IDFC first power plus UPI credit card vs SBI BPLCL octane VISA signature card, which one is better ?

[sudhanshu22]

IDFC First Power Plus UPI Card:​

• Joining Fee: ₹499
• Annual Fee: ₹499
• Rewards on Fuel: 30 rewards per ₹150 spent on HPCL fuel & LPG
• Other Benefits: Rewards on grocery, utility spends, and IDFC FIRST FASTag recharge; Happy Coins on HP Pay app1.

SBI BPCL Octane Credit Card:​

• Joining Fee: ₹1499
• Annual Fee: ₹1499
• Rewards on Fuel: 25X reward points on BPCL fuel purchases; 7.25% value back on fuel expenses at BPCL
• Other Benefits: Extra rewards on groceries, movies, dining, and departmental stores; co-branded benefits with Bharat Gas1.

The SBI BPCL Octane Credit Card offers a higher value back on fuel expenses compared to the IDFC card, which might be beneficial if you spend a lot on fuel. However, it also comes with a higher joining and annual fee. The IDFC card has a lower fee structure and offers rewards on a variety of other spends, including grocery and utility.

 

[Gorillaz]

J

Just to confirm actually my card is stuck due to some address issue. Do first payment through hp pay app quality for welcome benefit?

Well I paid safe and paid via card for the first payment and got the welcome bonus

 

[sudhanshu22]

can anyone confirm what are rupay reward rate in SBI BPCL octane rupay credit card ?

 

[ujjwal2024]

If you go by the annual fees, IDFC power plus makes more sense. I’ve been using this card for more than two months and paid two bills till date and I’m yet to find any points discrepancies. The thing I do is that I make sure that I pay via the HP pay app. This way I also get 1% discount which sets off the fuel surcharge. In short you get roughly 5% discount on fuel, Groceries and Fastag and that was my prime pick to get this card.

with IDFC power plus If you pay in HP Pay app or HP QR code, there will be never any point discrepancy as the APP itself will ensure it...
That is why I love IDFC power plus...
Before the payment itself, everything will be clear...
No tension later on

 

[Abhishek012]

can anyone confirm what are rupay reward rate in SBI BPCL octane rupay credit card ?

Same reward rate you get on all other SBI BPCL RuPay credit card.

 

[VasukiVasuki is verified member.]

can anyone confirm what are rupay reward rate in SBI BPCL octane rupay credit card ?

Not got till date mate
Rupay version launched but they ain't issuing it

 

[VasukiVasuki is verified member.]

with IDFC power plus If you pay in HP Pay app or HP QR code, there will be never any point discrepancy as the APP itself will ensure it...
That is why I love IDFC power plus...
Before the payment itself, everything will be clear...
No tension later on

What about UPI reward rate for other normal transaction

 

[ujjwal2024]

What about UPI reward rate for other normal transaction

it is 3 point per Rs.150
1 point = Rs 0.25
hence reward rate is 0.5%
reward point never expire like amex
hence, no tension to redeem

 

[Abhishek012]

Not got till date mate
Rupay version launched but they ain't issuing it

Who told you ? you can apply SBI BPCL Octane RuPay credit card. It has been live for the past 6 months.

Many people already applied.

Apply from here and choose RuPay variant (dnt forget to choose RuPay variant under "Network Preference") - https://www.sbicard.com/sprint/bpcl-octane

Existing users also easily convert to RuPay Octane variant

@sudhanshu22

 

[sudhanshu22]

thinking not to get fuel card because l can purchase park plus vouchers at a discount. what is your suggestion? however will get a good upi credit card (rupay) . Heard that fuel credit card have points credited issues.

 

[ujjwal2024]

thinking not to get fuel card because l can purchase park plus vouchers at a discount. what is your suggestion? however will get a good upi credit card (rupay) . Heard that fuel credit card have points credited issues.

You can do if we have a iocl pump which accepts park voucher in your route or area.

 

[ujjwal2024]

Reward is more in park plus vouchers than in cards

 

[VasukiVasuki is verified member.]

Who told you ? you can apply SBI BPCL Octane RuPay credit card. It has been live for the past 6 months.

Many people already applied.

Apply from here and choose RuPay variant (dnt forget to choose RuPay variant under "Network Preference") - https://www.sbicard.com/sprint/bpcl-octane

Existing users also easily convert to RuPay Octane variant

@sudhanshu22

Phir whi baat
De nhi rhe conversion

Rarest case

 

[sumit_yadav]

Phir whi baat
De nhi rhe conversion

Rarest case

Received the converted card from Visa to Rupay on 14th Aug. The CC guy took the request on phone without any hesitation.

Abhi band kar diya hoga conversion.

 

[Abhishek012]

Phir whi baat
De nhi rhe conversion

Rarest case

Conversion me bhi de rahe hai.

Kuch rare customers ko nahi dete hai.

SBI BPCL Platinum RuPay, SBI SimplySAVE RuPay etc sab card k conversion k liye bhi kuch customers ko mana karte hai.

Reason ? unknown

but mai guess kar sakta hu.

I think jo log huge spend karte hai ya lounge access use karte hai SBI Card and HDFC bank dono he un customers ko RuPay conversion k liye mana kar dete hai.

Baki conversion aaj bhi ho rahe hai SBI Card and HDFC bank dono me he. Band kisi ne nahi kiya.

Yeh actually isliye bhi bol raha hu kyunki ek RuPay k shareholder meeting me RuPay ne kaha tha ki jo bas lounge access k lalach me RuPay conversion karte hai aur card spend nahi karte hai unhe conversion maat karna.

Ab ho sakta hai Visa bhi kaha hoga, jo log jada spend karte hai, Visa ka transaction spend increase karte hai unhe converison maat karana.

@sumit_yadav

 

[VasukiVasuki is verified member.]

Received the converted card from Visa to Rupay on 14th Aug. The CC guy took the request on phone without any hesitation.

Abhi band kar diya hoga conversion.

Taking request was never the problem but it get denied internally later onn

 

[sumit_yadav]

Kuch rare customers ko nahi dete hai.

kuch customers ko mana karte hai.

Taking request was never the problem but it get denied internally later onn

internally banks kya feel kar raha hai who knows 🤣

 

[runningfast]

If you go by the annual fees, IDFC power plus makes more sense. I’ve been using this card for more than two months and paid two bills till date and I’m yet to find any points discrepancies. The thing I do is that I make sure that I pay via the HP pay app. This way I also get 1% discount which sets off the fuel surcharge. In short you get roughly 5% discount on fuel, Groceries and Fastag and that was my prime pick to get this card.

Don't they charge convinience fee when you pay via HP Pay using credit card? I see only Debit card and UPI are showing as free.

 

[VasukiVasuki is verified member.]

internally banks kya feel kar raha hai who knows 🤣

Pta kro daya

 

[AlphaNR]

5% on groceries

Chill buddy. Read the T&C. it's max 100 rs per cycle