Cupra Terramar vs BMW X3

What's the difference?

The Cupra Terramar VZe looks fantastic on the road and confidently handles most things you throw at it. The plug-in hybrid set-up offers a nice blend of performance and efficiency. But… when you start digging into the price and ownership promise and what you do (and don’t) get for your money, it doesn’t always feel like the most compelling package. Sexy and sporty? Definitely. Value-for-money? Mmm.

This is a highly competent all-rounder, given that it has the comfort and practicality for urban family duties yet with its revered M breeding can produce a level of performance which, in competent hands, could hold its own at a track day where its capabilities could be safely explored.

Design is one of the areas where the Terramar makes a strong first impression. It’s sharply styled, and very much aimed at buyers who aren’t quite ready to let go of their sportier tastes, even if their car choice suggests otherwise. The stance is wide, the proportions are tidy and those 20-inch copper alloy wheels do a lot of the heavy lifting visually.

Up front, the grille features a triangular LED lighting signature that, for anyone who grew up with it, looks a little like the Triforce (Zelda). Around the back, there’s a full-width light bar with a 3D illuminated logo which enhances the overall 'cool-edge' style the Terramar has.

Inside, that same theme carries through. The cabin is clean but still visually interesting, with plenty of soft-touch materials and leather throughout. Copper-coloured accents are used generously but not to the point where it feels overdone and give it a firm identity.

The optional panoramic roof lifts the space and the 12.9-inch central display sits front and centre, giving the cabin a properly high-end feel.

The fourth-gen X3, which has a lighter but stiffer body, shares the same wheelbase as its third-gen predecessor but at 4755mm end-to-end it's 34mm longer and it's 29mm wider.

It’s also 25mm lower, which combined with front and rear track-width increases and adaptive suspension damping to sharpen the handling underlines its sportiness and driver appeal, despite a substantial 2055kg kerb weight.

The new exterior design is characterised by short overhangs, flush door handles, a larger ‘split kidney’ grille, new LED taillights and L-shaped light elements for the LED headlights.

The new interior design is a classy mix of soft-touch materials and high-gloss hard surfaces in tastefully contrasting tones. The seats are upholstered in a new synthetic leather called 'Veganza' ('Espresso Brown' in our example) which according to BMW requires 85 per cent fewer CO2 emissions to produce than genuine leather (which is still available as an extra-cost option).

Combined with subtle use of ‘Magnolia’ fine-wood trim inserts, satin chrome, piano black, blue/red M highlights and slender ambient light-strips, it’s a cabin that exudes opulence.

In terms of practicality, the Terramar feels a little mixed depending on where you’re sitting.

Space and comfort first. The front row is where it feels most at ease. The sport seats are supportive, with enough adjustment to stay comfortable on a longer drive and the added heating and driver’s memory function round things out nicely. That said, elbow room can feel a little tight if you’re sitting alongside someone broad-shouldered.

The rear row is more of a compromise. Legroom behind my driving position is on the tighter side, and for context, I’m 168cm, though headroom holds up reasonably well, even with the panoramic roof. The shape of the seat base and storage cut-outs also make the bench feel narrower, so it’s better suited to two adults than three.

Storage is about what you’d expect, without really exceeding it. Up front, the glove box is the largest cubby, supported by a centre console, a phone cradle and a pair of cupholders, although they’re different sizes, so only one emotional support bottle will fit.

In the rear, it’s a similar story. You get a couple of bottle holders and cupholders, but you miss out on map pockets.

On the tech and amenities front, most functions are housed within the 12.9-inch media display. The graphics are clear and the touchscreen is responsive, though the touch-based climate controls underneath it can be fiddly at times. That said, the overall layout becomes fairly intuitive after a short adjustment period, even if physical buttons would still be welcome.

Connectivity is well covered, with wireless Apple CarPlay and Android Auto, the former holding a steady connection during my time with it, along with built-in navigation. Charging options are solid, too, with four USB-C ports across the cabin, a 12-volt outlet and a wireless charging pad.

