BPCL SBI Card
Save up to 4.25% on fuel
Annual Fee
₹499
Base Rewards
0.3%
Forex Fee
3.5%
Expert Verdict
The BPCL SBI Card is a specialized fuel card designed for the mass market. It offers one of the best value-back rates for fuel at its price point, provided you stick to BPCL stations. While the base reward rate is low, its utility in everyday categories like groceries and dining makes it a balanced choice for budget-conscious Indian consumers.
Quick Match
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Your Estimated Value
Year 1
+₹1,501
Includes ₹500 bonus
Year 2+
+₹1,001
Fee waiver eligible!
Why get this card
High value back of 4.25% on BPCL fuel purchases
Low annual fee with a reachable waiver threshold of 50,000 INR
Broad accelerated categories including Dining, Movies, and Groceries
Activation bonus points effectively cover the first-year joining fee
Watch out for
Low reward point value (1 point = 0.25 INR)
Reward points on fuel capped at 2,500 points per billing cycle
No lounge access or premium lifestyle benefits
+1 more considerations
- Excludes non-BPCL fuel pumps from accelerated rewards
Who is this card for?
Best for
daily commuters
Individuals who frequently refuel at BPCL petrol pumps for their daily travel.
Min: ₹5,000/mo
entry level users
Users looking for their first co-branded credit card with a low maintenance cost.
Skip if you're
high spenders
High spenders will find the fuel reward caps and low base rate limiting.
luxury travelers
No lounge access or air mile transfer options available.
Base Earning
1 Reward Points
per ₹100 spent
0.3%
effective rate
Point value: ₹0.25/point
Bonus Categories
BPCL - FUEL
13×
3.25% return
2500 pts/month
Groceries, Dining, Movies, Departmental Stores - SHOPPING
5×
1.25% return
5000 pts/month
Welcome Offer
Points credited after payment of the joining fee.
2,000
points
₹500
value
within 30 days
Milestones
Spend ₹0.5L
Annual fee reversal on spends of Rs. 50,000 or more in the previous year.
No rewards on:
Fuel, rent payments, utility bills, government payments, wallet loads, insurance premiums, EMI transactions
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