PhonePe SBI Card PURPLE VS IRCTC SBI Card Premier VS Apollo SBI Credit Card VS BPCL SBI Octane Credit Card
Fees & Charges
Rewards & Benefits
Travel & Lifestyle
Security & Other
PhonePe SBI Card PURPLE
IRCTC SBI Card Premier
Apollo SBI Credit Card
BPCL SBI Octane Credit Card
Who is it for?
Who is it for?
Who is it for?
Who is it for?
Pros
Key benefits and features.
Enjoy a high reward rate of 3% on all eligible PhonePe spends, maximizing value.
Receive a valuable milestone benefit: a ₹3,000 Yatra voucher on ₹3 lakhs annual spend.
Benefit from a welcome PhonePe Gift Card worth ₹500, adding immediate value upon joining.
The annual fee is easily waived on a reasonable annual spend of just ₹1 lakh.
Enhanced security features with Chip and PIN technology protect your transactions effectively.
Pros
Key benefits and features.
Offers significant savings and rewards for frequent Indian Railways travelers.
Generous 1:1 reward point value, with 1500 bonus points offsetting joining fee.
Enjoy complimentary railway lounge access and waivers on IRCTC booking fees.
Achieve annual fee waiver on spends over Rs. 2 Lakhs, enhancing long-term value.
Pros
Key benefits and features.
Offers exclusive healthcare benefits and instant discounts at select Apollo Services.
Provides additional discounts when using the card at Apollo Hospitals for medical treatments.
Earns accelerated reward points on healthcare expenditures, maximizing savings on wellness.
Includes appealing welcome benefits, providing significant value upon card activation.
Offers reward points on general spending categories like dining, movies, entertainment.
Pros
Key benefits and features.
High value back of 7.25% on fuel purchases at BPCL stations.
Accelerated 10X Reward Points on dining, movies, groceries, and departmental stores.
Complimentary domestic airport lounge access (4 visits annually).
Valuable welcome benefit of 6,000 Reward Points worth ₹1,500.
Opportunity to earn e-Gift Vouchers worth ₹2,000 on achieving annual spend milestones.
Cons
Key drawbacks and limitations.
Lack of explicit details on interest rates, foreign currency markup, and other common charges.
No explicit mention of lounge access or other premium travel/lifestyle benefits.
Reward earning caps are not specified for any category, leading to uncertainty.
The term 'eligible' spends implies unstated exclusions for reward earning.
Cons
Key drawbacks and limitations.
A redemption fee of Rs. 99 applies to each reward point redemption request.
High foreign currency markup of 3.5% for all international transactions.
Certain valuable insurance benefits like air/rail accident cover will be discontinued.
A 1% charge is levied on online railway ticket cancellations booked with the card.
Cons
Key drawbacks and limitations.
The card's specialized focus primarily benefits frequent users of Apollo healthcare services.
Its value proposition is somewhat limited for individuals not regularly using Apollo Centres.
Lounge access and premium travel benefits may vary greatly depending on the specific card variant.
Reward point redemption is restricted only to Apollo Health Credits, services, or vouchers.
The base variant of the Apollo SBI Card lacks both domestic and international lounge access.
Cons
Key drawbacks and limitations.
A reward redemption fee of ₹99 + taxes applies to most redemption requests, except for fuel.
No international lounge access or specific international travel benefits.
Reward points for fuel and other categories are capped monthly.
The annual fee is higher than the base BPCL SBI Card variant.