The rear gets its own climate control, though without fan speed control, and again, at this price point, it feels like there’s room for a little more in the way of convenience features - particularly things like heated outboard seats.

At the back, boot space comes in at 400L, which is the smallest in the Terramar range due to the battery placement. It’s broadly in line with key alternatives like the BYD Sealion 6 Premium, which offers slightly more capacity, but the difference isn’t dramatic in day-to-day use.

In practice, it’s been enough for a week of errands with a small family, and the flat loading floor and powered tailgate make it easy to live with. There’s no spare tyre, though, just a puncture repair kit, which won't suit everyone.

This would make a great family weekend escape machine, for which BMW quotes a 645kg payload rating. It’s also rated to tow up to 2500kg of braked trailer, which could pose a challenge given the relatively low 100kg tow-ball download limit (TBD is typically around 10 per cent of trailer weight).

BMW also does not publish a GCM figure (how much it can legally carry and tow at the same time) so we can’t confirm if it can carry its maximum payload while towing its maximum trailer weight.

Even so, the M50 has a useful-sized luggage area which offers up to 570 litres (or 0.57 cubic metres) of load volume with the rear seat upright.

This expands to 1700 litres (or 1.7 cubic metres) with the rear seat folded flat, which can be handy for a multitude of tasks like transporting a mountain bike or hauling home flat-pack furniture.

There’s comfortable space for the driver and front passenger, along with useful storage including large bottle-holders and bins in each front door.

The centre console has two small-bottle/cupholders plus wireless phone-charging and a pair of USB ports. There's also a glove box plus another box at the rear of the console with a padded lid that doubles as an elbow rest.

The rear bench seat is surprisingly spacious, given that I’m 186cm tall and when seated behind the driver’s seat in my position I still have about 40mm of knee clearance, which is optimised by the concave shape of the front seat backrests.

The spacious and airy feel is enhanced by the ‘panorama’ glass roof which spans the full length of the seating area and allows generous headroom even for tall people.  

However, shoulder room is tight for three adults and the centre passenger’s feet must contend with the transmission tunnel, so even though it would be fine for three kids we’d suggest a limit of two adults for longer trips.

Rear passengers get privacy glass and pull-up roller sunshades, large-bottle holders and bins in each door plus net-type pockets and anchorage points for media devices on each front seat backrest. There are also two small-bottle/cupholders in the fold-down centre armrest.

The rear of the centre console has two USB ports, adjustable air-vents plus controls for zone temperature, airflow preferences and seat-heating.

The bench seat features a 40/20/40 split, which allows the centre backrest to fold forward independent of the two outer backrests to allow long loads like snow skis, home hardware etc to be carried if securely fastened.

A power tailgate provides access to the luggage area, which is equipped with a handy 12-volt accessory socket plus load-anchorage points front and rear, extra storage nooks for small items on either side and a retractable roller-type load cover. Overall, this vehicle offers good practicality for family duties.

Our X3 M50 xDrive test vehicle, finished in new 'Dune Grey Metallic', comes standard with a 3.0-litre turbocharged inline six-cylinder petrol engine incorporating 48-volt mild-hybrid technology, plus an eight-speed automatic and permanent all-wheel drive for a list price of $128,900.

You’d expect a high performance prestige vehicle costing six figures would be packed with desirable standard features and the M50 xDrive delivers, starting with big 21-inch 'M' lightweight alloy wheels shod with wide 285/35R21 tyres.

However, there’s no room for a spare (not even a space-saver) so you get a tyre repair kit instead.

The standard equipment list also includes adaptive LED headlights (with matrix high-beam and blue design detailing), a power tailgate, an ‘Iconic Glow’ illuminated kidney grille with M-specific elements, quad exhaust outlets, a panorama full-length (fixed) glass roof, a choice of six premium metallic paint colours and more. The 'M Sport Pro' visual enhancement package is also included.

