Decode Finance
Akash Sethi
SBI Card launched the BPCL SBI Card Octane in December 2020 as an upgrade to the original BPCL SBI Card, and the question that comes up most often for anyone already holding the standard card is simple: is it actually worth paying three times the fee to move up? Short answer: only if you’re spending … Read more
If you picked up a BPCL SBI Card expecting the annual fee to be waived at ₹50,000 of yearly spending, that rule changed on 1 May 2026. SBI Card doubled the threshold to ₹1 lakh. Older reviews may still show the previous ₹50,000 figure, so it’s worth getting this right first. Beyond that, this remains … Read more
SBI Aurum Credit Card is SBI Card’s super-premium segment in India, sitting above SBI Card ELITE with a ₹9,999 fee, unlimited international lounge access, and lifestyle memberships most cards don’t bother offering. The trade-off is its base reward value, which is lower than what several competing premium cards offer on eligible spends at a similar … Read more
Most people search SIP vs. lumpsum expecting a clear winner, but the question is framed wrong. SIP and lumpsum aren’t two competing strategies fighting for the same money; they’re two different answers to a simpler question: is your money still arriving, or is it already sitting in your account? Someone with a monthly salary and … Read more
The Reliance SBI Card PRIME is a co-branded shopping card built around Reliance’s retail network, AJIO, JioMart, Trends, and Reliance Digital, along with airport lounge access and a set of milestone vouchers tied to your annual spend. This review covers what you actually earn on each spending category, the eligibility and charges to expect, the … Read more
SBI Card PRIME charges ₹2,999 a year and earns 10 points per ₹100 on dining, groceries, departmental stores, and movies, and 2 points per ₹100 everywhere else. At the standard 4-points-to-₹1 redemption rate, that works out to roughly 2.5% back on the bonus categories and 0.5% on the rest. The card comes in four network … Read more
The IndiGo SBI Card ELITE, launched in September 2025, offers up to 7 IndiGo BluChips per ₹100 on IndiGo bookings, 8 domestic and 6 international lounge visits a year, and travel insurance covers, at a ₹4,999 annual fee. It’s also easy to research badly: there’s a cheaper base variant with the same name, a mandatory … Read more
SBI ELITE credit card costs ₹4,999 a year and sits in SBI’s premium lineup, built around lounge access, movie discounts, and a welcome voucher big enough to offset most of what you just paid. Whether it’s actually worth that fee depends on how you spend, and on getting a few details right that most reviews … Read more
The SBI Cashback Credit Card is one of SBI’s most talked-about cashback cards because of its simple pitch: 5% back on online spending, no merchant restrictions. But the card has changed twice since launch, once quietly in 2023 and once more visibly in April 2026. This review covers what the Cashback SBI Card actually offers … Read more
If your CIBIL score is stuck around 600, you already know what it costs you: higher interest, smaller loan amounts, and lenders who hesitate before hearing your full story. Getting to 750 won’t fix everything on its own, but it does open up more choices. Lenders also look at your income and existing debt, so … Read more