SimplifyCards take
A quick decision view before the full facts.
Good fit if: you want a card built for fuel, bpcl, and bharatgas.
Why it can work
It combines complimentary airport lounge access and accelerated rewards on fuel and lubricant purchases at bpcl petrol pumps.
Where value may drop
The renewal fee is waived only on Rs 2 lakh of annual spend. Monthly reward caps apply on the top categories. The 3.5% forex markup is high for overseas use.
Quick facts
The key fields before the full details.
Reward calculator
Enter your monthly spend to estimate how many reward points you earn and what they are worth.
What your points are worth
Same points, very different value depending on how you redeem.
How you earn it
| Category | Monthly spend | Reward Points/yr |
|---|---|---|
| Dining & food delivery | Rs 4,000 | 4,800 |
| Fuel | Rs 3,000 | 9,000 |
| Groceries | Rs 5,000 | 6,000 |
| Utility bills | Rs 3,000 | 9,000 |
| Other spends | Rs 8,000 | 960 |
Estimates only. Reward rates, caps, and redemption values follow each bank's current terms and can change.
Best for / avoid if
Who this card suits — and who should skip it.
Best for Fuel And Lubricant Purchases At BPCL Petrol Pumps
25 Reward Points / Rs 100
Best for airport lounge access
4 complimentary lounge visits a year across domestic and international.
Avoid for heavy international use
A 3.5% forex markup is on the higher side for overseas spends.
Avoid if you expect uncapped rewards
Top reward categories are capped each month, so very high spends don't scale linearly.
Rewards and redemption
Earn rates, caps, and how points convert to value.
| Category | Rate | Monthly cap |
|---|---|---|
| Fuel and lubricant purchases at BPCL petrol pumps | 25 Reward Points / Rs 100 | 2,500 reward points |
| Bharatgas online payments | 25 Reward Points / Rs 100 | 2,500 reward points |
| Grocery, departmental stores, movies, and dining | 10 Reward Points / Rs 100 | 5,000 reward points |
| Other eligible non-fuel retail spends | 1 Reward Point / Rs 100 | - |
Redemption
Lounge and milestone rules
The spend conditions worth knowing before you rely on a benefit.
- 4 complimentary domestic airport lounge visits per calendar year, capped at 1 visit per quarter.
Exclusions
Categories that earn no rewards on this card.
- balance transfers
- cash advances
- fees and charges
- disputed transactions
Benefits and fine print
Welcome, renewal, and other listed benefits.
Joining benefits
- 6,000 bonus Reward Points worth Rs 1,500 on payment of annual fee
Additional benefits
- 1% fuel surcharge waiver on eligible BPCL fuel transactions up to Rs 4,000, capped at Rs 100 per month
Compare before you decide
Alternatives based on what you might want instead.