Step inside and the driver is treated to a head-up display and an elegantly curved digital dash display, which spans about two-thirds of the cabin's width. It seamlessly incorporates a 12.3-inch driver’s instrument display (made from recycled polyester) and 14.9-inch multimedia display controlled by BMW’s latest 'iDrive System 9' software.

Premium audio is provided by a 15-speaker 750-watt Harman Kardon surround sound system, which includes digital radio and wireless Apple/Android connectivity. There’s also wireless phone charging.

The driver gets a thick leather-rimmed and heated 'M Sport' flat-bottom steering wheel and the driver and front passenger are also treated to sumptuous bucket seats with multiple power adjustments and heating/cooling.

Up to three passengers can share the rear bench seat and indulge in the luxury of three-zone automatic climate control, heating for the outer seating positions, privacy glass, roll-up sunshades, two USB-C ports and lots more.

Under the bonnet, the Terramar VZe pairs a 1.5-litre, four-cylinder, turbo-petrol engine with a single electric motor, for a combined output of 200kW and 400Nm.

On paper, those figures sit a little behind some of the more value-focused plug-in hybrid options, like the BYD Sealion 6 Premium and GWM Haval H6 GT, and it’s also front-wheel drive, where some rivals offer all-wheel drive.

In practice, though, it doesn’t feel underdone. The six-speed automatic shifts cleanly and the transition between electric and petrol power is smooth. As a whole, the set-up feels well calibrated.

According to BMW, the M50 xDrive features the most powerful inline six-cylinder petrol engine fitted to an M Performance model.

This 3.0-litre unit clearly benefits from BMW’s twin-scroll turbocharging technology, which combined with variable valve timing and an extra 13kW/200Nm from the 48V mild-hybrid technology produces a stomping 293kW of power at 5500rpm and 580Nm of torque at 1900rpm.

It also has a ‘boost’ function, which provides an extra burst of power for short periods when maximum acceleration is required when overtaking etc.

It’s activated by the left paddle-shifter on the steering wheel and automatically optimises transmission/chassis settings to suit. There’s also a drive mode selector, with ‘Sport’ offering the most responsive and engaging experience.

The eight-speed torque converter automatic is a refined and efficient transmission well suited to this full-time all-wheel drive application. Rapid-fire manual shifting is also available using the steering wheel paddles.

The VZe uses a 20kWh lithium-ion battery, which is on the smaller side compared to some alternatives but it still delivers a useful amount of electric driving range at 109km (WLTP).

With its Type 2 CCS charging port, you can access DC fast charging at up to 50kW, with a claimed 0-80 per cent top-up taking around 26 minutes. On AC, it’s more of an overnight affair, so it suits a home charging routine.

Officially, energy use is rated at 1.8L/100km on the combined (urban/extra-urban) cycle, and after a mix of highway and urban driving, I saw a trip computer figure of 1.5L/100km.

That’s an impressive result but it comes with a bit of context. I'm charging it daily to make the most of the claimed electric-only range, and that has a big influence on the numbers you’ll see in the real world.

BMW claims an official average combined consumption of 8.2L/100km but the dash display was showing 9.9 at the completion of our 210km test, which included a mix of suburban, city and highway travel.

Our own figure, calculated from fuel bowser and tripmeter readings, came in slightly higher again at 10.5L/100km, which given our test vehicle’s two-tonne-plus weight and performance capabilities is still reasonable economy.

So, based on our figures, you could expect a realistic driving range of around 600km from its 65-litre tank, which prefers premium 98 RON petrol.

On the road, the Terramar VZe makes an immediate impression. Power delivery is prompt, and even with the battery depleted, it feels responsive off the mark. There’s enough in reserve that you don’t feel like you’re chasing performance, even when you lean on it.

