What is the annual fee for SBI Card BPCL?

The annual fee for SBI Card BPCL is ₹499. The fee is waived on annual spend above ₹50,000.

What is the joining fee for SBI Card BPCL?

The one-time joining fee for SBI Card BPCL is ₹499.

What are the rewards and benefits of SBI Card BPCL?

SBI Card BPCL earns points rewards. Reward rate ranges from 0.25% to 4.25%.

What lounge access benefits does SBI Card BPCL provide?

SBI Card BPCL provides 0 domestic lounge visits per quarter and 0 international lounge visits per year.

What is the eligibility criteria for SBI Card BPCL?

To be eligible for SBI Card BPCL, you need a minimum monthly income of ₹20,000.

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SBI Card

SBI Card BPCL

Name: SBI Card BPCL
Brand: SBI Card
Price: 499 INR
Availability: InStock

The SBI Card BPCL is a co-branded fuel card for BPCL loyalists.

Co-branded

CardCheck ScoreVery Good

Top Category Performance

Fuel & Petrol (92/100)

Best for: Fuel Savings

Joining Fee

₹499

Annual Fee

₹499

Reward Rate (%)

0.25 – 4.25

Forex Markup

3.5%

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CardCheck Rating & Score

Our proprietary algorithm evaluates cards across reward value, fee fairness, lounge access and terms to provide an unbiased score.

Very GoodScore / 100

Reward Power

31/35

Fee Value & ROI

24/25

Lounge & Perks

4/20

Forex & Access

12/20

Category Strengths Breakdown

Ranked by strongest spend category

Fuel & Petrol

92/100

Zero Fee & Starter

85/100

Online Shopping

84/100

Cashback Spends

75/100

Scoring Methodology: Evaluated deterministically using verified bank MITC filings, fee waiver spend ratios, reward percentage caps, and lounge agreements. No card receives sponsored score inflation. Learn how we score →

SBI Card BPCL Benefits

Up to 4.25% value back on BPCL fuel spends

13X Reward Points on BPCL fuel, Bharat Gas, and lubricants

5X Reward Points on groceries, dining, movies & department stores

2,000 bonus Reward Points worth ₹500 on joining fee payment

Annual fee waiver on ₹50,000 annual spends

1% fuel surcharge waiver on fuel transactions between ₹500–₹4,000

1 Reward Point per ₹100 on other eligible spends

Contactless tap-to-pay enabled

SBI Card BPCL Rewards

How you earn back on every swipe

points

Reward type

0.25% – 4.25%

Earn rate

₹0.25

Per point

24 months

Point expiry

SBI Card BPCL 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.

Joining fee₹499

Annual fee₹499

Fee waiver on annual spend₹50,000

Interest-free period50 days

Interest rate (APR)42%

Late payment fee (max)₹1,300

Cash advance fee2.5% (min ₹500)

Over-limit fee2.5%

Forex markup3.5%

Fuel surcharge waiverYes (₹500–₹4000)

SBI Card BPCL Lounge Access

Airport perks included with this card

0 per quarter

Domestic lounge visits

0 per year

International lounge visits

Card Features

Metal Card

Contactless

UPI Linked

Fee Waiver Spend Simulator

Simulate your spend to check waiver eligibility

Waiver Target: ₹50,000/yr

Your Estimated Monthly Spend:₹4,167/mo

Presets:

Annual Fee 100% Waived₹50,004 / ₹50,000

🎉 Annual renewal fee 100% waived! At ₹4,167/mo (₹50,004/yr), your ₹499 fee drops to ₹0.

Gross Rewards+₹2,125

Effective Fee₹0 (Waived)

Net Profit/Yr+₹2,125

Tips & reviews

Community comments — not financial advice. Bank terms still apply.

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SBI Card BPCL Eligibility

Age21+ yrs – 70

Min. income₹20,000/month

CIBIL score700+

Pros & Cons

Pros

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

Cons

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.