Which card has a lower forex fee: SBI BPCL Credit Card or SBI SimplyCLICK RuPay Credit Card?

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

Which card has a lower annual fee: SBI BPCL Credit Card or SBI SimplyCLICK RuPay Credit Card?

Both cards have the same annual fee (₹499).

Which card offers better lounge access?

SBI BPCL Credit Card: No domestic lounge. SBI SimplyCLICK RuPay Credit Card: No domestic lounge.

Which card has a higher base reward rate?

Both cards have similar base reward value (~0.25%).

Pairwise comparison Add another card →

SBI Card BPCL vs SBI Card SimplyCLICK RuPay Credit Cards – Fees, Lounge, Forex

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

upi SBI Card SimplyCLICK RuPay

Quick comparison

Three core metrics

BPCL SBI Card

Annual fee ₹499
Forex markup 3.5%
Domestic lounge No lounge access

SimplyCLICK RuPay SBI Card

Annual fee ₹499 Waivable at ₹1,00,000 spend
Forex markup 3.5%
Domestic lounge No lounge access

Reward earning explained

Per card

BPCL

1 pts / ₹100 on General spend

SimplyCLICK RuPay

1 pts / ₹100 on General spend

Pick based on what matters

4 dimensions

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

Forex markup Tie

Both cards are similar for forex

Forex markup is 3.5%.

BPCL: Limited data SimplyCLICK RuPay: Limited data
Lounge access Tie

Both cards are similar for lounge access

Domestic lounge access is 0 visits/year.

BPCL: Limited data SimplyCLICK RuPay: Limited data
Annual fee Tie

Both cards are similar for fees

Annual fee is ₹499.

BPCL: Limited data SimplyCLICK RuPay: Limited data
upi SBI Card SimplyCLICK RuPay wins

SBI Card SimplyCLICK RuPay is better for UPI usage

SBI Card SimplyCLICK RuPay is stronger here. Supports UPI via RuPay network.

Verify with issuer

All fields

Standard view

Example usage at this monthly spend

At ₹50k/month spend:

SBI BPCL: ~₹130/month at base rate
SBI SimplyCLICK RuPay: ~₹130/month at base rate

Illustrative only, using current base rates before caps.

Field	BPCL SBI Card	SimplyCLICK RuPay 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	₹499	₹499
Joining fee	₹499	₹499
Fee waiver spend Only available for SBI SimplyCLICK RuPay	Not specified	₹1,00,000
Rewards
Points per ₹100	1 pts	1 pts
Point cash value	₹0.25	₹0.25

Notes

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