Find my card
FuelBeginner friendly

BPCL SBI Card Credit Card Review

BPCL SBI Card is best for budget fuel savings at bpcl pumps for a ₹499 fee. 4.25% value back on fuel at BPCL pumps.

Annual fee₹499 + GST
Fee waiver₹1,00,000 / year
Top reward rate4.25%
Forex markup3.5%
NetworkVisa / Mastercard
More from SBI CardAll SBI Card cards
Min. incomeNot published
Visit SBI Card website Calculate my rewards

Pros

  • 4.25% value back on fuel at BPCL pumps
  • 5X reward points on groceries, department stores, movies and dining
  • 2,000 bonus points on paying the joining fee
  • Renewal fee reversed on ₹1 lakh yearly spend

Cons

  • Fuel rewards only at BPCL
  • Low 0.25% value on other spends
  • Monthly caps on fuel points

Reward rate by category

Effective value back per ₹100 spent. 3.25% as reward points (₹0.25 each) plus 1% fuel surcharge waiver at BPCL pumps.

Amazon0.25%
Flipkart0.25%
Other online shopping0.25%
Food delivery0.25%
Dining out1.25%
Groceries1.25%
Flights & hotels0.25%
Fuel4.25%
Bills & recharges0.25%
Everything else0.25%

Caps, tiers & milestones

  • 13X fuel points capped at 1,300 a month; surcharge waiver on BPCL fuel up to ₹4,000 per transaction, max ₹100 a month
  • 5X points capped at 5,000 a month

How much could you earn?

Estimated yearly value after fees and caps for typical spending patterns.

Balanced spender
₹3,96,000/yr spend
₹3,390
Online shopper
₹3,90,000/yr spend
₹1,515
Frequent traveller
₹8,04,000/yr spend
₹-786
Family & groceries
₹5,88,000/yr spend
₹6,030

Use my own spends

Lounge access

None

Recent changes to this card

  1. Devaluation SBI Card

    BPCL SBI OCTANE: fuel rewards limited to ₹7,000 a month

    Accelerated fuel rewards now apply to about ₹7,000 of BPCL fuel a month. The BPCL SBI Card renewal fee is reversed on ₹1 lakh yearly spend.

    BPCL SBI Octane · BPCL SBI · Source

See all credit card changes →

Compare BPCL SBI with

Cardholder reviews

Reviews are written by readers and checked by us before publishing. They're personal experiences and don't affect our rankings, which are calculated from card terms.

Loading reviews…

Write a review of BPCL SBI

Similar credit cards

HDFC Bank Millennia Credit Card

CashbackShoppingBeginner friendly
Annual fee₹1,000 + GST
RewardsUp to 5%
Forex markup3.5%
  • 5% cashback on 10 merchants: Amazon, BookMyShow, Cult.fit, Flipkart, Myntra, Sony LIV, Swiggy, Tata CLiQ, Uber and Zomato
  • 1% cashback on other spends
  • ₹1,000 gift voucher every quarter you spend ₹1 lakh
View details

BPCL SBI Card FAQs

What is the annual fee of the BPCL SBI Card credit card?

The BPCL SBI Card credit card has a joining fee of ₹499 and an annual fee of ₹499, plus 18% GST. The annual fee is waived if you spend ₹1,00,000 or more in a card year.

Is BPCL SBI Card a good credit card?

The BPCL SBI Card card is best for: budget fuel savings at bpcl pumps for a ₹499 fee. Its main strengths are: 4.25% value back on fuel at bpcl pumps; 5x reward points on groceries, department stores, movies and dining. Its main drawback: fuel rewards only at bpcl.

What is the forex markup on BPCL SBI Card?

The BPCL SBI Card card charges a 3.5% forex markup on international transactions, plus 18% GST on the markup.

Does BPCL SBI Card offer airport lounge access?

No, the BPCL SBI Card card does not offer complimentary airport lounge access.

✓ Details verified 26 September 2026Minimum income: not published. Sources: SBI Card: BPCL SBI Card. Banks change terms often, so confirm on the SBI Card website before applying.
0 selectedCompare now