Golf Benefits
Golf BenefitsNot Applicable
Fuel Surcharge Waiver1% waiver on fuel transactions (₹500-₹3000) at all fuel stations.
Fuel Surcharge Waiver1% waiver up to Rs. 100 per billing cycle on transactions up to Rs. 4,000 at BPCL pumps.

Security & Other

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

Delhi Metro SBI Credit Card

BPCL SBI Credit Card

Who is it for?

The Delhi Metro SBI Credit Card is a basic, multi-purpose credit card designed for individuals who frequently use the Delhi Metro for their daily commute. It functions as both a credit card and a smart card, offering an auto top-up facility. Key benefits include accelerated reward points on everyday spending categories like dining, movies, groceries, departmental stores, and utility bill payments, along with a renewal fee waiver based on annual spending. This card is ideal for daily commuters looking to save on travel and everyday expenses.

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.

Pros

Key benefits and features.

Functions as a multi-purpose card, serving as both a credit card and a Delhi Metro Smart card.

Offers convenient auto top-up of ₹200 for your Delhi Metro Smart card balance.

Earn up to 10X reward points on dining, movies, groceries, and utility bill payments.

Benefit from a renewal fee waiver upon reaching the specified annual spending threshold.

Enjoy a 1% fuel surcharge waiver on transactions at all fuel stations across India.

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.

Cons

Key drawbacks and limitations.

A reward redemption fee of ₹99 is charged for every redemption request made.

The Delhi Metro SBI Credit Card levies a relatively high foreign currency markup fee of 3.5%.

It carries high interest rates of 3.5% per month, totaling 42% per annum.

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.

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 Delhi Metro SBI Credit Card(opens in new tab)Apply for BPCL SBI Credit Card(opens in new tab)