Which card has a lower forex fee: HDFC Bank PIXEL Go Credit Card or SBI BPCL Credit Card?

Both cards have the same forex markup (3.5%).

Which card has a lower annual fee: HDFC Bank PIXEL Go Credit Card or SBI BPCL Credit Card?

HDFC Bank PIXEL Go Credit Card has a lower annual fee (₹250 vs ₹499).

Which card offers better lounge access?

HDFC Bank PIXEL Go Credit Card: No domestic lounge. SBI BPCL Credit Card: No domestic lounge.

Which card has a higher base reward rate?

HDFC Bank PIXEL Go Credit Card has higher base reward value (~1% vs ~0.25%).

HDFC Bank PIXEL Go vs SBI Card BPCL Credit Cards – Fees, Lounge, Forex

Side-by-side comparison of the HDFC Bank PIXEL Go and the SBI Card BPCL. Verify fees, lounge access, forex markup, and base rewards before you apply.

Quick comparison

Feature	PIXEL Go	BPCL
Annual fee	₹250 Waivable at ₹50,000 spend	₹499 Waivable at ₹50,000 spend
Forex fee	3.5%	3.5%
Domestic lounge	No lounge access	No lounge access

Fees: PIXEL Go wins

Confidence: High

Forex: Tie

Confidence: High

Lounge: Tie

Confidence: High

PIXEL Go 5% on Selected categories + 1% on General spend Strong data

BPCL 1 pts / ₹100 on General spend Strong data

Pick based on what matters

Start with the constraint you care about most: annual fee (HDFC Bank PIXEL Go: ₹250 vs SBI Card BPCL: ₹499), forex markup (3.5% vs 3.5%), or lounge access (No lounge access vs No lounge access).

Both cards are similar for forex Strong data vs Strong data Forex markup is 3.5%.
Both cards are similar for lounge access Strong data vs Strong data Domestic lounge access is 0 visits/year.
Insufficient data to compare rewards Strong data vs Strong data Only HDFC Bank PIXEL Go has comparable evidence here. Estimated base reward value is ~1% on base spend.
HDFC Bank PIXEL Go is better for fees Strong data vs Strong data HDFC Bank PIXEL Go is stronger here. HDFC Bank PIXEL Go has a lower annual fee (₹250 vs ₹499).
Both cards are similar for UPI usage Visa network does not support UPI payments.

Explore: HDFC Bank PIXEL Go card page · SBI Card BPCL card page · best credit cards in India

Standard view

Example usage at this monthly spend

At ₹50k/month spend:

PIXEL Go: ~₹500/month at base rate
SBI BPCL: ~₹130/month at base rate

Illustrative only, using current base rates before caps.

	PIXEL Go HDFC Bank	BPCL SBI Card
Lounge Access
Domestic lounge visits	No lounge access	No lounge access
Forex / International Use
Forex markup	3.5%	3.5%
Fees
Annual fee ₹250 vs ₹499	₹250	₹499
Joining fee ₹250 vs ₹499	₹250	₹499
Fee waiver spend	₹50,000	₹50,000
Rewards
Points per ₹100	1 pts	1 pts
Point cash value ₹1 vs ₹0.25	₹1	₹0.25

Notes

Card benefits change frequently. Always verify current terms on the issuer's official website or app before applying.

HDFC Bank PIXEL Go vs SBI Card BPCL Credit Cards – Fees, Lounge, Forex

Quick comparison

Pick based on what matters

Related comparisons

Example usage at this monthly spend

Notes