Is the SBI BPCL Credit Card Worth It?
Enter what you spend where this card pays more, and the benefits you would use. See what it is worth to you in rupees, after its fee.
- 207Cards to check
- FreeCost
- Fuel card
- ₹589 fee a year (with GST)
- Fee waived from ₹8,333 a month
- 0.25% base, up to 1.25% on dining; 3.25% only at partner merchants
- Pays in reward points
- fuel only at Bharat Petroleum: 3.25% back, up to ₹325 a month
- dining: 1.25% back, up to ₹1,250 a month
- spending ₹8,333 or more a month: the ₹589 fee is waived
- you spend less than ₹8,333 a month (₹1,00,000 a year, rent and wallet loads not counted): the ₹589 fee is then charged
- most of your spending is fuel, rent or wallet top-ups: those earn nothing on this card
- you pay mostly by UPI: a Visa or Mastercard card cannot pay by UPI
- you spend a lot on government payments: the card's terms do not state a rate there, so we count nothing
- you rarely spend on Bharat Petroleum: the 3.25% rate applies only there, everything else earns 0.25%
- you often pay in foreign currency: 3.5% is added to every foreign spend
Your spend a month, by kind
Terms on the normal rate: 1 Reward Point per ₹100 on other retail spends (~0.25%). 4 Reward Points = ₹1. Excludes mobile wallet loads, rent, EMI, cash advances and non-BPCL fuel.
Total on the card: ₹0 a month
Abroad and benefits
Every rate on this card, and what your spend earns
| Spend category | Rate | Monthly cap | Where it applies | Your spend earns |
|---|---|---|---|---|
| UPI payments (scan and pay) | Earns nothing | - | a Visa or Mastercard card cannot pay by UPI | - |
| Online shopping | 0.25% | No cap | The card's normal rate | - |
| Dining and food delivery | 1.25% | ₹1,250 | All merchants in the categoryTerms: 5 Reward Points per ₹100 (~1.25%) on dining, departmental stores, grocery and movies, capped at 5,000 points a month CUMULATIVELY across all four, then 1 point per ₹100. We apply the cap per row, so a spender who maxes both dining and grocery is credited a little high. | - |
| Groceries | 1.25% | ₹1,250, shared with other bonus rates | All merchants in the categoryTerms: 5 Reward Points per ₹100 (~1.25%) on grocery and departmental stores, dining and movies, sharing the 5,000-point monthly cap with the dining row. Metro Cash & Carry, Reliance Market and Walmart are named by SBI as ineligible for the accelerated rate. | - |
| Travel: flights, hotels, trains | 0.25% | No cap | The card's normal rate | - |
| Fuel | Earns nothing | - | earns nothing on this card (base rate terms) | - |
| Fuel, only at listed merchants | 3.25% | ₹325 | Only at: Bharat Petroleum (BPCL)Terms: 4.25% value back at BPCL pumps, 13X Reward Points (3.25%) plus 1% fuel surcharge waiver, on transactions up to ₹4,000. Points capped at 1,300/billing cycle. | - |
| Bills and recharges | 0.25% | No cap | The card's normal rate | - |
| Rent | Earns nothing | - | earns nothing on this card | - |
| Insurance premiums | 0.25% | No cap | The card's normal rate | - |
| School and college fees | 0.25% | No cap | The card's normal rate | - |
| Wallet top-ups | Earns nothing | - | earns nothing on this card | - |
| Taxes and government payments | Not stated | - | the card's terms state no rate here; many cards pay nothing on these | - |
| Spend abroad or in a foreign currency | 0.25% | No cap | The card's normal rate | - |
| Everything else | 0.25% | No cap | The card's normal rate | - |
Common Questions
When is a credit card worth its annual fee?
When the rewards you actually earn in a year are more than the fee plus 18% GST, or when you spend enough for the bank to waive the fee. This calculator works out both from the card's own published terms.
Why is GST added to the fee?
Card fees carry 18% GST, so a ₹1,000 fee costs ₹1,180. Where the bank already quotes the fee with GST, it is not added twice.
What does 'capped' mean?
Many cards limit the reward you can earn in a month in a category. Spending above the cap earns nothing extra, so the calculator stops counting there.
Is a lifetime free card always better?
Not always. A paid card with higher rewards can leave you with more once you spend enough. The break-even line shows the monthly spend where that starts.
Guides in Plain Words
Short reads that explain how it works before you decide.
- GuidesBest Credit Cards Under ₹500 a Year in India (2026)Credit cards with an annual fee of ₹500 or less (before GST) in 2026, ranked by the reward rate each bank states, with fee waivers.Read the guide →
GuidesNo-Cost EMI: What It Really Costs You, With a Worked ExampleNo-cost EMI is not a trick, but it is rarely free. Here is where the money goes: the discount you give up, the processing fee, and GST on the interest, worked out on a Rs 30,000 phone.Read the guide →- GuidesBest Online Shopping Credit Cards in India (2026)The credit cards that pay the most back on online shopping in 2026, which sites count, the monthly cap and the annual fee.Read the guide →
