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HDFC Bank Titanium Edge 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: 3 July 2026

Both HDFC Bank Titanium Edge Credit Card and BPCL SBI Credit Card suit shopping-focused spenders, but they earn and cost differently. HDFC Bank Titanium Edge Credit Card is lifetime-free and earns 2 Reward Points for every ₹150 spent, with 3 RP on dining spends. BPCL SBI Credit Card costs Rs. 499 + GST and earns 4.25% Valueback on fuel. 5 points per Rs. 100 on select categories & 1 point on others. HDFC Bank Titanium Edge Credit Card also brings zero liability protection against lost/stolen cards if reported immediately, while BPCL SBI Credit Card counters with get 2,000 Activation Bonus Reward Points worth Rs. 500 on payment of the joining fee. If shopping spending matters more, go with HDFC Bank Titanium Edge Credit Card; if fuel is the priority, BPCL SBI Credit Card fits better.

HDFC Bank Titanium Edge Credit Card
HDFC Bank Titanium Edge Credit Card
BPCL SBI Credit Card
BPCL SBI Credit Card

Fees & Charges

Joining FeeLifetime Free
Joining Fee₹499 + GST
Renewal FeeLifetime Free
Renewal Fee₹499 + GST
Spend Based WaiverRenewal fee waived on spending Rs. 50,000 or more in the previous anniversary year.
Spend Based WaiverRenewal fee waived if annual spends for the preceding year are Rs. 50,000 or more.
Foreign Transaction Fees3.5% on all foreign currency spends.
Foreign Transaction Fees3.5% of the transaction amount.
Interest Rate (APR)Interest rate is 3.49% per month.
Interest Rate (APR)Monthly 3.5%-3.75% (42-45% annually).

Rewards & Benefits

Welcome BonusNo welcome benefits are offered with this credit card.
Welcome BonusGet 2,000 Activation Bonus Reward Points worth Rs. 500 on payment of the joining fee.
Rewards RateEarn 2 Reward Points for every ₹150 spent, with 3 RP on dining spends.
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, waived for cash credit redemption.
Reward Redemption FeeRs. 99 (plus applicable taxes) per redemption request.

Travel & Lifestyle

Domestic Lounge AccessNot Applicable
Domestic Lounge AccessNot Applicable
International Lounge AccessNot Applicable
International Lounge AccessNot Applicable
Travel BenefitsNot Applicable
Travel BenefitsNot Applicable
Movie BenefitsNot Applicable
Movie BenefitsEarn 5 Reward Points on every Rs. 100 spent on movie tickets (5X Reward Points).
Dining BenefitsEarn 50% more Reward Points on dining (3 RP for every Rs. 150 spend).
Dining BenefitsEarn 5 Reward Points on every Rs. 100 spent on dining (5X Reward Points).
Golf BenefitsNot Applicable
Golf BenefitsNot Applicable
Fuel Surcharge Waiver1% waiver on fuel (Rs. 400-Rs. 5,000), max Rs. 250/billing cycle.
Fuel Surcharge Waiver1% waiver up to Rs. 100 per billing cycle on transactions up to Rs. 4,000 at BPCL pumps.

Security & Other

Insurance BenefitsZero liability protection against lost/stolen cards if reported immediately.
Insurance BenefitsNot Applicable
Cash Advance Charges2.5% of withdrawn amount, minimum 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.

HDFC Bank Titanium Edge Credit Card

BPCL SBI Credit Card

Who is it for?

The HDFC Bank Titanium Edge Credit Card is an entry-level credit card designed for individuals new to credit or those seeking an affordable option with a decent reward rate. It comes with a zero joining fee and can be made lifetime free by spending Rs. 50,000 or more in an anniversary year. The card offers a base reward rate of 2 Reward Points for every Rs. 150 spent, with accelerated rewards on dining. It's a practical choice for everyday spending.

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.

Zero joining fee and easily waivable renewal fee makes it budget-friendly.

Offers accelerated rewards on dining, making it good for foodies.

Provides a decent 1% fuel surcharge waiver, saving money on fuel expenses.

Comes with EMV chip and zero liability protection for secure transactions.

An interest-free period of up to 50 days helps manage your monthly finances better.

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.

Lack of premium benefits like airport lounge access and comprehensive travel features.

A redemption fee of Rs. 99 applies for most reward point redemptions.

High foreign currency markup of 3.5% makes international spending expensive.

The card offers no specific welcome benefits, which some users might expect.

Reward points are only valid for two years, requiring timely redemption.

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 HDFC Bank Titanium Edge Credit Card(opens in new tab)Apply for BPCL SBI Credit Card(opens in new tab)