Should i take pre-approved SBI BPCL? .... for the purpose of increasing my total limit

No.. By the way, you have to reassign the limit from existing one for new BPCL Card. For example, your current limit is 10k for Simply click. When you will apply for this BPCL card, they will ask to assign the limit from 10k. If you assign 5k for bpcl card then 5k limit will remain for simply click. 

sagarC wrote:

No.. By the way, you have to reassign the limit from existing one for new BPCL Card. For example, your current limit is 10k for Simply click. When you will apply for this BPCL card, they will ask to assign the limit from 10k. If you assign 5k for bpcl card then 5k limit will remain for simply cli

since its existing limit is just 10K they may give separate limit like another 10K

if they ask to split then really LOL

I don't think getting BPCL is a good idea. I'd suggest you wait for a credit limit increase on SimplyClick and meanwhile, keep looking for a better card offer compared to BPCL. As far as I know, BPCL won't get you a very high limit. So, you can skip it imo.

they will split your existing click cc limit.

Limit will split. Not shared. Same offer for me. Its asking for me to lower my Simply Click limit to get limit on BPCL card. Waste.

Keep in mind, Keep your usage below 30%, but you can't spend more than 3k if you build your good score!

It Impacts in Short Term!

I'm getting pre-approved BPCL option too since December and they have been bombarding me daily with sms to get it...

Didn't apply, then they started offering me 250 amazon GV in first week of Jan, still didn't bother...

Now, they are offering 1000 GV (offer valid till Jan 31st.)... now plan to take it for the GV mainly and a RuPay CC if possible as I don't have one.

Asking for some views:

* I currently have no personal vehicle (even 2 wheeler) now, but a very less used family car owned by different person. So fuel purchase almost nil, and this card doesn't even have good rewards or redemption for anything other than fuel. So, just be almost useless?

* Take this and get 1000gv then before 1yr place closure request and negotiate for LTF else close it?

* Any way to get issued it as RuPay? Was hearing SBI doesn't allow changing card network later, true?

* So if my current Simplyclick limit is suppose 50k, I have to split it say, 10k BPCL+40k Simply? Is CL enhancement later specific for cards or collectively offered?

@Knight11 @shraaj @bohemian @UniqueDimer @akki.akki @decideaim

@prem4998 @Tony007 @xxxyyyzzz @PowerStar @guest_999 @DimeDime

@bankipad @Scorpion @tappukepapa @demerius2020 @getready @G0LDENHEART

@kartikxxx @neehesh @Rohit80555

Agnivo007 wrote:

I'm getting pre-approved BPCL option one too since December and they have been bombarding me daily with sms to get it...

Didn't do it yet, then they started offering me 250 amazon GV in first week of Jan, still didn't bother...

Now, they are offering 1000 GV (offer valid till Jan 31st.)... now plan to take it.

Asking for some views:

* I currently have no personal vehicle (even 2 wheeler) now, but a very less used family car owned by different person. So fuel purchase almost nil, and this card doesn't even have good rewards or redemption for anything other than fuel. So, just be almost useless?

* Take this and get 1000gv then before 1yr place closure request and negotiate for LTF else close it?

* Any way to get issued it as RuPay? Was hearing SBI doesn't allow changing card network later, true?

* So if my current Simplyclick limit is suppose 50k, I have to split it say, 10k BPCL+40k Simply? Is CL enhancement later specific for cards or collectively offered?

@Knight11 @shraaj @bohemian @UniqueDimer @akki.akki @decideaim

I am also getting these messages and in same situation as yours. My minimum threshold for taking card just for welcome benefits is 3000. So not taking this offer.

BTW, u can checkout cashkaro, it was offering 1500-2500 few days back on different axis, sbi and idfc cards. It won't be a pre-approved offer, but still if cibil is good and u r salaried, approval should be easy.

@Knight11 New application isn't an option for me (self-employed), got simplyclick during launch of sprint as new customer, don't want useless hard enquiries now, time's a bit bad for me these days...

Agnivo007 wrote:

I'm getting pre-approved BPCL option too since December and they have been bombarding me daily with sms to get it...

Didn't apply, then they started offering me 250 amazon GV in first week of Jan, still didn't bother...

Now, they are offering 1000 GV (offer valid till Jan 31st.)... now plan to take it for the GV mainly and a RuPay CC if possible as I don't have one.

Asking for some views:

* I currently have no personal vehicle (even 2 wheeler) now, but a very less used family car owned by different person. So fuel purchase almost nil, and this card doesn't even have good rewards or redemption for anything other than fuel. So, just be almost useless?

* Take this and get 1000gv then before 1yr place closure request and negotiate for LTF else close it?

