BPCL SBI Card review: fees, rewards and eligibility
The BPCL SBI Card has a recorded annual fee of ₹499 plus GST and a base earn of 1 Reward Point per ₹100 on eligible other retail purchases. CardMasters checked its issuer terms on 2026-08-08. Affiliate commission never changes ranking; confirm final terms and approval with SBI Card.
BPCL SBI Card: short answer
The BPCL SBI Card is in the entry tier of SBI Card credit cards, with a joining fee of ₹499, an annual fee of ₹499 plus GST (waived on ₹1,00,000 of eligible annual spend), a base earn of 1 Reward Point per ₹100 on eligible other retail purchases and a 3.5% forex markup. Rewards are not earned on wallet load, non BPCL fuel. It suits fuel, budget commuter spending; whether it beats a card you already hold depends on your own spend mix and redemption choices.
Source: CardMasters issuer-evidence catalogue, release 2026-08-08. Confirm final terms with the issuer.
Reward structure
1 Reward Point per ₹100 on eligible other retail purchases
- 13 Reward Points per ₹100 at eligible BPCL fuel outlets on BPCL fuel (1,300 points monthly cap) — BPCL fuel earn is capped at 1,300 Reward Points per statement cycle. Merchant recognition is required, so CardMasters does not infer this rate from generic fuel spend.
- 5 Reward Points per ₹100 on eligible dining, departmental-store, grocery and movie spend on dining/departmental stores/grocery/movies (5,000 points monthly cap) — The four accelerated categories share a 5,000 Reward Point monthly cap. CardMasters models only dining and grocery because its current profile does not identify departmental-store or movie spend.
Eligibility and important limits
The issuer does not publish a card-specific approval cutoff in the current source. SBI Card does not publish a numeric income or bureau-score cutoff for this product; approval remains subject to its underwriting policy. Approval remains solely at the issuer’s discretion.
Does not earn: wallet load, non BPCL fuel.
Important limit: 1 May 2026: annual-fee reversal threshold increased from ₹50,000 to ₹1,00,000 of annual spend.
Frequently asked questions
What is the annual fee for the BPCL SBI Card?
The published annual fee in our current record is ₹499 plus applicable GST. It can be waived after ₹1,00,000 of eligible annual spend, subject to issuer terms.
How do rewards work on the BPCL SBI Card?
1 Reward Point per ₹100 on eligible other retail purchases. Accelerated routes include 13 Reward Points per ₹100 at eligible BPCL fuel outlets on BPCL fuel (1,300 points monthly cap); 5 Reward Points per ₹100 on eligible dining, departmental-store, grocery and movie spend on dining/departmental stores/grocery/movies (5,000 points monthly cap). Reward value depends on the eligible transaction route and redemption method.
Which transactions do not earn rewards on the BPCL SBI Card?
The current issuer-sourced exclusions recorded by CardMasters include wallet load, non BPCL fuel. Merchant category coding and issuer terms determine final eligibility.
Who should consider the BPCL SBI Card?
It is most relevant for people focused on fuel, budget commuter. Whether it improves your wallet still depends on your actual spending, existing cards, fees and redemption choices.
Is the BPCL SBI Card worth it?
It is worth holding only when the rewards and benefits you will genuinely use exceed ₹499 plus GST each year. The fee is waived at ₹1,00,000 of eligible annual spend, so check whether you reach that without forcing spend. Value the rewards at a realistic redemption rate, not the issuer's best-case example.
What is the eligibility for the BPCL SBI Card?
SBI Card does not publish a numeric income or bureau-score cutoff for this product; approval remains subject to its underwriting policy. Approval, credit limit and final pricing are decided solely by the issuer.
What is the forex markup on the BPCL SBI Card?
The recorded foreign-currency markup is 3.5% before GST. On ₹1,00,000 of international spend that is about ₹3,500 in markup, so compare it against any rewards earned on overseas transactions.
Does the BPCL SBI Card offer airport lounge access?
Domestic lounge access: none. International lounge access: none. Spend conditions and guest charges are set by the issuer and can change.