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Last updated: 8 November 2026
Free to apply via CardsGuruji · subject to issuer approval
What you earn on every spend, and the ways you can cash it in.
You earn
13X Points on BPCL fuel, 5X on select categories, 1X elsewhere
13X Reward Points on BPCL fuel purchases (capped at 1,300 points per billing cycle). 5X Reward Points on Dining, Groceries, Departmental Stores, and Movies (capped at 5,000 points per month). 1 Reward Point per ₹100 on other retail spends. 4 Reward Points = ₹1 (Base redemption value of ₹0.25 per point).
Redeem for
The privileges that come bundled in, beyond the reward points.
Annual fee of ₹499 is reversed on spending ₹1,00,000 or more in the previous year (effective May 1
2026)
1% fuel surcharge waiver on transactions between ₹500 and ₹4,000 at BPCL petrol pumps (capped at ₹100 per month)
Available on the RuPay network, allowing you to link the card to UPI apps for merchant payments
An honest read on where this card earns its keep — and where it doesn't.
High return of 4.25% on BPCL fuel (3.25% from 13X points + 1% surcharge waiver)
Low annual fee of ₹499
Offers a RuPay variant for UPI payments
Instant redemption of reward points for fuel at select BPCL outlets
Annual fee waiver milestone was doubled to ₹1 Lakh in May 2026
Strict cap on accelerated fuel rewards (~₹10,000 fuel spend per cycle)
Very low base reward rate (0.25%) on general non-category spending
No rewards earned on non-BPCL fuel stations
Everything the issuer can bill you for, in one place.
Applied only when the situation arises
Charged on any balance you carry forward
Fee waiver: most issuers waive the renewal fee once your yearly spends cross a set threshold. Confirm the exact criteria with SBI before you apply.
Issuer-stated requirements and CardsGuruji guidance are shown separately.
Note: A displayed score is editorial guidance only unless separately identified as an issuer-stated requirement.
See how SBI BPCL Credit Card stacks up against competing cards on reward rates, annual charges, and milestone perks.
Use our customizable comparison tool to benchmark fees, lounge access, and rewards.
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Everything you need to know about SBI BPCL Credit Card fees, reward conversion, lounge access, and application eligibility.
SBI BPCL Credit Card has an annual fee of ₹499 plus 18% GST. Most cardholders can get subsequent annual renewal fees waived by reaching the bank's annual milestone spend threshold. Additionally, the initial fee is often offset by welcome privileges like "2,000 Bonus Reward Points (worth ₹500) credited within 20 days of paying the joining fee.".
SBI BPCL Credit Card earns Reward Points at a primary rate of 13X Points on BPCL fuel, 5X on select categories, 1X elsewhere. Specifically, 13X Reward Points on BPCL fuel purchases (capped at 1,300 points per billing cycle). 5X Reward Points on Dining, Groceries, Departmental Stores, and Movies (capped at 5,000 points per month). 1 Reward Point per ₹100 on other retail spends. 4 Reward Points = ₹1 (Base redemption value of ₹0.25 per point).. Spends in Fuel, Entry Level, Rewards categories provide the maximum valueback per transaction on this card.
Yes, because SBI BPCL Credit Card is on the RuPay network, you can link it directly to any UPI application including Google Pay, PhonePe, Paytm, and BHIM. This allows you to scan merchant QR codes at local stores and pay from your credit card account while earning reward points.
Rewards earned on SBI BPCL Credit Card can be redeemed for Fuel at BPCL Outlets, Shop n Smile Catalogue, Cashback / Statement Credit via SBI's official rewards portal or mobile banking app. Points earned remain valid for 24 months from the transaction date before expiring.
A CIBIL credit score of 700 or above is strongly recommended for approval of SBI BPCL Credit Card. Applicants should be Indian residents aged 21 to 65 years with a stable monthly income (salaried or self-employed with ITR) and no recent payment defaults or high credit utilization over 30%.
SBI BPCL Credit Card levies a forex markup fee of 3.5% + GST on transactions processed in foreign currencies. For cross-border shopping and overseas travel, remember that standard 18% GST applies on the markup charge.
SBI BPCL Credit Card currently features a welcome offer: "2,000 Bonus Reward Points (worth ₹500) credited within 20 days of paying the joining fee.". To claim this joining perk, cardholders typically need to activate the card and complete a qualifying initial transaction within 30 to 60 days of card issuance.
Key highlights include High return of 4.25% on BPCL fuel (3.25% from 13X points + 1% surcharge waiver) and Low annual fee of ₹499. However, keep in mind that Annual fee waiver milestone was doubled to ₹1 Lakh in May 2026 and Strict cap on accelerated fuel rewards (~₹10. Overall, SBI BPCL Credit Card delivers strong value if your regular spending aligns with Fuel, Entry Level, Rewards.
SBI BPCL Credit Card is focused on Fuel and Entry Level and Rewards valueback and does not include unconditional complimentary airport lounge visits as a core benefit. If lounge access is a deciding factor for your travels, consider pairing this with a dedicated premium travel credit card.
Yes, SBI BPCL Credit Card includes a 1% fuel surcharge waiver for fuel spends typically between ₹400 and ₹4,000 at all government and private fuel stations in India. (1% fuel surcharge waiver on transactions between ₹500 and ₹4). The monthly waiver is subject to a cap, and GST charged on the surcharge is non-refundable.
