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Yes Bank First Reserv Credit Card vs BPCL SBI Card OCTANE

Joining Fees

₹1,999

₹1,499

Editor's Rating

3.9

4.3

Key Features

  • Earn 8000 bonus Reward Points if renewal fee is charged (This is applicable second year onwards)
  • Get up to 1.75% markup on foreign currency
  • For 6 months for mobile and electronic purchased online, get insurance cover of up to Rs. 50,000 against accidental damage
  • Enjoy 4 green fee waiver per year- Get 1 Golf lesson per year at select golf courses in India
  • Credit Shield cover of 15 Lakh
  • Lost Card liability 15 Lakh to 30 Lakh
  • 1% fuel surcharge waiver between Rs 400 and Rs 5000
  • Access to airport lounges internationally for Mastercard and Visa cards: Get 6 complimentary International Airport lounge visits per calendar year
  • 3 complimentary domestic airport lounge visits per quarter
  • Get 5 times the benefits of YES Rewardz Points on Travel, Dining, Fashion and Healthcare categories
  • Get 3 times the regular benefits of YES Rewardz Points for online dining or online grocery and apparel or other retail spends
  • Avail 24 YES Rewardz Points on every Rs. 200 for online shopping
  • Avail 12 YES Rewardz Points on every Rs. 200 for offline shopping
  • Avail 6 YES Rewardz Points on every Rs. 200 on select categories
  • Air Miles: Get 10 YES Rewardz Points= 1 InterMile / 1 Club Vistara Point
  • Instant EMI: Pay in parts for transactions as low as Rs. 1500
  • Post Purchase EMI: Convert payments into EMI with on-call service at attractive interest rates
  • Quick Loan: Avail a loan amount within the card limit to fullfil immediate fund requirements
  • Contactless Transactions
  • As a Welcome Girft, avail 6000 bonus reward points equivalent to Rs. 1500 on payment of annual fees. The Reward Points will be credited to the card holders account within 30 days of annual fee payment
  • Spend Based fee reversal benefit - Next year Fee waiver on annual spends of 2 lakhs
  • Get 7.25% Value back ~ 25X Reward Points on fuel purchases at BPCL petrol pumps. Maximum 2500 Reward Points per billing cycle
  • 6.25% + 1% Fuel surcharge waiver on every BPCL transaction upto Rs. 4000 (exclusive of GST and other charges)
  • Avail 25 Reward Points on every Rs. 100 spent at BPCL Fuel, Lubricants & Bharat Gas (Website and app only) spend
  • Get 10 Reward Points on every Rs. 100 spent at Dining, Departmental Stores, Grocery & Movies (Up to 7500 Reward Points per month)
  • Earn 1 Reward point per Rs. 100 spent on other retail purchases
  • Avail 25 Reward Points on every Rs. 100 spent on Bharat Gas (Website and app only) is capped at 500 Reward Points per billing cycle
  • 4 Reward Point = Rs. 1
  • 1% fuel surcharge across all BPCL petrol pumps in India. This is applicable on transactions up to Rs. 4,000, exclusive of GST and other charges. Maximum fuel surcharge waiver of Rs. 100 per statement cycle per credit card account, which is equivalent to an Annual Savings of Rs.1200
  • 4 complimentary visits per calendar year to Domestic VISA lounges in India (Max. 1 visit per quarter)
  •  Obtain eGift Vouchers worth Rs. 2,000 from Aditya Birla Fashion Or Yatra Or Bata/Hush Puppies on annual spends of Rs. 3 Lakhs. The Aditya Birla Fashion voucher is redeemable at these brand stores only - Louis Philippe, Van Heusen, Allen Solly, Peter England, Planet Fashion, Simon Carter
  • Complimentary Fraud Liability cover of 1 Lakh
  • Instant Redemption of Reward Points at select BPCL petrol pumps
  • Redeem your Rewards Points at Shop & Smile Rewards Catalogue
  •  BPCL SBI Card OCTANE can be used at over 24 million outlets worldwide, including 3,25,000 outlets in India
  • Pay electricity, telephone, mobile and other utility bills using the Easy Bill Pay facility
  • Transfer the outstanding balance of other banks’ credit cards to BPCL SBI Card OCTANE, and avail a lower rate of interest and pay back in EMIs
  • With Flexipay, convert transactions in easy monthly installments. Make any purchase for Rs. 2,500 or more using BPCL SBI Card OCTANE 

Editor's Review

Pros

  • For 6 months for mobile and electronic purchased online, get insurance cover of up to Rs. 50,000 against accidental damage
  • Enjoy 4 green fee waiver per year- Get 1 Golf lesson per year at select golf courses in India
  • Get up to 1.75% markup on foreign currency

Cons

  • No railway lounge access
  • No cashback offers
  • Post exhaustion of the complimentary lounge access quota, applicable charges plus taxes will apply on airport lounge access for cardmember(s) and for each guest visit

Pros

  • 10X reward points across dining, movies, groceries and departmental stores
  • Complimentary domestic lounge visits every year
  • 6,000 bonus reward points worth the joining fee

Cons

  • Fuel benefits are limited to only BPCL outlets
  • No golf benefits
  • No cashback benefits


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