SBI Prime Credit Card vs BPCL SBI Credit Card

Last Updated : March 25, 2025, 2:29 p.m.

The SBI Prime Credit Card is a multi-purpose card that can be used for various purposes. It can be used for rewards, dining, flights, hotels, and shopping. The card offers accelerated rewards on daily spends across categories, such as dining, groceries, departmental stores, etc. The card is thus a great one for high spenders. Some of the benefits that come with the card are complimentary membership to priority pass, Club Vistara, Trident Red Tier, etc. The BPCL SBI Card is a co-branded credit card that offers a value back of around 4.25% to users in the form of accelerated reward points and fuel surcharge waiver at BPCL petrol pumps. Accumulated reward points can be redeemed instantly at more than 1200 partner BPCL outlets. Even though it falls into the fuel category, it does not limit the benefit to that category only. You can get accelerated rewards on other expenses such as groceries, dining, movies, etc. Let us now compare both the cards based on their fees, features, and benefits in order to help you choose the better card. Your credit score is an important eligibility factor that you must verify before applying for a credit card. Check CIBIL score free on Wishfin and also view your detailed CIBIL report.

Comparison of SBI Prime Card and BPCL SBI Card

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SBI Prime Card vs BPCL SBI Card - Which Card to Choose?

It is seen very clearly that the SBI Prime card is an all round card that gives benefits across various categories, such as groceries, travel, dining, and online shopping from reputed brands. If you spend considerably on the categories of movies, dining, and groceries, then this card is a good choice. If you love to travel, then complimentary lounge visits, discounts on dining and stay at premium hotels across the world, discounts on car rentals, golf benefits, and VIP perks with the complimentary tablet plus membership provided by the card are highly worth it. Last but not the least, if you are able to spend Rs. 5 lakhs or more in a year to maximize the milestone benefits and avail annual fee waiver, then this card is the correct option for you. The BPCL SBI card on the other hand is a card that is focused on fuel benefits, but it does not limit the benefits to the fuel category alone and provides accelerated rewards on dining, groceries, and movies. So, choose this card if you spend considerably on fuel, and if you need a fuel card with a low annual fee that can be used for other everyday needs also. Also, if you are a BPCL fuel brand enthusiast and prefer it over IOCL and HPCL, this card is for you. Hence, choosing a card depends on your preferences and spending patterns.

Conclusion

After knowing the differences between SBI Prime Credit Card vs BPCL SBI Credit Card, it is your decision to choose a card. Both of these credit cards have exclusive offers and benefits but the fees of these cards might differ. So you must check the fees of these cards as per your capability and then choose any one card.