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Credit Cards · India

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).

SBI Card logo
BPCL SBI Card
Visa logo
  • 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)
Data verified 3 Jul 2026 — see our methodology
SBI Card logoSBIVisa logoentryCo-brand · BPCL ↗
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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

See the math — accelerations & caps

What you'd realistically keep — caps applied, channel premiums cut when you don't route through them, realized redemption value.

  • Groceries₹88/mo

    You spend ₹8,000 · earns 1.1% = ₹88 uncapped

    • Capped at ₹1,100/mo
    • Valued at realized redemption value
  • Dining & food delivery₹88/mo

    You spend ₹8,000 · earns 1.1% = ₹88 uncapped

    • Capped at ₹1,100/mo
    • Valued at realized redemption value

Base-rate spend

Non-accelerated spend, summarized at this card's base rate.

  • Online shopping₹15,000 · 0.2% = ₹33/mo
  • Fuel₹4,000 · 0.2% = ₹9/mo

    Fuel — earns base; accelerated rate needs booking via bpcl

  • Travel & hotels₹10,000 · 0.2% = ₹22/mo
  • Utilities & bills₹5,000 · 0.2% = ₹11/mo
Est.net rewards for this spend, realistic
₹3,010/yr

₹3,010 rewards − ₹0 annual fee. Estimate for the spend you entered.

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.
Pros & cons are heuristically derived from the card's fees, rewards and benefits. Not editorial opinion.

₹500 welcome benefit

  • 2,000 bonus Reward Points worth ₹500 (credited within 20 days of Joining Fee payment)
    Payment of Joining Fee
    Window: 20 days from issuance.

Accelerated rewards

  • 13 pts per ₹100 on bpcl fuel (cap 1300 points / statement)
    Merchants: bpcl-fuel-stations
    4.25% 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

Last verified 3 Jul 2026. Verify with the issuer before applying.

Eligibility

Age
21–65
Credit score
—
Income (salaried)
—
Income (self-employed)
—
Tagsco brandedfuelbpclentry tierpoints