BPCL SBI Credit Card
SBI Cards · Visa
Why this card?
- 3.25% back in reward points on fuel at Bpcl, up to ₹325 a month; 0.25% on other spends
- ₹499 joining and annual fee; renewal fee waived on ₹1 lakh yearly spend
- 1% fuel surcharge waiver
Card details
- Issuer
- SBI Cards
- Network
- Visa
- Annual Fee
- ₹499
- Joining Fee
- ₹499
- Reward Type
- points
- Best Reward Rate
- 3.25% on fuel at bpcl (capped at ₹325/month)
- Forex Markup
- 3.5%
- Domestic Lounge
- None
- Min. Monthly Income
- ₹15,000
- Rates verified
- 2026-10-06
Our verdict
The BPCL SBI card is the go-to fuel card for BPCL pump regulars — 4.25% effective value back on fuel at 13X reward points (including the 1% surcharge waiver) is among the highest in its fee bracket, capped at ₹325 a month in points on the first ₹10,000 of BPCL spend. The fee is waived at ₹1 lakh annual spend, which is manageable for many working adults. Pure fuel card, not an everyday driver.
Pros
- 4.25% effective value back at BPCL — 13X reward points on fuel plus the surcharge waiver
- 1% fuel surcharge waiver on BPCL transactions up to ₹4,000 (up to ₹100 a month)
- Fee waiver at ₹1 lakh annual spend
- 5X reward points (about 1.25% back) on groceries, departmental stores, movies and dining, up to 5,000 points a month
Cons
- Benefits restricted to BPCL pumps — no value at IndianOil or HPCL
- Reward in points (not direct cashback) — requires redemption step
- No lounge access whatsoever
- Base rate is only 1 reward point per ₹100 (about 0.25%) on other spends
Frequently Asked Questions
Does the 4.25% work at all BPCL outlets?
Yes — all BPCL-branded Bharat Petroleum outlets qualify. The 13X reward points apply to every fuel transaction at BPCL, giving 4.25% effective value when redeemed at ₹0.25 per point (standard SBI redemption rate).
How do I redeem BPCL SBI reward points?
Points can be redeemed against BPCL fuel purchases directly at the pump, or as statement credit via the SBI Card portal. Fuel redemption gives the best per-point value and is the simplest option.
What if my nearest pump is IndianOil, not BPCL?
If you primarily fill up at IndianOil (IOCL) pumps, the HDFC IndianOil or Indian Oil Axis card will serve you better. Fuel co-branded cards are most valuable when matched to your nearest or most-used pump brand.