Apollo Sbi Card Mastercard Credit Card vs Bpcl Sbi Card Visa Platinum Credit Card: Which is Better in 2026?
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The Apollo Sbi Card Mastercard Credit Card offers no notable benefits, while the Bpcl Sbi Card Visa Platinum Credit Card provides a range of rewards, particularly for fuel purchases. This comparison highlights the significant differences in rewards and fees between these two cards.
Comparison notes and quick badges use AI, grounded in the benefit data shown in the table. Confirm details on each issuer’s site.
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| Feature | Apollo Sbi Card Mastercard Credit Card | Bpcl Sbi Card Visa Platinum Credit Card |
|---|---|---|
| Bank | SBI Cards | SBI Cards |
| Network | MasterCard | Visa |
| Joining fee | — | Joining Fee of Rs.499 |
| Annual / renewal fee | — | Renewal Fee of Rs.499 |
| Annual fee waiver | — | Spend Rs.50000 For Waiver of Renewal Fee |
| Reward rate (headline) | — | 13 Reward Points on Fuel Purchases at BPCL Petrol Pumps |
| Lounge — domestic | — | — |
| Lounge — international | — | — |
| Fuel surcharge waiver | — | — |
| Welcome benefit | — | Welcome Benefit - Get 2000 Activation Bonus Reward Points |
| Milestone benefit | — | — |
| Foreign currency markup | — | 3.5% - Foreign Currency Transactions |
Which is better for rewards?
The Bpcl Sbi Card Visa Platinum Credit Card is clearly superior for rewards, offering 13 reward points on fuel purchases at BPCL petrol pumps, as well as additional points for dining, movies, and groceries. In contrast, the Apollo Sbi Card Mastercard Credit Card lacks any rewards structure or benefits, making it less appealing for users looking to earn rewards on their spending.
Which is better for travel?
Both cards do not provide any travel-related benefits such as lounge access or travel insurance, making them equally inadequate for frequent travelers. Users seeking travel perks may need to explore other options in the market.
Which has lower effective cost?
The Bpcl Sbi Card Visa Platinum Credit Card has a joining fee and renewal fee of Rs. 499, with a potential waiver upon spending Rs. 50,000. The Apollo Sbi Card Mastercard Credit Card does not disclose any fees, but the absence of benefits suggests it may not be a cost-effective option overall. Therefore, while the fees are similar, the value derived from the Bpcl card's rewards may justify the costs.
Who should pick Apollo Sbi Card Mastercard Credit Card?
Consider Apollo Sbi Card Mastercard Credit Card if you prefer a card with no fees or charges, although it currently offers no benefits. This may appeal to those who want a basic card without the complexities of rewards or fees.
Who should pick Bpcl Sbi Card Visa Platinum Credit Card?
Consider Bpcl Sbi Card Visa Platinum Credit Card if you are a frequent fuel user and want to earn rewards on your purchases. The card's structured rewards for fuel, dining, and other categories make it a better choice for those looking to maximize their spending.
Frequently Asked Questions
The Bpcl Sbi Card Visa Platinum Credit Card has a joining fee and renewal fee of Rs. 499, while the Apollo Sbi Card Mastercard Credit Card does not disclose any fees.
Neither card offers travel benefits such as lounge access or travel insurance.
You can earn 13 reward points on fuel purchases at BPCL petrol pumps, 5 points on dining and movies, and 1 point on travel and non-fuel retail purchases.
Yes, you can waive the renewal fee by spending Rs. 50,000.