State Bank of India

SBI BPCL Credit Card

Data last verified: 11 October 2026

FuelVISA

Joining fee₹499 + GST
Annual fee₹499 + GST
Reward rate0.25% base, up to 1.25% on dining; 3.25% only at partner merchants

Takes you straight to the application. We earn a commission if you are approved, and you pay nothing extra.

Joining fee₹499 + GST
Annual fee₹499 + GST
Fee waiverOn ₹1 lakh spend a year
Forex markup3.5%
Fuel surcharge waiver1%
Fuel waiver cap₹100 a month

The BPCL SBI Card earns 13 reward points per Rs 100 on fuel at BPCL pumps, worth about 3.25% back, and 5X on dining and groceries, about 1.25%. Other spends earn 1 point per Rs 100, roughly 0.25%. The fuel and category bonuses have monthly caps.

It costs ₹499 a year plus GST and the fee is waived once you spend ₹1 lakh in the year. That is easy for most households, so the card usually costs nothing after the first year.

It suits two-wheeler and car owners who fill up at BPCL and want a cheap first card. The catch is that it does little outside fuel, and there is no lounge access. Heavy drivers may get more from the Octane variant.

Best for: Daily commuters who fuel at BPCL, First-time card users, People wanting a low-fee fuel card.

01SBI BPCL Credit Card Rewards and Benefits

Rewards rate: 0.25% base, up to 1.25% on dining; 3.25% only at partner merchants
Fee waived on: ₹1 lakh spend a year
Reward redemption: Not published
Dining: 1.25% back
Travel: 0.25% back (the normal rate)
Golf: Not included
Domestic lounge: Not included
International lounge: Not included
Insurance benefits: Not included

02SBI BPCL Credit Card Annual Fee and Charges

Joining fee: ₹499 + GST
Annual fee: ₹499 + GST
Spend-based waiver: Annual fee waived on ₹1 lakh spend in a year (rent and wallet loads not counted)
Rewards redemption fee: Nil
Forex markup: 3.5%
Interest rate: Not published
Fuel surcharge waiver: Yes, up to ₹100 a month
Card replacement: Not published

03What It's Worth, in Rupees

If you spend ₹20,000 a month on this card:

₹5,000 on dining and food delivery, earning 1.25%₹63
₹15,000 on everything else, earning 0.25%₹38
Back each month, ₹1,212 a year₹101
Annual fee with 18% GST (waived at this spend)₹0
In your pocket each year₹1,212

Worked out from this card's reward rates, caps and fee in our data; a rate limited to named merchants is not counted here. Your own spending will differ: see what this card is worth at your spend.

Good for

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

Skip it if…

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

04Product Details

₹499 joining and annual fee, waived at ₹1 lakh yearly spend
13 reward points per ₹100 on BPCL fuel, about 3.25% back
5X on dining and groceries, about 1.25% back
1 reward point per ₹100 on other spends
Fuel surcharge waiver
UPI enabled

05Pros and Cons

Pros

Low fee with an easy waiver
Good return on BPCL fuel
Works on UPI

Cons

Only about 0.25% on regular spends
Monthly caps on fuel points
No lounge access
3.5% forex fee

06How SBI BPCL Credit Card earns Rewards

0.25% base, up to 1.25% on dining; 3.25% only at partner merchants.

Earns nothing onWallet loadsRentCash withdrawalsEMIFuel

Spend category	Rate	Monthly cap	Where it applies
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

Listed underFuel cards Rewards cards Dining cards Grocery cards

CardAdvisor tagsFuelDiningGroceryReward points

Terms on the base 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.

Point value. 1 point is worth about ₹0.25 at the bank's stated value.

07SBI BPCL Credit Card Travel Benefits

Spending abroad carries a 3.5% forex markup; rewards on it: 0.25% back (the normal rate). See what it costs on your trip

Also on the card. fuel surcharge waiver.

Fuel surcharge waiver: 1% fuel surcharge waiver on every BPCL transaction up to ₹4,000; maximum ₹100 per statement cycle (~₹1,200 a year).

08SBI BPCL Credit Card Eligibility and Documents

Employment: Salaried or self-employed

Documents. PAN card Aadhaar / address proof Income proof (salary slips or ITR) Recent passport-size photograph

09Recent Changes

What State Bank of India changed on this card recently. The facts on this page already reflect them.

Date	Change	Before	Now
1 May 2026	Reduced: Fee-waiver spend threshold doubledSource: State Bank of India	₹50,000 annual spend	₹1,00,000 annual spend
15 Apr 2024	Reduced: Reward points on rent payments withdrawnSource: State Bank of India	Reward points earned on rent payments	No reward points on rent payments
22 Dec 2017	Changed: BPCL SBI Card launched	-	-

See this card's change history → · All card changes in May 2026 →

10Cards Similar to SBI BPCL Credit Card

SBI BPCL Credit Card is a fuel card. The two below are the closest on SkyloFin; open any of them, or put them side by side.

Feature	SBI BPCL Credit Card	SBI BPCL Octane Credit Card	HPCL ENERGIE BOBCARD Credit Card
Joining fee	₹499 + GST	₹1,499 + GST	₹499 + GST
Annual fee	₹499 + GST	₹1,499 + GST	₹499 + GST
Rewards	0.25% base, up to 1.25% on dining; 3.25% only at partner merchants	0.25% base, up to 2.5% on dining; 6.25% only at partner merchants	0.33% base, up to 1.67% on utility bills; 4% only at partner merchants
Domestic lounge	Not included	4 visits a year	4 visits a year
Forex markup	3.5%	3.5%	3.5%
Type	Fuel	Fuel	Fuel

Compare with SBI BPCL Octane Credit Card Compare with HPCL ENERGIE BOBCARD Credit Card

11Explore More

All State Bank of India productsEvery card, loan and account from State Bank of India on SkyloFin Fuel credit cardsEvery fuel card, compared All credit cardsFilter by issuer, category and fee Rewards calculatorWhat this card would earn on your spending Interest calculatorWhat carrying a balance really costs Track this card in SkyloFin - Expense TrackerStatements and due dates from your bank SMS, on your phone

Card facts last verified 11 October 2026.

Card data sourced via CardAdvisor.in, India Credit Card Facts, CC BY 4.0, adapted by SkyloFin.

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Common Questions

Is the ₹499 fee waived?

Yes, once you spend ₹1 lakh in a year. Below that the fee plus GST is charged.

How much do I earn on fuel?

13 reward points per ₹100 at BPCL pumps, worth about 3.25% back, up to a monthly cap.

Is it better than the Octane card?

Octane earns more on fuel and adds lounges but costs ₹1,499. This card suits lower fuel spends.

Can I use it on UPI?

Yes, the card can be linked to UPI.

What is the joining fee for the SBI BPCL Credit Card?

The joining fee is ₹499 + GST. Check the bank's page before you apply, because fees change and promotional waivers come and go.

What is the annual fee for the SBI BPCL Credit Card?

The annual fee is ₹499 + GST.

Does applying through SkyloFin cost more?

No. You pay the same fees you would pay applying directly with State Bank of India. We earn a commission from the bank when someone applies through our link, and that is how the site is funded.

SkyloFin is not a bank and does not approve applications. Fees, rewards and eligibility rules are set by the provider and can change without notice. Always read the terms on the provider's site before you apply.

SBI BPCL Credit CardJoining fee: ₹499 + GST

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