SBI Card BPCL
The SBI Card BPCL is a co-branded fuel card for BPCL loyalists.
Fuel & Petrol Fit Score
90/100
Joining Fee
₹499
Annual Fee
₹499
Reward Rate (%)
0.25 – 3.25
1 pts/₹100 · ₹0.25/pt
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.
Reward Power
27/35
Fee Value & ROI
24/25
Lounge & Perks
4/20
Forex & Access
12/20
Category Strengths Breakdown
Ranked by strongest spend categoryScoring 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
SBI Card BPCL Rewards
How you earn back on every swipe
points
Reward type
0.25% – 3.25%
Earn rate
1
Points / ₹100
₹0.25
Per point
24 months
Point expiry
₹325
Monthly cap
SBI Card BPCL Fees & Charges
Programme fees we track below. Interest on cash withdrawals or revolving balances, late-payment slabs and other statutory charges are detailed in the official Most Important Terms and Conditions (MITC).
Maximum surcharge waiver is capped at ₹100 per month (per statement cycle) for both the standard BPCL SBI Card and the BPCL SBI Card OCTANE. For the RuPay variant, BPCL fuel paid through credit-card UPI does not get the BPCL fuel reward points or fuel-surcharge waiver.
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
Fee Waiver Spend Simulator
Simulate your spend to check waiver eligibility
Spend ₹0/mo more (or ₹4 more per year) to waive the renewal fee.
Tips & reviews
Community comments — not financial advice. Bank terms still apply.
SBI Card BPCL 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 4 Sept 2026
Calculate your exact earnings with SBI Card BPCL
Enter your monthly spending in groceries, dining, fuel, travel, and shopping to calculate your estimated net return after fees, reward caps and exclusions.
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