BPCL SBI Card
A fuel card for BPCL pumps: 13 points per ₹100 at BPCL (about 3.25%) plus a 1% surcharge waiver, 5 points per ₹100 on dining and groceries, 1 elsewhere; 4 points = ₹1. Every figure below is copied from SBI Card’s own documents; open a figure’s source link to read it there. Official terms last checked 2026-10-16.
Fees and charges
| Joining fee | ₹499 plus GST Product page |
|---|---|
| Annual fee | ₹499 plus GST Product page |
| Annual fee waiver | On ₹1,00,000 of spend in the year Product page |
| GST on fees | 18% |
| Foreign-currency markup | 3.5% of the transaction, plus GST MITC |
Rewards
Reward points, ₹0.25 each when redeemed as stated Product page.
| Spend | Earns | Cap |
|---|---|---|
| Fuel at BPCL (card swipe) | 13 points per ₹100 Terms | up to 1,300 points a statement cycle Terms |
| Dining, department stores, groceries and movies | 5 points per ₹100 Product page | up to 5,000 points a month Product page |
| Other retail purchases | 1 point per ₹100 Product page | no cap on record |
Points can be redeemed instantly at BPCL pumps with no minimum and no fee on record; statement credit and physical rewards carry a ₹99 fee. Fuel paid by UPI earns no points and no waiver.
No rewards on
- Fuel at non-BPCL pumps Product page
- Wallet loads Terms
- Rent (from 15 Apr 2024) Terms
Benefits
- Lounges: none on record
- Fuel: 1% fuel surcharge waived at BPCL on swipes up to ₹4,000, up to ₹100 a month Product page
- Welcome: 2,000 bonus reward points worth ₹500 after the joining fee is paid Product page
Eligibility
The issuer does not publish its criteria on the pages read. Approval is its own decision.
Not published by SBI Card in the documents read
- a reward rate on UPI spends
- eligibility criteria
The quotes behind the figures
24 figures, each copied from an official SBI Card document.
Show every quote and source
“The Joining Fee of the card is Rs. 499 + taxes. The Renewal Fee is Rs. 499 + taxes from second year onwards.”
“Renewal Fee (per annum): Rs. 499 + taxes”
“for the cardholders having State of residence in the records of SBI Card on the statement date as other than “Haryana” - Integrated Tax @ 18%”
“Spend based fee reversal benefit on annual spends of Rs. 100,000.”
“Foreign Currency Transaction Fee: 3.5% (For all cards except AURUM, Elite, Prime NRI secured, Tata Neu Infinity SBI Credit Card, SBI Card Miles Elite/ Miles Prime/ Miles).”
“4 Reward Points = Re. 1”
“13 Reward Points per `100 on BPCL Fuel spends (Max. of 1300 Reward Points per statement cycle)”
“5 Reward Points on every Rs. 100 spent at Dining, Departmental Stores, Grocery & Movies (Up to 5000 Reward Points per month)”
“1 Reward point per Rs. 100 spent on other retail purchases (except Mobile wallet upload & Non-BPCL fuel spend).”
“any purchases at petrol pumps/service stations (MCCs : 5172, 5541, 5542, 5983)”
“1 Reward point per Rs. 100 spent on other retail purchases (except Mobile wallet upload & Non-BPCL fuel spend).”
“e-Wallet loading/recharge transactions identified under MCCs 6540 and 6541 (W.e.f. 1st July 2020).”
“W.e.f. 15 Apr 2024, accrual of Reward Points on Rent Payment transactions with BPCL SBI Card will be discontinued. Rent Payment transactions shall be identified under Merchant Category Code (MCC) 6513, on best effort basis.”
“Surcharge waiver will not be applicable on fuel spends done using UPI functionality on SBI Credit Card (on RuPay platform) at BPCL petrol pumps.”
“W.e.f. 1 May 2026, Annual Fee of Rs.499 for BPCL SBI Credit Card will be reversed upon reaching annual spends of Rs.1 Lakh, revised from existing spends of Rs.50,000.”
“4 Reward Point gives you `1 of free fuel. There is No minimum limit of Reward Points required for Instant Redemption”
“Fuel spends done using UPI functionality on SBI Credit Card (on RuPay platform) at BPCL petrol pumps”
“Rewards Redemption Fee: Rs.99. Applicable only on Physical products, Statement Credit & on Vouchers that are sent physically as specified in the individual product Terms & Conditions, for all cards except AURUM.”
“4.25% Value Back (13X* Reward Points equivalent to 3.25% + 1% Fuel surcharge waiver on every transaction of up to Rs. 4,000 (applicable only on swiping card at POS machines), exclusive of GST and other charges, at any BPCL petrol pump across the country.”
“No Minimum Threshold. Fuel Surcharge Waiver applicable only on BPCL Fuel transactions upto `4,000/- for a max of `100/- per month.”
“Get 2,000 bonus reward points worth Rs. 500 as welcome gift”
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“The VISA/RuPay logo: The hologram and the logo ensure that all establishments throughout the world displaying the VISA/RuPay logo will accept your card.”
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