BPCL SBI Card
Updated 3 Jul 2026Source-linked
The BPCL SBI Card is a entry co-branded credit card from SBI Card and BPCL, with a joining fee of ₹499 + GST.
It earns up to 13 pts per ₹100 (≈2.9% value) on BPCL spends in the form of reward points (points).
Welcome benefit: 2,000 bonus Reward Points worth ₹500 (credited within 20 days of Joining Fee payment).
BPCL SBI Card
- Joining Fee₹499
- Annual Fee₹499
- Best Suited ForFuel
- Reward TypeReward Points (points)
Rewards Rate
- 13 pts per ₹100 on bpcl fuel (cap 1300 points / statement)
- 5 pts per ₹100 on dining departmental grocery movies (cap 5000 points / monthly)
- Base 0.22% on other spends
Welcome Benefits
- 2,000 bonus Reward Points worth ₹500 (credited within 20 days of Joining Fee payment)
Rewards and Benefits
Rewards Rate
13 pts per ₹100 on bpcl fuel (cap 1300 points / statement)
5 pts per ₹100 on dining departmental grocery movies (cap 5000 points / monthly)
Base 0.22% on other spends.
Reward Redemption
Redeem at ₹0.25 per unit.
Welcome Benefits
2,000 bonus Reward Points worth ₹500 (credited within 20 days of Joining Fee payment)
Milestone Rewards
N/A
Domestic Lounge Access
N/A
International Lounge Access
N/A
Travel
N/A
Movie & Dining
N/A
Golf
N/A
Insurance Benefits
N/A
Other Benefits
N/A
Fees & Charges
Spend-Based Waiver
₹1,00,000 in the preceding year
Rewards Redemption Fee
N/A
Foreign Currency Markup
3.50%
Interest Rates
3.75% per month (45.0% annualised)
Fuel Surcharge Waiver
1.0% waiver on transactions and ₹4,000, capped at ₹100 per statement.
Cash Advance Charges
2.5% or ₹500 (whichever is higher)
Product Details
- Co-branded entry card by SBI Card and BPCL.
- Joining / annual fee of ₹499 + GST, waived on annual spends of ₹1,00,000.
- Available on the Visa network.
Pros & Cons
Pros
- Annual fee waivable on ₹1,00,000 spend.
Cons
- Standard forex markup of 3.50% — suboptimal for international spend.
- No complimentary airport lounge access.
₹500 welcome benefit
- 2,000 bonus Reward Points worth ₹500 (credited within 20 days of Joining Fee payment)Payment of Joining FeeWindow: 20 days from issuance.
Accelerated rewards
- 13 pts per ₹100 on bpcl fuel (cap 1300 points / statement)Merchants: bpcl-fuel-stations4.25% value back (13X Reward Points, i.e. 3.25% + 1% fuel surcharge waiver) on fuel at BPCL petrol pumps, on transactions up to ₹4,000. Max 1,300 Reward Points per billing cycle.
- 5 pts per ₹100 on dining departmental grocery movies (cap 5000 points / monthly)5 Reward Points per ₹100 on Dining, Departmental Stores, Grocery & Movies (up to 5,000 Reward Points per month).
Capping rules
- Base 1 RP per ₹100 on other retail purchases, excluding mobile wallet uploads and non-BPCL fuel spends.
Exclusions
The following spend categories earn no rewards on this card:
- wallet loads
Fuel surcharge waiver
1.0% waiver on fuel transactions and ₹4,000, capped at ₹100 per statement.
Sources
- : www.sbicard.com · retrieved 3 Jul 2026
Last verified 3 Jul 2026. Verify with the issuer before applying.
Eligibility
- Age
- 21–65
- Credit score
- —
- Income (salaried)
- —
- Income (self-employed)
- —