Accessible fuel card delivering 4.25% value-back on BPCL fuel purchases with a low ₹499 fee.
₹499
One-time upfront₹499
Waived on ₹50,000 annual spend1 Reward Point per Rs 100 spent
On eligible spends3.50% + GST
Cross-currency spendsLast verified 2 Oct 2026
Objective editorial assessment, ideal spender profile, and primary trade-offs
The BPCL SBI Card is one of India's most practical entry-level co-branded fuel credit cards for daily city commuters and two-wheeler owners. Cardholders earn 13X Reward Points on fuel purchases at BPCL petrol pumps (equivalent to 3.25% value-back at 4 RP = ₹1) alongside a 1% fuel surcharge waiver, delivering a combined 4.25% net savings. Upon paying the ₹499 joining fee, cardholders receive 2,000 activation reward points worth ₹500, effectively neutralizing the first-year fee. Beyond fuel, the card provides 5X Reward Points (1.25% return) on groceries, departmental stores, dining, and movie tickets, adding utility for household spending. Points can be redeemed instantly at over 1,200 automated BPCL petrol stations via POS swipe, avoiding catalog processing fees. The primary limitation is the monthly fuel cap: 13X accelerated points are capped at 1,300 Reward Points per billing cycle (representing ₹10,000 in monthly fuel spend). Commuters spending over ₹10,000 monthly or wanting airport lounge access should consider the premium BPCL SBI Card OCTANE (25X points / 7.25% valueback) instead. Who should consider it: Commuters spending ₹2,000 to ₹8,000 monthly on petrol or diesel who regularly refuel at BPCL outlets. Who should look elsewhere: High-mileage drivers needing higher monthly fuel caps, or drivers who refuel across IndianOil and HPCL stations.
1 Reward Point/₹100 on Non-Fuel Spends – 0.25% Rewards | 5 Reward Points/₹100 on Grocery, Dining, Departmental Store & Movie Spends – 1.25% Rewards | 13 Reward Points/₹100 on BPCL Fuel Spends – 3.25% Rewards
2,000 Reward Points Worth ₹500
Base earning rates, partner merchant acceleration, redemption options, and exclusions
| Spend Category | Earn Rate | Reward Cap | Conditions |
|---|---|---|---|
| BPCL Petrol Pumps (Fuel & Lubricants) | 13X Reward Points (4.25% total valueback: 3.25% reward points + 1% fuel surcharge waiver, max 1,300 pts/billing cycle) | 1,300 Reward Points / statement cycle | Standard terms apply |
| Groceries, Departmental Stores, Movies & Dining | 5X Reward Points (5 RP per ₹100 spent = 1.25% valueback) | No Cap | Standard terms apply |
| All Other Spends | 1 Reward Point per ₹100 spent (1 RP = ₹0.25) | No Cap | Standard terms apply |
Calculate estimated net cashback and points across your actual spending pattern.
Estimate your rewards using the card's current reward rates, monthly caps and applicable fee-waiver rules.
Customize monthly spend in each category. Category amounts sum directly to your monthly spend.
| Category / Reward Bucket | Monthly Spend | Rate | Effective Rate | Cap Period | Eligible Reward | Cap Status |
|---|---|---|---|---|---|---|
| BPCL Petrol Pumps (Fuel & Lubricants) | ₹6,000 | 13X Reward Points (4.25% total valueback: 3.25% reward points + 1% fuel surcharge waiver, max 1,300 pts/billing cycle) | — | ₹1,300/statement_cycle | Calculating... | Under cap |
| Groceries, Departmental Stores, Movies & Dining | ₹6,000 | 5X Reward Points (5 RP per ₹100 spent = 1.25% valueback) | — | None | Calculating... | Under cap |
| All Other Spends | ₹18,000 | 1 Reward Point per ₹100 spent (1 RP = ₹0.25) | — | None | Calculating... | Under cap |
| Total Monthly Cashback | ₹30,000 | - | — | - | ₹0 / mo | Zero cap loss |
₹3.6 lakh
12 billing cycles₹0
0% blended return-₹499
Standard renewal+₹0 / yr
Rewards - FeeDomestic and international lounge privileges, spend hurdles, and participating terminals
This card is tailored primarily for shopping rewards, cashback, or specific co-branded spend and does not include complimentary airport lounge visits.