* Any way to get issued it as RuPay? Was hearing SBI doesn't allow changing card network later, true?

* So if my current Simplyclick limit is suppose 50k, I have to split it say, 10k BPCL+40k Simply? Is CL enhancement later specific for cards or collectively offered?

@Knight11 @shraaj @bohemian @UniqueDimer @akki.akki @decideaim

@prem4998 @Tony007 @xxxyyyzzz @PowerStar @guest_999 @DimeDime

@bankipad @Scorpion @tappukepapa @demerius2020 @getready @G0LDENHEART

@kartikxxx @neehesh @Rohit80555

Get BPCL if you want Sbi card for only sales period as 50k waiver is easy to meet compared to 1lakh in simplyclick. You can close simplyclick after getting BPCL.

I'm also new to Sbi card ecosystem, so can't say much. But i would suggest you to follow technofino for specific card related queries.

Agnivo007 wrote:

I'm getting pre-approved BPCL option too since December and they have been bombarding me daily with sms to get it...

Didn't apply, then they started offering me 250 amazon GV in first week of Jan, still didn't bother...

Now, they are offering 1000 GV (offer valid till Jan 31st.)... now plan to take it for the GV mainly and a RuPay CC if possible as I don't have one.

Asking for some views:

* I currently have no personal vehicle (even 2 wheeler) now, but a very less used family car owned by different person. So fuel purchase almost nil, and this card doesn't even have good rewards or redemption for anything other than fuel. So, just be almost useless?

* Take this and get 1000gv then before 1yr place closure request and negotiate for LTF else close it?

* Any way to get issued it as RuPay? Was hearing SBI doesn't allow changing card network later, true?

* So if my current Simplyclick limit is suppose 50k, I have to split it say, 10k BPCL+40k Simply? Is CL enhancement later specific for cards or collectively offered?

@Knight11 @shraaj @bohemian @UniqueDimer @akki.akki @decideaim

@prem4998 @Tony007 @xxxyyyzzz @PowerStar @guest_999 @DimeDime

@bankipad @Scorpion @tappukepapa @demerius2020 @getready @G0LDENHEART

@kartikxxx @neehesh @Rohit80555

Wait for 2500 Gv And Apply  

It's Only useful for Fuel Spends! 

Agnivo007 wrote:

@Knight11 New application isn't an option for me (self-employed), got simplyclick during launch of sprint as new customer, don't want useless hard enquiries now, time's a bit bad for me these days...

If you think you can negotiate for ltf then you can take it. Not sure about this card being available on rupay network. Limit will be split most likely if it is pre-approved offer.

Take it, they will give u some default limit. Use it for year, then close if they don't make ltf.

@PowerStar do they really give so high value gv for a basic card like BPCL? Anyone got more than 1k welcome gv yet?

Agnivo007 wrote:

I'm getting pre-approved BPCL option too since December and they have been bombarding me daily with sms to get it...

Didn't apply, then they started offering me 250 amazon GV in first week of Jan, still didn't bother...

Now, they are offering 1000 GV (offer valid till Jan 31st.)... now plan to take it for the GV mainly and a RuPay CC if possible as I don't have one.

Asking for some views:

* I currently have no personal vehicle (even 2 wheeler) now, but a very less used family car owned by different person. So fuel purchase almost nil, and this card doesn't even have good rewards or redemption for anything other than fuel. So, just be almost useless?

* Take this and get 1000gv then before 1yr place closure request and negotiate for LTF else close it?

* Any way to get issued it as RuPay? Was hearing SBI doesn't allow changing card network later, true?

* So if my current Simplyclick limit is suppose 50k, I have to split it say, 10k BPCL+40k Simply? Is CL enhancement later specific for cards or collectively offered?

@Knight11 @shraaj @bohemian @UniqueDimer @akki.akki @decideaim

@prem4998 @Tony007 @xxxyyyzzz @PowerStar @guest_999 @DimeDime

@bankipad @Scorpion @tappukepapa @demerius2020 @getready @G0LDENHEART

@kartikxxx @neehesh @Rohit80555

I think after one year also they will not offer LTF card..
My opinion is go for it as they are giving 1000 voucher, so it's like free for you for 2 years only you have to pay is GST.
You can use that card for fuel and during online sale..

Later on if you think it's not good for you then you can ask for LTF or go for another card variant or closure of card..

I am using BPCL and Tata SBI.
Using BPCL for fuel and TATA for grocery..
Having 220000 and 60000 limit respectively...
Both limits are independent..


I used to do shoping for me/ friend/ relative by using that two cards.. till now managing it very well and not paying annual fee ...
They are reverting back all charges...



