SBI Card
SBI Card BPCL
Your rating
Community rating
Joining Fee
₹499
Annual Fee
₹499
Reward Rate
0.25% – 4.25%
Forex Markup
3.5%
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Key Benefits
Rewards
How you earn back on every swipe
points
Reward type
0.25% – 4.25%
Earn rate
₹0.25
Per point
Fees & Charges
Programme fees we track below. Interest on cash withdrawals or revolving balances, late-payment slabs and other charges are set by the bank and spelled out in their Most Important Terms and Conditions (MITC). Use the official product page for those details.
Travel & Lounge Access
Airport perks included with this card
0 per quarter
Domestic lounge visits
0 per year
International lounge visits
Card Features
Tips & reviews
Community comments — not financial advice. Bank terms still apply.
Eligibility
Pros & Cons
- Good entry-level fuel credit card
- Strong rewards for regular BPCL fuel users
- Low annual fee with easy waiver milestone
- Useful accelerated rewards on daily spending categories
- Welcome bonus offsets first-year fee effectively
- Good option for commuters and bike/car owners
- Beginner-friendly rewards structure
- No lounge access
- Best value only at BPCL pumps
- Low base earn rate on non-fuel categories (0.25%)Best rewards limited to BPCL fuel stations
- No airport lounge access
- Reward redemption mainly optimized for fuel purchases
- Base reward rate on regular spends is weak
- Forex markup is high for international spending
- Reward exclusions apply on fuel surcharge, EMI, rent, and wallet loads
- Lower overall value compared to BPCL SBI Octane for high fuel spenders
Who is this card for?
Vehicle owners who fuel at BPCL petrol pumps and spend ₹3,000–₹10,000/month on fuel. The combination of reward points and surcharge waiver makes it highly cost-effective.
Quick Links
Data last updated 18 Mar 2026