| Features |
 |
 |
| Eligibility | Everyone 18+ | People between the age group of 18 to 60. Both salaried and self-employed people |
| Approval | 100% | Not guaranteed, not transparent |
| Joining Fees | NIL | Rs. 1768.82 ( Rs. 1499 + 18% GST) |
| Annual Fees | NIL | Rs. 1768.82 ( Rs. 1499 + 18% GST) |
| Interest Rate | 10-14% | Upto 3.50% per month (42% per annum) |
| Cash Advance Fee | No Cash Advance | 2.5% of the amount withdrawn; minimum of Rs. 500 |
| Over-limit Charges | No over-limit transactions | 2.5% of the overlimit amount; minimum of Rs. 600 |
| Late payment charges | NIL | From Rs.0 to Rs.500 - Nil More than Rs.500 up to Rs.1,000 - Rs.400 More than Rs.1,000 up to Rs.10,000 - Rs.750 More than Rs.10,000 up to Rs.25,000 - Rs.950 More than Rs.25,000 up to Rs.50,000 - Rs.1,100 More than Rs.50,000 - Rs.1,300 |
| Card replacement fee | NIL | Rs. 100 to Rs. 250 |
| Fuel Surcharge | NIL | 1% surcharge waiver (excluding all applicable taxes wherever applicable + other charges) on transactions of upto Rs. 4000 Maximum waiver of Rs. 100 per statement cycle per card account |
| Foreign Currency Transaction | NIL | 3.50% |
| Minimum Amount Due | Pay in Full | 5% of total outstanding amount Minimum of Rs.200 + applicable taxes |
| Rewards | 10 points for every Rs.100/- transaction for everyone, everywhere. | 4 reward points equal 1 Rs. 25 reward points per Rs. 100 spent at BPCL Fuel, Lubricants and Bharat Gas (Website and App) spends. 10 reward points per Rs. 100 spent on Dining, Departmental Stores, Movie and Grocery expenses (upto 7500 reward points per month) 1 reward point per Rs. 100 on other retail spends (except mobile wallet upload and Non BPCL fuel spends) 6000 bonus reward points equivalent to Rs. 500 on payment of joining fee. |
| Referral Reward | Yes | Yes, but subject to approval |
| Anniversary Reward | Yes | No |
| Birthday Reward | Yes | No |
| Chargeback | Simple online form | Mail printed and signed form with required documents |
| Privacy and Security | Your data is not used and not sold | Complimentary Fraud liability Cover of Rs. 1 lakh |
| Community | Yes | No |
| Join the waitlist | |