Earlier I was using SBI Simply save for almost 5 years with 20000 limit, they were not increasing my limit after providing income documents every year, denying because of some internal policy....
Later on in same month i applied for BPCL card through agent and SBI approved my card with same documents and gave me limit 220000..


I don't know how their internal policy works. For person who never missed any payments, pay all dues in time, using card for almost 5 years they were not ready to increase limit by 1 rupees But for same person in same month with same documents for new card they offer extra limit by 200000..

@kartikxxx they will split current simply click limit I think as it's a pre-approved offer...

Agnivo007 wrote:

@kartikxxx they will split current simply click limit I think as it's a pre-approved offer...

No i dont think that, they will give default limit, then if u wish u can get more limit or reduce it.

kartikxxx wrote:
No i dont think that, they will give default limit, then if u wish u can get more limit or reduce it.

I already have a simplyclick for 6+ months and BPCL is a pre-approved option given in app and by sms...

Agnivo007 wrote:

I'm getting pre-approved BPCL option too since December and they have been bombarding me daily with sms to get it...

Didn't apply, then they started offering me 250 amazon GV in first week of Jan, still didn't bother...

Now, they are offering 1000 GV (offer valid till Jan 31st.)... now plan to take it for the GV mainly and a RuPay CC if possible as I don't have one.

Asking for some views:

* I currently have no personal vehicle (even 2 wheeler) now, but a very less used family car owned by different person. So fuel purchase almost nil, and this card doesn't even have good rewards or redemption for anything other than fuel. So, just be almost useless?

* Take this and get 1000gv then before 1yr place closure request and negotiate for LTF else close it?

* Any way to get issued it as RuPay? Was hearing SBI doesn't allow changing card network later, true?

* So if my current Simplyclick limit is suppose 50k, I have to split it say, 10k BPCL+40k Simply? Is CL enhancement later specific for cards or collectively offered?

@Knight11 @shraaj @bohemian @UniqueDimer @akki.akki @decideaim

@prem4998 @Tony007 @xxxyyyzzz @PowerStar @guest_999 @DimeDime

@bankipad @Scorpion @tappukepapa @demerius2020 @getready @G0LDENHEART

@kartikxxx @neehesh @Rohit80555

Once u get this card i do not think u will be able to get sbi cashback card in future, i too getting daily sms for pre- approved bpcl card and 500 worth reward for applying, i do not find anything good other than 10% discount on flipkart/amazon during sale, although in sbi app i can see the banner of pre approved card there which is sliding at the bottom. U see the new card option also in the setting, in app there are two pre approved cards showing for me one bpcl and the second is simple click...i have not taken any of these bcs i have sbi cashback card and i do not want to reduce/share limit with other pre approved card 

Agnivo007 wrote:

@PowerStar do they really give so high value gv for a basic card like BPCL? Anyone got more than 1k welcome gv yet?

Yes They Do Offer

Agnivo007 wrote:

I'm getting pre-approved BPCL option too since December and they have been bombarding me daily with sms to get it...

Didn't apply, then they started offering me 250 amazon GV in first week of Jan, still didn't bother...

Now, they are offering 1000 GV (offer valid till Jan 31st.)... now plan to take it for the GV mainly and a RuPay CC if possible as I don't have one.

Asking for some views:

* I currently have no personal vehicle (even 2 wheeler) now, but a very less used family car owned by different person. So fuel purchase almost nil, and this card doesn't even have good rewards or redemption for anything other than fuel. So, just be almost useless?

* Take this and get 1000gv then before 1yr place closure request and negotiate for LTF else close it?

* Any way to get issued it as RuPay? Was hearing SBI doesn't allow changing card network later, true?

* So if my current Simplyclick limit is suppose 50k, I have to split it say, 10k BPCL+40k Simply? Is CL enhancement later specific for cards or collectively offered?

@Knight11 @shraaj @bohemian @UniqueDimer @akki.akki @decideaim

@prem4998 @Tony007 @xxxyyyzzz @PowerStar @guest_999 @DimeDime

@bankipad @Scorpion @tappukepapa @demerius2020 @getready @G0LDENHEART

@kartikxxx @neehesh @Rohit80555

If I remember correctly, I think you already have a good all-rounder CC: HDFC Millennia. Right?

The best option would be SBI CB CC, but that might not be a realistic option in the foreseeable future. Even more so, as a pre-approved CC.

So, you are stuck with:

1. SBI SC: 1L spend to waive off the AMC; realistically 52k. So, an all-online and non-wallet spend of 52k should give ₹650(at least) as AMZN GV @ 1.25% and ₹1700 as market value of a 2k CT GV. So, that's 2350(at least) money back on a spend of 52k, i.e, 4.52% reward rate. Not bad, not bad, at all.

