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SBI SimplySAVE UPI Rupay Credit Card Apply Now	SBI Card PULSE Apply Now	BPCL SBI Card Octane Apply Now
Joining Fee Rs. 499 + GST	Joining Fee Rs. 1,499 + GST	Joining Fee Rs. 1,499 + GST
Rewards and Benefits
Welcome Benefits Receive 2,000 Reward Points on the expenditure of the same amount within the first 60 days of card issuance.	Welcome Benefits A Noise ColorFit Pulse Smart Watch worth Rs. 5,999, complimentary Fitpass Pro membership, and complimentary Netmeds First membership.	Welcome Benefits 6,000 bonus reward points worth Rs. 1500
Rewards Rate 1 Reward Point for Rs. 150 spent (reward rate = 0.25%), 10X RPs for spends made in movies, grocery, dining, & departmental stores (reward rate = 2.5%)	Rewards Rate 10 Reward Points per Rs. 100 spent on Pharmacy, Chemist, movie & dining and 2 RPs per Rs. 100 spent elsewhere.	Rewards Rate 25 reward points for every Rs. 100 spends at BPCL fuel stations (reward rate = 6.25%), 10 RPs for every Rs. 100 spends on groceries, departmental stores, and movie ticket purchases (reward rate = 2.5%), and 1 reward point for every Rs. 100 spent for all other expenditures (reward rate = 0.25%) except mobile wallet uploads and fuel purchases at non-BPCL stations.
Movie & Dining 10X Reward Points on movie and dining spends	Movie & Dining 10 Reward Points per Rs. 100 spent on movie and dining	Movie & Dining 10x reward points for every Rs. 100 you spend on dining and movie tickets.
Reward Redemption Redeem points earned for gift vouchers on sbicard.com or SBI mobile app. Also, for paying the card’s outstanding balance. (1 Reward Point = Rs. 0.25)	Reward Redemption The Reward points are redeemable against a host of options on the Rewards catalogue or against the statement balance (1 RP = Re. 0.25).	Reward Redemption Redeem reward points for gift vouchers on sbicard.com or on SBI mobile app, for transactions at BPCL petrol stations, and against card's statement balance. 4 reward points = Re. 1.
Travel N/A	Travel Get complimentary access to domestic lounges along with complimentary Priority Pass membership.	Travel Complimentary domestic airport lounge visits
Golf N/A	Golf NA	Golf N/A
Domestic Lounge N/A	Domestic Lounge 2 complimentary domestic lounge visits per quarter.	Domestic Lounge 4 complimentary access to domestic lounges every year (1 per quarter).
International Lounge N/A	International Lounge NA	International Lounge N/A
Insurance Benefits N/A	Insurance Benefits Get an air accident cover of Rs. 50 lakhs, zero liability cover of Rs. 1 lakh, and other travel insurance covers, including lost baggage, delayed baggage, loss of travel documents, etc.	Insurance Benefits N/A
Zero Liability Protection On reporting the loss of the card to the bank within the stipulated time, the card holder will not be liable for any transaction done on the card.	Zero Liability Protection The liability for a fraudulent transaction done on the lost or stolen card will not fall on the cardholder if he/she reports the same to the bank in a timely manner.	Zero Liability Protection No liability to the cardholder if the loss of the card is reported to the bank within stipulated time.
Fees & Charges

Renewal Fee Rs. 499 + GST	Renewal Fee Rs. 1,499 + GST	Renewal Fee Rs. 1,499 + GST
Spend Based Waiver Renewal fee can be waived by spending Rs. 1 lakh in a card anniversary year	Spend Based Waiver The renewal fee can be waived if you spend Rs. 2 lakhs or more in the previous year.	Spend Based Waiver Next year's renewal fee waived on annual expenditure of Rs. 2 lakh.
Rewards Redemption Fee Rs. 99 (plus applicable taxes) per redemption request	Rewards Redemption Fee Rs. 100 on each redemption request	Rewards Redemption Fee Rs. 99 (plus applicable taxes) per redemption request.
Foreign Currency Markup 3.5% of the transaction amount	Foreign Currency Markup 3.5% of the transaction amount	Foreign Currency Markup 3.5% of the transaction amount
Interest Rates 3.50% per month (or 42% annually)	Interest Rates 3.50% per month (42% per annum)	Interest Rates 3.5% per month (42% per annum)
Fuel Surcharge 1% fuel surcharge waiver on transactions between Rs. 500 and Rs. 3,000 (capped at Rs. 100 per month)	Fuel Surcharge 1% fuel surcharge waiver for all fuel transactions between Rs. 500 and Rs. 4,000.	Fuel Surcharge 1% fuel surcharge waiver on transactions up to Rs. 4,000 (max waiver of Rs. 100 in a month)
Cash Advance Charges 2.5% of the amount withdrawn or Rs. 500 (whichever is higher)	Cash Advance Charges 2.5% of the cash amount subject to a minimum of Rs. 500	Cash Advance Charges 2.5% of the withdrawn amount (subject to a minimum charge of Rs. 500)
Add-on Card Fee Nil	Add-on Card Fee Nil	Add-on Card Fee Nil

SBI SimplySAVE UPI Rupay Credit Card

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BPCL SBI Card Octane

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