Cashback+ Credit Card
Rs 750Annual fee
Rs 2,00,000Fee waiver spend
0Domestic lounge
3.5%Forex markup
Best for
Cashback, Online Food, Grocery, Entertainment, Fuel
Top rewards
Online Grocery And Food Delivery: 5% cashback; Online Movies And OTT Entertainment: 5% cashback; Fuel Spends: 3% cashback
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 | Cashback+ Credit Card | BPCL Credit Card |
|---|---|---|
| Issuer | Kotak Mahindra Bank | SBI Card |
| Network | Visa, RuPay | Visa, RuPay |
| Joining fee | Rs 750 | Rs 499 |
| Annual fee | Rs 750 | Rs 499 |
| Fee waiver spend | Rs 2,00,000 | Rs 50,000 |
| Reward type | Cashback | Cashback And Reward Points |
| Best for | Cashback, Online Food, Grocery, Entertainment, Fuel | Cashback, Fuel, BPCL, Grocery, Dining, Low Fee |
| Top reward categories | Online Grocery And Food Delivery: 5% cashback; Online Movies And OTT Entertainment: 5% cashback; Fuel Spends: 3% cashback | 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 | Not Listed | Not Listed |
| Redemption | Statement credit: upto ₹ 1 per point | Statement credit: upto ₹ 0.25 per point |
| Key exclusions | Rent payments, B2B transactions, Utility bills, Insurance premiums, Education spends, Government services spends | cash withdrawal, balance transfer, fuel spends outside eligible BPCL reward construct, transactions excluded under BPCL SBI Card terms |