SBI BPCL Credit Card reward points value in rupees — is it really worth it?
Neha Koyamma
Asked 1 Apr 2026
I have accumulated a few thousand reward points on my SBI BPCL Credit Card. What is the actual rupee value when redeemed against statement, and is it better to redeem for flights or merchandise?
2 Answers
Short answer: no, EMI on credit card is not cheaper than a personal loan for large amounts (>₹50,000). The processing fee (~₹199-₹599) plus the interest (~14-16% reducing) usually adds up to slightly more than a personal loan rate of 11-13%. But for small-ticket EMI (₹10-20K), it is fine.
On credit limit increase: most banks auto-review every 6 months. If you use 30-70% of the limit and pay in full, you'll get an automatic increase. Don't call and ask for it explicitly — banks take it as a sign of credit hunger and sometimes lower the limit instead.
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