IDFC First WOW! Credit Card vs BPCL SBI Card
Joining Fees
₹0
₹499
Editor's Rating
3.9
Key Features
- Lifetime free credit card - No joining fee/annual fee
- Get up to 4x Reward Points on every transaction
- Unlimited never expiring reward points as good as cash
- Insurance premium payments and Utility bill payments will earn 1X reward points
- Enjoy travelling around the world with the best-in-class zero Forex Mark-up fee
- Zero interest charges on ATM cash withdrawals for up to 45 days
- Zero Currency Exchange Hassles
- Avail up to Rs. 25,000 card liability cover, Rs. 2 lakh personal accident insurance, and Rs. 25,000 purchase protection
- Complimentary Roadside Assistance, Personal Accident Cover, and Feul Surcharge Waiver
- 1% Fuel Surcharge Waiver
- Withdraw cash up to 100% of FD value
- Instantly Increase the Credit Limit- Instantly enhance it by securing an additional Fixed Deposit, starting from Rs. 5,000
- Earn 4X Reward Points on every travel spend
- Up to 3X reward points on all UPI spends
- Credit limit minimum 100% of the FD Value
- No credit history required
- No income proof required
- Instant Card Issuance
- Discover discounts across 1500+ resturants and retailers
- Get discount across 300+ merchants and 1500+ resturants
- Credit shield protection against theft and fraud
- Access to exclusive VISA offers across the globe
- Reward Points will be credited after 20 days of the payment of joining fee and the same can be redeemed instantly against fuel purchase at BPCL outlets, BPCL Vouchers or at Shop n Smile rewards catalogue
- 4.25% Value-back ~ 13X Reward Points on fuel purchases at BPCL petrol pumps. Maximum 1300 Reward Points per billing cycle
- 3.25% + 1% Fuel surcharge waiver on every transaction up to Rs. 4,000
- Avail 5X Reward Points on every Rs. 100 spent at Groceries, Departmental stores, Movies and Dining. Get up to 5000 Reward Points per month
- Get 1 Reward Point for every Rs. 100 spent on non-fuel retail purchases
- Flexible Instant Redemption Program at select 1200 BPCL petrol pumps
- 4.25 % Valueback (13X* Reward Points equivalent to 3.25% + 1% Fuel surcharge waiver on every transaction of up to Rs. 4,000), at any BPCL petrol pump across India. Maximum surcharge waiver of Rs. 100 in a month, which is equivalent to an Annual Savings of Rs. 1200. Surcharge Waiver applicable only on transactions up to Rs. 4,000/- for a max of Rs. 100 per month. Annual Savings of 70 liters of fuel
- Transfer the outstanding balance of other banks’ credit cards to your BPCL SBI Card, and avail a lower rate of interest and pay back in EMIs
- With Flexipay, convert your transactions in easy monthly installments. Make any purchase for Rs. 2,500 or more using your BPCL SBI Card , and log in with your username and password to sbicard.com within 30 days of purchase to convert it into Flexipay
- Renewal Fee reversible if annual spends for last year ≥ Rs. 50,000
Editor's Review
Pros
- Lifetime free credit card
- Get a 100% credit limit against the amount of Fixed Deposit
- Get up to 4x Reward Points on every transaction
Cons
- No travel benefits
- No golf benefits
- No complimentary domestic or international airport lounge access
Pros
- 4.25% Value-back ~ 13X Reward Points on fuel purchases at BPCL petrol pumps. Maximum 1300 Reward Points per billing cycle
- 3.25% + 1% Fuel surcharge waiver on every transaction up to Rs. 4,000
- Avail 5X Reward Points on every Rs. 100 spent at Groceries, Departmental stores, Movies and Dining. Get up to 5000 Reward Points per month
Cons
- No golf benefits
- No complimentary airport lounge access
