SBI Card
BPCL SBI Credit Card
Annual Fee
₹589₹499 + GSTBase Reward
0.25% points
Foreign Markup
3.5% of the transaction amount
Welcome Benefits
2,000 Reward Points Worth ₹500
Product Highlights
- 2,000 Activation Bonus Reward Points worth ₹500 on payment of joining fee.
- 1 Reward Point per ₹100 spent with the card on non-fuel transactions.
- 5X Reward Points on departmental stores, groceries, dining, and movie spends.
- 13X Reward Points on fuel spends at BPCL filling stations.
Category Rewards
dining
5X on dining, groceries, movies, departmental stores
5X
grocery
5X on dining, groceries, movies, departmental stores
5X
Specialty
5X on dining, groceries, movies, departmental stores
5X
entertainment
5X on dining, groceries, movies, departmental stores
5X
Fee Waiver
Renewal fee is waived off on a minimum spend of ₹50,000 in an anniversary year.
Merchant-Specific Rewards
1 pt ≈ ₹0.25–₹0.50
BPCL
13X at BPCL fuel
Reward Calculator
Earns ₹1,331/year (net)
Modest gain. Solid hold if you like the perks.
₹16K
across all your buckets
7.7K
SBI Reward Points
₹1.9K
via standard · ₹0.25/pt
Effective rate
1.00%
Annual fee
₹589
Year 1 net
+₹1,331
Year 2+ net
+₹1,331
ongoing
Adjust your spend by reward bucket
3 bucketsReal Reward Ceiling
Headline %s are gated by caps. Here's how far each accelerator stretches before it falls back to the base rate.
13X at BPCL fuel
Headline: 3.25% effective
Surcharges & Exclusions
Watch-outs that quietly erode your effective rewards. Categories listed as “excluded” earn 0% even if the merchant looks normal.
Foreign exchange markup
3.5%Charged on every international (non-INR) transaction
Excluded from rewards
fuel, balance transfer, cash advance, emi, utility, insurance, jewelry, education, railways, wallet
Fuel surcharge waiver (good news)
1%on ₹500–₹4,000 fuel txns · capped at ₹100/cycle
Surcharges are typically charged 1 cycle after the transaction and may include GST. Always confirm with the bank's most recent T&C.
Rewards Details
Earn 13 Reward Points on every ₹100 spent on fuel purchases at BPCL stations, 5 Reward Points on every ₹100 spent on groceries, departmental stores, dining, and movies.
- 4 Reward Points = Re. 1 against statement balance, gift vouchers on sbicard.com or SBI mobile app.
Benefits & Features
5X Reward Points on movie and dining spends.
Pros & Cons
Pros
- Great reward points on fuel transactions at BPCL petrol pumps.
- Low joining cost of ₹499.
Cons
- No domestic or international lounge access.
- No insurance benefits provided.
Additional Info
Max 5,000 Reward Points per month at an accelerated rate.
Partner Merchants
Ready to apply?
Apply directly on the bank's official website. Quick approval, no hidden steps.
Apply NowOfficial bank website · Secure
Fees & Charges
Eligibility
Networks
Fee Waiver
Renewal fee is waived off on a minimum spend of ₹50,000 in an anniversary year.