BPCL SBI Credit Card benefits
- Fuel13
reward points per ₹100 on BPCL fuel
up to 1,300 points per statement cycle
- Rewards5
reward points per ₹100 on groceries, department stores, dining and movies
up to 5,000 points a month
- Fuel1
reward point per ₹100 on other retail spends; 4 points equal ₹1 of free fuel
- Fees
Renewal fee waived on yearly spends of ₹1 lakh or more
- Fuel1%
fuel surcharge waiver at BPCL pumps
up to ₹100 a month
Good to know
- Joining and renewal fee of ₹499 before GST
BPCL SBI Credit Card rewards and cashback
| Where you spend | Rate | Monthly limit |
|---|---|---|
| BPCL pumpsBPCL fuel only. The 1,300 point limit applies per statement cycle, which covers ₹10,000 of fuel spend. | 13 points per ₹100 | 1,300 |
| GroceriesGrocery and department stores. The 5,000 point monthly limit is shared with dining and movies. Metro Cash & Carry, Reliance Market and Walmart do not earn this rate. | 5 points per ₹100 | 5,000 |
| Dining and food deliveryDining and movies. The 5,000 point monthly limit is shared with groceries and department stores. | 5 points per ₹100 | 5,000 |
| Everything else | 1 points per ₹100 | None |
We value one point at ₹0.25 in the usual redemption.
No rewards on: Fuel at non-BPCL pumps and other petrol pump purchases, wallet loads, rent, balance transfers, cash advances, Flexipay and merchant EMI.
All reward rules
- 4 reward points give ₹1 of free fuel, so 1 point is worth ₹0.25.
- SBI Card describes 4.25% value back on BPCL fuel: 13 points per ₹100 (3.25%) plus the 1% fuel surcharge waiver.
- After the monthly limit on groceries, dining and movies, you earn 1 point per ₹100.
- Points on BPCL fuel are earned on up to ₹10,000 of fuel spend a month.
- New cardholders get 2,000 activation bonus reward points, worth ₹500, after paying the joining fee. SBI Card credits them about 20 days after payment.
- Reward points for rent payments stopped from 1 July 2023.
What the BPCL SBI Credit Card gives back in a year
Say you spend ₹30,000 a month, like our “food and groceries” pattern, using BPCL pumps where the card pays extra. Worked out with the same maths as the calculator above.
| Spending | A month | Back | A year |
|---|---|---|---|
| Groceries | ₹10,000 | 1.25% | ₹1,500 |
| Dining and food delivery | ₹9,000 | 1.25% | ₹1,350 |
| Online shopping | ₹3,000 | 0.25% | ₹90 |
| Travel | ₹1,000 | 0.25% | ₹30 |
| Fuel | ₹2,000 | 3.25% | ₹780 |
| Bills and utilities | ₹3,000 | 0.25% | ₹90 |
| Everything else | ₹2,000 | 0.25% | ₹60 |
| Total | ₹30,000 | ₹3,900 | |
| Renewal fee with GST | Waived | ||
| You keep | ₹3,900* |
That is ₹438 a year more than the IndianOil HDFC Bank Credit Card on the same spending.
BPCL SBI Credit Card annual fee and charges
- Joining fee
- ₹499
- Annual fee
- ₹499
- Fee waiver
- ₹1,00,000 a year
- Foreign currency markup
- 3.5%
The renewal fee is waived if you spend ₹1 lakh or more in the previous year. SBI Card raised this limit from ₹50,000 to ₹1 lakh from 1 May 2026. Fees are before GST. From 1 December 2026, SBI Card charges a 1% fee on total fuel spends if fuel transactions in a billing cycle exceed ₹50,000.
Fuel surcharge: 1% waiver at BPCL pumps on transactions up to ₹4,000, up to ₹100 per month.
BPCL SBI Credit Card eligibility
- Age
- 21 to 70
SBI Card's issuance policy sets 21 to 65 years for salaried people and 25 to 70 years for self-employed people. Exceptions need internal approval. The documents we checked give no minimum income for this card.
The bank alone decides approval and your credit limit.
BPCL SBI Credit Card lounge access
The bank's terms list no fixed number of free airport lounge visits on this card.
The card is not on SBI Card's domestic airport lounge list from January 2026, and its terms give no lounge benefit.
Is the BPCL SBI Credit Card right for you?
A card with a ₹499 fee that spending can waive, paying 3.25% at BPCL pumps and a below-average 0.25% elsewhere.
Worth its fee if you spend about ₹5,000 a month or more. Below that, the ₹499 fee costs more than the card gives back on spending like the example above.
Good for you if
- You spend a lot at BPCL pumps: the card pays 3.25% back there, against 0.25% on most other spends.
- You spend ₹1,00,000 a year or more (about ₹8,400 a month), so the ₹499 renewal fee is waived.
Not for you if
- You spend less than about ₹8,400 a month: you would pay ₹589 a year with GST.
- You spend more than ₹10,000 a month at BPCL pumps: the higher rate stops there.
- You rarely use BPCL pumps: outside them the card pays 0.25%.
Check the latest fees and terms on the bank's page before you apply.
Alternatives to BPCL SBI Credit Card
Two similar cards to weigh up before you apply. The last column shows what each may be worth on ₹30,000 a month of mixed spending, after the renewal fee with GST. Rates paid only at named brands are not counted, so a brand card can earn more if you shop there.
| Card | Annual fee | Rewards up to | You keep a year |
|---|---|---|---|
| BPCL SBI Credit Card | ₹499 | 3.25% | ₹1,890* |
| IndianOil HDFC Bank Credit Card | ₹500 | 4.8% | ₹3,693* |
| BPCL SBI Card OCTANE | ₹1,499 | 6.25% | ₹3,240* |
*Estimate only, not a promise. We work it out from the bank's published terms and the spending you enter. What you actually get depends on the bank, your transactions and any change in its terms.
Frequently asked questions
What is the annual fee of the BPCL SBI Credit Card?
The joining fee is ₹499 and the renewal fee is ₹499 a year, both before GST. The renewal fee is waived if you spend ₹1 lakh or more in the previous year.
Is the BPCL SBI Credit Card lifetime free?
No. It has a ₹499 joining fee and a ₹499 renewal fee. You can avoid the renewal fee only by spending ₹1 lakh or more in the previous year.
What is the reward limit on BPCL fuel?
You earn 13 reward points per ₹100 on BPCL fuel, up to 1,300 points per statement cycle. That limit is reached at ₹10,000 of BPCL fuel spend. Since 4 points equal ₹1 of free fuel, 1,300 points are worth ₹325.
Does this card have a fuel surcharge waiver?
Yes, at BPCL pumps only. You get a 1% waiver on transactions up to ₹4,000, up to ₹100 a month.
Is there a new fee on fuel spends from December 2026?
Yes. From 1 December 2026, if your fuel transactions in a billing cycle exceed ₹50,000, SBI Card charges a 1% fee on your total fuel spends in that cycle.
Who can apply for the BPCL SBI Credit Card?
SBI Card's policy sets an age of 21 to 65 years for salaried people and 25 to 70 years for self-employed people. The documents we checked do not give a minimum income for this card.