BPCL SBI Card
SBI Card · Visa · Entry card
The accessible entry point for moderate BPCL fuel spenders who don’t need OCTANE’s lounge access.
Moderate BPCL fuel spenders wanting a low-fee card.
Terms checked 13 Sept 2026
- Annual fee
- ₹499 + GST
- Joining fee
- ₹499 + GST
- Base reward rate
- 0.3%
- Forex markup
- 3.5%
Reward rates by spending category
Published catalogue rates before caps and merchant-category exclusions.
| Category | Recorded rate |
|---|---|
| Dining & delivery | 1.3% |
| Groceries & essentials | 1.3% |
| Entertainment & movies | 1.3% |
| Offline store shopping | 1.3% |
| Fuel & commute | 0.3% |
| Online shopping | 0.3% |
| Bills & utilities | 0.3% |
| Travel & hotels | 0.3% |
| Subscriptions & streaming | 0.3% |
| Beauty & wellness | 0.3% |
| International spending | 0.3% |
| House rent | 0.3% |
| Insurance premiums | 0.3% |
| Education & family | 0.3% |
| Healthcare & pharmacy | 0.3% |
| Other miscellaneous | 0.3% |
| Gold & jewellery | 0.3% |
Caps and fee waiver
- Reward caps
- No general cap recorded
- Annual fee waiver
- At ₹1,00,000 annual spending
- Monthly income requirement
- Not listed
Airport lounge access
No complimentary airport lounge access recorded
Benefits & conditions
Expand a category to see recorded benefits, fees and eligibility, with conditions and links to the sources. Categories without recorded details are grouped below; missing information does not mean a benefit is unavailable.
Rewards and cashback · 5 items
BPCL fuel rewards
Usage-based value13 points per ₹100 at eligible BPCL outlets.
Conditions: 13 points per ₹100 at eligible BPCL outlets.
Selected-category rewards
Usage-based value5 points per ₹100 on eligible dining, grocery, departmental-store and movie transactions.
Other eligible rewards
Usage-based value1 point per ₹100 on other eligible retail purchases.
13 reward points per ₹100 on eligible BPCL fuel purchases
Shown without a cash value5 points per ₹100 on dining, grocery, departmental-store and movie spend
Shown without a cash value
Fees · 2 items
Annual card fee
Cost ₹499₹499 annual fee before applicable tax.
Joining fee
Cost ₹499₹499 one-time joining fee before applicable tax.
Fee waiver · 2 items
Annual fee waiver
Usage-based · up to ₹499Annual fee may be waived after ₹1,00,000 of eligible annual spending.
Conditions: Reach ₹1,00,000 eligible annual spending
₹1 lakh annual spend waives the renewal fee
Shown without a cash value
Welcome benefits · 1 item
2,000 welcome reward points
Recorded value ₹500Welcome points worth ₹500.
Conditions: Pay the applicable joining fee
Fuel benefits · 1 item
1% fuel surcharge waiver on eligible fuel transactions up to ₹4,000, capped at ₹100 per statement cycle
Shown without a cash value
Foreign-currency charges · 1 item
Foreign-currency markup
Usage-based value3.5% foreign-currency markup before applicable tax.
Conditions: Applies to eligible foreign-currency transactions
Eligibility and availability · 1 item
Application eligibility
Shown without a cash valueApplication availability: open. No universal verified numeric income threshold is used as a hard filter. SBI Card does not publish a universal numeric income threshold for this card.
Other categories (11)
These categories have no detailed entries. We distinguish confirmed absences from information that still needs review.
Spend milestones
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source ↗Card tiers
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source ↗Airport lounge access
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source ↗Movies and entertainment
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source ↗Travel privileges
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source ↗Dining
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source ↗Golf
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source ↗Insurance and protection
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source ↗Memberships
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source ↗Concierge
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source ↗Other benefits
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source ↗
What stands out
- ✓ 13 reward points per ₹100 on eligible BPCL fuel purchases
- ✓ 5 points per ₹100 on dining, grocery, departmental-store and movie spend
- ✓ 2,000 welcome points after joining-fee payment
- ✓ ₹1 lakh annual spend waives the renewal fee
What to watch
The fuel rate is roughly 3 points lower than OCTANE. Compare the two if your monthly fuel spend is substantial.
Recorded exclusions
Rent · Wallet load · Cash withdrawal · Emi · Fees charges
How GainFair evaluates this card
The personal card advisor applies your monthly spending to category rates, limits rewards at the applicable caps, adds eligible movie, milestone and lounge value, and subtracts annual fees plus foreign-currency markup and GST. It can recommend keeping your current cards when a new card does not create enough incremental value.
Affiliate disclosure: Affiliate link · GainFair may earn a commission if you complete a qualifying action. You pay nothing extra, and compensation never affects recommendations or rankings. Read the full disclosure.
Compare against
These cards have the closest mix of purpose, reward style, fee model and tier. They are suggestions for comparison, not rankings.
Issuer sources
Open the sources used for this card's product details, rewards, fees and eligibility.
Sources checked 13 Sept 2026 · Latest recorded change effective 1 May 2026