The handling follows a sporty brief. Suspension tuning does a good job of smoothing out the bigger bumps, but it still lets a fair amount of road feedback in, particularly when you’re pushing through a corner. The steering is on the firmer side and the brakes are quite sensitive, which takes a moment to adjust to, but together they give the car a more engaged feel. That said, it won’t be to everyone’s taste.

Visibility is one area that takes a bit more effort. The lower window line and thicker pillars give it a more enclosed feel than a typical mid-size SUV, so you find yourself being a bit more deliberate with blind spot checks, particularly around the A-pillar.

Ride comfort holds up despite the firmer set-up, and the sports seats do a good job of keeping you settled. Around town and under electric power, the cabin is impressively quiet, though you notice more road and engine noise creeping in at highway speeds or under heavier acceleration.

Around tighter spaces, it feels smaller than it is. The 11.5-metre turning circle and quick steering make it easy enough to manoeuvre, and the 360-degree camera is a useful addition, although the image quality doesn’t quite match the expectations set by the price point.

First, the fun stuff. It certainly feels like ‘the ultimate driving machine’ when you slide behind the chunky leather-rimmed flat-bottom steering wheel and hold it in your hands.

The driver’s seat offers not only powered adjustment of backrest and base-cushion rake, but also four-way lumbar support and side-bolsters that can tighten their embrace of your upper torso to contend with high cornering loads.

There’s also manual extension of the base-cushion length for greater thigh support and a big left footrest to brace against, so you could not ask for a more accommodating and purposeful driving position.

The steering is perfectly weighted and the quartet of enormous disc brakes provide ample bite with superb pedal feel. Combined with its adaptive suspension and wide grippy tyres, the X3 is a family car that’s also invigorating to drive, particularly when you select the ‘Sport’ mode.

The enhanced engine response and sharper steering that result (even the instrument panel display changes) make any twisting mountain road an engaging experience, enhanced by an intoxicating exhaust note that only a BMW M six can deliver.

The turbocharged engine offers an unyielding surge of acceleration from well below peak torque at 1900rpm to maximum power at 5500rpm, making BMW’s claim of 0-100km/h in a scant 4.6 seconds sound credible.

You can also manually change gears using the steering wheel paddles, but we found the gearing and shift calibrations so good that we preferred to leave it in auto mode.

However, the X3 M50 has two distinct personalities, as in more relaxed drive modes it’s just as happy serving as practical family transport during the week for grocery shopping, daily school runs and other common tasks.

It’s also a comfortable tourer for family getaways, with long gearing that requires only 1500rpm to cruise at 100km/h where low engine, tyre and wind noise allow highway conversations at lounge room levels.

No ANCAP rating as yet but this X3 comes with a long menu of standard safety features including multiple airbags, AEB with pedestrian/cyclist/junction detection, front collision warning with brake intervention, lane-keeping, active cruise control, head-up display with speed sign recognition, front and rear cross-traffic alert, tyre pressure monitoring and lots more.

There are also ISOFIX and top tethers for the two outer rear seating positions.

In terms of ownership, the Terramar is covered by Cupra’s five-year, unlimited-kilometre warranty. That’s fairly standard for the segment, though it sits behind some rivals now offering longer seven-year plus programs. Inclusion of five years' roadside assistance is a welcome addition.

Servicing can be pre-purchased with either a three- or five-year plan, with the latter priced at $2590, which is in line with what you’d expect for this class. Intervals are set at every 12 months or 15,000 kilometres.

One thing to keep in mind is the size of the Cupra service network. It’s still relatively limited, with around 14 centres nationwide, so depending on where you’re based, that may take a bit more planning.

It comes standard with a five-year, unlimited km warranty.

Scheduled servicing is determined by BMW’s vehicle monitoring system which advises when a service is needed, typically around 12 months/15,000km.

A capped-price servicing package covering five years/80,000km (whichever occurs first) totals $2475, or an average of $495 per service.