Freecharge Plus Credit Card
Rs 350Annual fee
Rs 50,000Fee waiver spend
0Domestic lounge
3.5%Forex markup
Best for
Freecharge, Cashback, Local Commute, Dining, Low Fee
Top rewards
Freecharge App Spends: 5% Cashback on bill payments and recharges via Freecharge app; Local Commute Spends: 2% Cashback on local commute spends (Ola, Uber, etc.); Other Eligible Retail Spends: 1% Cashback on other eligible spends
BPCL Credit Card
Rs 499Annual fee
Rs 50,000Fee waiver spend
0Domestic lounge
3.5%Forex markup
Best for
Cashback, Fuel, BPCL, Grocery, Dining, Low Fee
Top rewards
Fuel Spends At BPCL Petrol Pumps: 13 Reward Points / ₹100 spent; Grocery, Departmental Stores, Movies, And Dining Spends: 5 Reward Points / ₹100 spent; Other Eligible Spends: 1 Reward Point / ₹100 spent
| Feature | Freecharge Plus Credit Card | BPCL Credit Card |
|---|---|---|
| Issuer | Axis Bank | SBI Card |
| Network | Visa | Visa, RuPay |
| Joining fee | Rs 350 | Rs 499 |
| Annual fee | Rs 350 | Rs 499 |
| Fee waiver spend | Rs 50,000 | Rs 50,000 |
| Reward type | Cashback | Cashback And Reward Points |
| Best for | Freecharge, Cashback, Local Commute, Dining, Low Fee | Cashback, Fuel, BPCL, Grocery, Dining, Low Fee |
| Top reward categories | Freecharge App Spends: 5% Cashback on bill payments and recharges via Freecharge app; Local Commute Spends: 2% Cashback on local commute spends (Ola, Uber, etc.); Other Eligible Retail Spends: 1% Cashback on other eligible spends | Fuel Spends At BPCL Petrol Pumps: 13 Reward Points / ₹100 spent; Grocery, Departmental Stores, Movies, And Dining Spends: 5 Reward Points / ₹100 spent; Other Eligible Spends: 1 Reward Point / ₹100 spent |
| SmartBuy / accelerated caps | Not Listed | Not Listed |
| Domestic lounge | 0 | 0 |
| International lounge | 0 | 0 |
| Forex markup | 3.5% | 3.5% |
| Milestone benefits | Annual fee waived on spends of ₹50,000 in the preceding card anniversary year, excluding rent and wallet load transactions | Not Listed |
| Redemption | Statement credit: upto ₹ 1 per point | Statement credit: upto ₹ 0.25 per point |
| Key exclusions | Fuel transactions, Rent payments, E-wallet loading transactions, Insurance premium payments, Utilities and telecom spends made outside Freecharge app, Government services spends | cash withdrawal, balance transfer, fuel spends outside eligible BPCL reward construct, transactions excluded under BPCL SBI Card terms |