Complete breakdown of joining, renewal, forex, financing APR, and transaction charges
Fee Structure: ₹499 + GST joining fee and ₹499 + GST renewal fee. Renewal fee is reversed on spending ₹50,000 or more in the preceding membership year. Fuel Rewards: 13X Reward Points on fuel purchases at BPCL outlets for transactions up to ₹4,000 (3.25% valueback; 1 RP = ₹0.25). 13X points are capped at 1,300 Reward Points (₹325 value) per billing cycle. Accelerated Categories: 5X Reward Points (1.25% return) on groceries, departmental stores, movies, and dining spends, subject to a combined cap of 5,000 Reward Points per month. Base Rewards: 1 Reward Point per ₹100 spent on all other non-fuel retail purchases (0.25% return). Fuel Surcharge Waiver: 1% fuel surcharge waiver on BPCL fuel transactions up to ₹4,000 (excluding GST). Maximum surcharge waiver of ₹100 per statement cycle. Redemption Mechanics: 4 Reward Points = ₹1. Points can be redeemed instantly for fuel at over 1,200 participating BPCL outlets or via the SBI Card rewards portal.
Evaluate whether this card's perks and waiver threshold justify its ₹499 renewal fee.
Income criteria, minimum age, CIBIL score benchmark, and verification checklist
Eligibility criteria not specified
Verified eligibility criteria are not currently available for this card. Check the issuer's latest terms before applying.
Common questions regarding BPCL SBI Card application, fees, reward redemption, and eligibility
Alternative credit cards with comparable reward rates, annual fee waivers, and perks
Direct online application on the official SBI Card portal with paperless verification.
Alternative credit cards with comparable reward rates, annual fee waivers, and perks
Best for: BPCL Fuel Users, Highway Drivers & Everyday Commuters
Rewards: 1 Reward Point per Rs 100 spent
Lounge access: 1 Domestic visits/quarter
Renewal fee waived on ₹2,00,000 annual spend
Last verified 2 Oct 2026
Best for: IndianOil Petrol/Diesel Buyers & RuPay UPI Convenience
Rewards: 1 EDGE Point per Rs 100 spent
Renewal fee waived on ₹50,000 annual spend
Last verified 2 Oct 2026
Best for: Everyday In-Store Spenders, Dining/Groceries & RuPay UPI
Rewards: 1 Reward Point/₹150 Spent (Reward Rate = 0.17%) and 10X RPs for Spends on Movies, Grocery, Dining, & Departmental Stores (Reward Rate 1.7%)
Renewal fee waived on ₹1,00,000 annual spend
Last verified 2 Oct 2026
IndianOil Easy Axis Bank Credit Card
Best for: Fuel savings against Axis Bank Fixed Deposit
Renewal fee waived on ₹50,000 annual spend
Last verified 14 Oct 2026
Best for: Ultra-high-net-worth individuals, conglomerate chairpersons, family office principals, and top executives demanding bespoke global lifestyle privileges.
Rewards: 1 EDGE Mile/₹100 Spent on All Transactions
Lounge access: Unlimited Domestic & International
Forex markup: 1.5% Low Forex
Last verified 3 Oct 2026
Best for: Daily motorists, highway commuters, and budget-conscious suburban families looking to save up to 6.5% on HPCL fuel along with solid 5% grocery and utility returns.
Rewards: Up to 6.5% savings on HPCL fuel; 5% on grocery, utility, and FASTag; 3X on other retail
Lounge access: 1 Domestic visits/quarter · ₹20k monthly spend required
Forex markup: 0% (Zero Forex)
Renewal fee waived on ₹1,50,000 annual spend
Last verified 17 Sept 2026
