Fuel
BPCL SBI Card Credit Card
A low-fee fuel card: about 3.25% back at BPCL pumps and 1.25% on dining, groceries, movies and department stores.
Joining fee₹499 + GST
Annual fee₹499 + GST
Fee waiverOn ₹1 lakh spend a year
Top reward13 points per ₹100 at BPCL
LoungeNone
Forex markup3.5%
Best for: Two-wheeler and small-car owners who spend ₹2,000 to ₹4,000 a month at BPCL.
Rewards and cashback
| Where you spend | You earn | Limit |
|---|---|---|
| BPCL fuel (up to ₹4,000 a transaction) | 13 points per ₹100 (about 3.25%) | 1,300 points a cycle |
| Dining, groceries, movies, department stores | 5 points per ₹100 (about 1.25%) | 5,000 points a month |
| Other spends | 1 point per ₹100 | – |
| Wallet loads, rent, cash, EMI | Nothing | – |
- 1 point = ₹0.25; redeem for fuel at BPCL pumps or as statement credit.
Benefits
Welcome benefit
- 2,000 points (₹500) after first spends.
Milestones
- Annual fee waived on ₹1 lakh spend (from 1 May 2026).
Travel and lounges
- No lounge access.
Fuel and forex
- 1% fuel surcharge waiver, up to ₹100 a month.
- Forex markup 3.5%.
Fees and charges
| Joining fee | ₹499 + GST (₹589) |
|---|---|
| Annual fee | ₹499 + GST, waived on ₹1 lakh yearly spend |
| Interest | 3.75% a month |
| Forex markup | 3.5% |
GST at 18% applies on fees. Banks change charges from time to time; the bank’s own terms are final.
Who can apply
- Salaried or self-employed
You will usually need PAN, Aadhaar or address proof, and income proof (salary slips or ITR). A credit score of 750 or more improves your chances.
Pros and cons
What we like
- Low fee
- Easy waiver
- Points usable for fuel
Watch out for
- Lower fuel return than BPCL Octane
- Small fuel cap
- No travel perks
Recent changes
- 1 May 2026Fee waiver target doubled from ₹50,000 to ₹1 lakh.
Frequently asked questions
BPCL SBI or BPCL SBI Octane?
Octane gives about 6.25% at BPCL and lounge access for ₹1,499; the basic BPCL card gives about 3.25% for ₹499. Octane pays off if you spend over about ₹5,000 a month on fuel.
Ready to apply for the BPCL SBI Card Credit Card?Applying takes about 10 minutes online. Approval depends on the bank.
Apply nowSimilar cards
Sources: CardAdvisor. Details checked on 22 Oct 2026. For information only, not financial advice; always read the bank’s most important terms (MITC) before applying.