BPCL SBI Card
SBI Card
Last verified: 23 Sept 2026
Reward Program
| Category | Earn Rate | Monthly Cap |
|---|---|---|
Fuel at BPCL petrol pumps | 3.25% | ₹1,300/monthly |
Dining, departmental stores, grocery and movies | 1.25% | ₹5,000/monthly |
| All other spends | 0.25% | No cap |
Redemption fee: 99
Managed via SBI Card Rewards Catalogue, SBI Card mobile app and net banking
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63 activeBenefits
Fuel Surcharge Waiver
1% fuel surcharge waiver on every BPCL transaction up to ₹4,000, exclusive of GST and other charges, with no minimum threshold. It applies ONLY on swiping the card at a POS machine at a BPCL pump — not to non-BPCL fuel. SBI adds this to the 3.25% Reward Point rate and markets the combination as 4.25% value back; its own footnote makes the arithmetic explicit.
Welcome Benefit
2,000 bonus Reward Points worth ₹500
Credited only after the joining or annual fee has been paid and realised by SBI Card.
Redeemable against fuel at BPCL outlets or through the Shop n Smile catalogue.
Reward Calculator
Assumes the best-paying merchant everywhere, so read it as a ceiling rather than an average.
What this card is worth
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Fees & Charges
| Joining Fee | ₹499/yr |
| Renewal Fee | ₹499/yr |
| Fee Waiver | Spend ₹1,00,000/year |
| Forex Markup | 3.5% |
| Interest Rate | 45% p.a. |
| Cash Advance Fee | 2.5% of the transaction amount, subject to a minimum of ₹500, at domestic and international ATMs. |
| Reward Redemption Fee | 99 |
