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

Min. incomeNot published

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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

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BPCL SBI vs IndianOil HDFC

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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 by the bank. Sources: SBI Card: BPCL SBI Card. Banks change terms often, so confirm on the SBI Card website before applying.