Understand the differences between these two SBI credit cards across fuel savings, online rewards, fees, and usage preferences.
Last updated on: Jun 10, 2026
Choosing between the SimplyCLICK SBI Card vs BPCL SBI Card depends on how you spend money. One card focuses on fuel savings, while the other rewards online shopping. A clear comparison across rewards, fees, and benefits helps you select the card that suits your lifestyle and spending habits.
Both cards cater to different spending needs. The BPCL SBI Card suits frequent fuel users, while SimplyCLICK SBI is designed for online shoppers.
Here is a quick comparison of the two cards:
| Feature | BPCL SBI Credit Card | SimplyCLICK SBI Credit Card |
|---|---|---|
Best Suited For |
Fuel savings |
Online shopping |
Annual Fee Waiver |
On ₹50,000 annual spends |
On ₹1 lakh annual spends |
Welcome Benefit |
2,000 reward points |
₹500 Amazon voucher |
Key Feature |
Up to 4.25% value back on BPCL fuel |
10X rewards on partner websites |
Base Reward Rate |
1 point per ₹100 |
1 point per ₹100 |
Disclaimer: The above-mentioned details are subject to change at the discretion of the issuer.
When comparing BPCL SBI Card vs SimplyCLICK SBI, the main difference lies in spending categories. BPCL offers higher value on fuel transactions at Bharat Petroleum outlets. SimplyCLICK benefits you more when you shop online across selected and general platforms.
Both credit cards offer reward points, but the earning potential depends on where you spend. Here is a clear comparison of their reward structures and benefits:
| Feature | BPCL SBI Credit Card | SimplyCLICK SBI Credit Card |
|---|---|---|
Fuel Rewards |
Up to 4.25% value back at BPCL pumps |
No specific fuel rewards |
Online Shopping Rewards |
Standard rewards |
10X on partners, 5X on other online spends |
Dining & Lifestyle Rewards |
5X reward points |
Standard rewards |
Base Reward Rate |
1 point per ₹100 |
1 point per ₹100 |
Welcome Benefit |
2,000 reward points (₹500 value) |
₹500 Amazon gift card |
Milestone Benefit |
Not prominent |
₹2,000 travel vouchers on spends |
Reward Redemption |
Fuel redemption at BPCL pumps |
Vouchers and catalogue redemption |
SimplyCLICK provides high-value rewards on partner platforms like Myntra, Swiggy, and Cleartrip. This makes it suitable if most of your spending is online.
On the other hand, BPCL SBI Card gives consistent value back on fuel, especially if you regularly refuel at BPCL outlets. It also offers accelerated rewards on everyday categories like groceries and dining.
If you compare SimplyCLICK SBI vs BPCL SBI Card based on usage patterns, the choice becomes straightforward. Choose SimplyCLICK for digital spending and BPCL for fuel-focused savings.
Understanding the fee structure helps you assess the overall cost of using each card. Here are the key charges for both cards:
| Fee Type | BPCL SBI Credit Card | SimplyCLICK SBI Credit Card |
|---|---|---|
Joining Fee |
₹499 |
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Annual Fee |
₹499 |
₹499 |
Annual Fee Waiver |
On ₹50,000 annual spends |
On ₹1 lakh annual spends |
Interest Charges |
Up to 3.50% per month |
Up to 3.50% per month |
Cash Advance Fee |
2.50% or ₹500 (whichever is higher) |
2.50% or ₹500 (whichever is higher) |
Late Payment Fee |
Up to ₹1,300 |
Up to ₹1,300 |
Foreign Transaction Fee |
3.50% |
3.50% |
Reward Redemption Fee |
₹99 |
₹99 + GST |
Note: GST is applicable on the above-mentioned charges.
Disclaimer: These fees and charges are also subject to change at the discretion of the issuer. Before applying, check the issuer’s Most Important Terms and Conditions (MITC) document to verify.
When reviewing BPCL SBI Card vs SimplyCLICK SBI, both cards are similar in most charges. However, the annual fee waiver differs. BPCL requires lower annual spending to waive the fee, making it more accessible if your usage is moderate.
The SimplyCLICK card, in contrast, requires higher spending for a waiver. This aligns with its focus on frequent online shoppers who typically have higher transaction volumes.
These cost differences, though small, can influence long-term value depending on your spending pattern.
Fuel savings are a key deciding factor if you frequently use your vehicle. The benefits differ significantly between these two cards.
Here are the fuel-related features of both cards:
| Feature | BPCL SBI Credit Card | SimplyCLICK SBI Credit Card |
|---|---|---|
Fuel Value Back |
Up to 4.25% at BPCL pumps |
Not applicable |
Fuel Surcharge Waiver |
Included within fuel benefit |
1% waiver |
Transaction Range |
As per BPCL terms |
₹500 to ₹3,000 |
Waiver Cap |
Subject to reward limits |
₹100 per statement cycle |
When analysing BPCL SBI Card vs SimplyCLICK SBI, the BPCL card clearly stands out if fuel spending forms a major part of your expenses. SimplyCLICK remains a better choice only if fuel use is occasional and not a primary concern.
Choosing the right card depends on your regular expenses and usage pattern. Here is a simple way to evaluate both options based on practical scenarios:
You spend frequently on fuel, especially at BPCL petrol pumps
You want consistent savings on fuel transactions
You prefer lower annual spend requirements for fee waiver
You value direct redemption of reward points on fuel
You shop online regularly across platforms like Myntra, Swiggy, or Cleartrip
You want higher reward points on digital transactions
You can meet higher annual spending for fee waiver
You prefer milestone-based rewards such as travel vouchers
You can also think of your monthly expenses as a decision guide. For example, if a large share of your spending goes towards commuting and fuel, BPCL may generate more savings. On the other hand, if you frequently shop online or book travel, SimplyCLICK can provide higher reward value.
Reviewer
The better card depends on your usage. BPCL SBI Credit Card is suitable for fuel savings, while SimplyCLICK SBI Credit Card is better for online shopping rewards.
You can get up to 4.25% value back on fuel purchases at BPCL pumps. Reward points can also be redeemed directly at select fuel stations.
Yes, it offers 10X reward points on partner platforms and 5X rewards on other online spending, making it suitable for frequent online shoppers.
The annual fee is ₹499. It is waived if you spend ₹50,000 or more in the previous year.
Yes, you earn reward points on fuel transactions at BPCL petrol pumps, which contribute to the overall value back on your fuel spends.