2. SBI BPCL: 50k spend to waive off the AMC. Just spend 2k to get a foothold in SBICards' world. Not a bad proposition, either, given that you've a better CC already. If it is on RuPay platform, then even better. BPCL GVs can be sold, too.

So, now you decide what'd you like to do?

*I wonder if they would be willing to play ball with you and agree to make it LTF if all the spends are wallet loads or something of that nature. Get that 1k GV, negotiate for an LTF. If the outcome is not in your favor, then close and ask for merger of CL with SC's.

*Can't comment. That's something new to me, too, that our RuPay man said on another thread.

*Yes, you'll need to split SC's CL. CLEs are card specific, but that can be transferred with the help of an agreeable customer care executive. Getting CLEs are difficult on SBI CCs even for salaried individuals. So that's an event that you shouldn't worry about too much, IMO.

Note: A split in CL will get reported as such to the credit bureaus with CC numbers as account numbers with new CLs.

Agnivo007 wrote:

I'm getting pre-approved BPCL option too since December and they have been bombarding me daily with sms to get it...

Didn't apply, then they started offering me 250 amazon GV in first week of Jan, still didn't bother...

Now, they are offering 1000 GV (offer valid till Jan 31st.)... now plan to take it for the GV mainly and a RuPay CC if possible as I don't have one.

Asking for some views:

* I currently have no personal vehicle (even 2 wheeler) now, but a very less used family car owned by different person. So fuel purchase almost nil, and this card doesn't even have good rewards or redemption for anything other than fuel. So, just be almost useless?

* Take this and get 1000gv then before 1yr place closure request and negotiate for LTF else close it?

* Any way to get issued it as RuPay? Was hearing SBI doesn't allow changing card network later, true?

* So if my current Simplyclick limit is suppose 50k, I have to split it say, 10k BPCL+40k Simply? Is CL enhancement later specific for cards or collectively offered?

@Knight11 @shraaj @bohemian @UniqueDimer @akki.akki @decideaim

@prem4998 @Tony007 @xxxyyyzzz @PowerStar @guest_999 @DimeDime

@bankipad @Scorpion @tappukepapa @demerius2020 @getready @G0LDENHEART

@kartikxxx @neehesh @Rohit80555

1) bro this card rewards is specially for fuel but as u said u don't have ur own vehicle

2) i don't think they will make it LTF As i also applied for that card and drop the plan to take the card. then they call me and they ask reason for why i didn't want that card i said its not ltf, not getting good limit. they try to convince me to take it in 6 months ur limit will increase

3) don't know they change network or not?

4) limit will split for two cards

@DimeDime Thanks for the extensive and thoughtful analysis...

However, this is not clear to me: "SBI BPCL: 50k spend to waive off the AMC. Just spend 2k to get a foothold in SBICards' world." - explain the 2k ?

Others too gave many valueable points and views, will read again and would most probably wait and see what SBI cards offer me next if I pass on this offer for now... more comments welcome.

Agnivo007 wrote:

@DimeDime Thanks for the extensive and thoughtful analysis...

However, this is not clear to me: "SBI BPCL: 50k spend to waive off the AMC. Just spend 2k to get a foothold in SBICards' world." - explain the 2k ?

Others too gave many valueable points and views, will read again and would most probably wait and see what SBI cards offer me next if I pass on this offer for now... more comments welcome.

50k - (12 months x 4k_paytm_wallet_load) = 2k

Agnivo007 wrote:

I'm getting pre-approved BPCL option too since December and they have been bombarding me daily with sms to get it...

Didn't apply, then they started offering me 250 amazon GV in first week of Jan, still didn't bother...

Now, they are offering 1000 GV (offer valid till Jan 31st.)... now plan to take it for the GV mainly and a RuPay CC if possible as I don't have one.

Asking for some views:

* I currently have no personal vehicle (even 2 wheeler) now, but a very less used family car owned by different person. So fuel purchase almost nil, and this card doesn't even have good rewards or redemption for anything other than fuel. So, just be almost useless?

* Take this and get 1000gv then before 1yr place closure request and negotiate for LTF else close it?

* Any way to get issued it as RuPay? Was hearing SBI doesn't allow changing card network later, true?

* So if my current Simplyclick limit is suppose 50k, I have to split it say, 10k BPCL+40k Simply? Is CL enhancement later specific for cards or collectively offered?

@Knight11 @shraaj @bohemian @UniqueDimer @akki.akki @decideaim

@prem4998 @Tony007 @xxxyyyzzz @PowerStar @guest_999 @DimeDime

@bankipad @Scorpion @tappukepapa @demerius2020 @getready @G0LDENHEART

@kartikxxx @neehesh @Rohit80555

I also got the same message from sbi. Does sbi honour the message after obtaining card regarding 1k gv?