Credit Card Compare

350 bonus reward points worth Rs. 350 on card activation, subject to a single transaction of Rs. 500 or more done within 45 days of card issuance

2,000 reward points worth Rs. 500 on joining fee payment

10% value-back as reward points, upon booking AC1, AC2, AC3 and AC Chair Car tickets via IRCTC website/app

3.25% back as 13X reward points up to 1,300 points per month on BPCL fuel spends

5X reward points up to 5,000 points per month on groceries, departmental stores, movies & dining spends

1 reward point per Rs. 100 non-fuel retail spend

4 Reward Points = Re. 1, redeemable at select BPCL petrol pumps

4 complimentary railway lounge access in a year (1 per quarter)

NA

Low annual fee travel credit card

Good value on train ticket bookings via IRCTC

Complimentary railway lounge access

Transaction charge waiver on railway ticket booking via IRCTC

Up to 4.25% value-back on BPCL fuel spends

Accelerated rewards on groceries, departmental stores, movies & dining spends

Benefits on no other spending category apart from train travel

Base reward rate stands quite low at 0.8%

Low rewards redemption value

Capping on accelerated rewards earning

Domestic travellers who prefer travelling via railways over airlines and want a low annual fee card

People who drive regularly, are BPCL loyalists and are looking for a credit card to save on their fuel spends