SBI Card
SBI Card BPCL is India's highest-rewarding fuel credit card, offering an exceptional 6.25% value back on BPCL fuel purchases — the best fuel reward rate available from any credit card in India. Co-branded with Bharat Petroleum Corporation Limited (BPCL), India's second-largest oil marketing company, this card is a must-have for commuters and fleet operators who regularly refuel at BPCL petrol pumps. The 6.25% value back at BPCL is delivered through SBICard's accelerated Reward Points programme: 13X Reward Points per ₹100 spent at BPCL petrol pumps, which translates to approximately 6.25% value back when redeemed for fuel vouchers or BPCL products. For someone spending ₹5,000 per month at BPCL, this is ₹312.50 per month or ₹3,750 per year in rewards. On fuel purchases at other oil marketing companies (IOCL, HPCL, shell), the card earns 2.5% value back (8X Reward Points), which remains competitive. For a mixed usage pattern — ₹3,000 at BPCL and ₹2,000 at other fuel stations — the blended return remains well above 4%, exceptional for a card with a ₹499 annual fee. Dining and grocery cashback of 1% (4X Reward Points) and baseline 0.5% on other spends ensure the card delivers value across all spending categories. The 1% additional fuel surcharge waiver at BPCL further enhances savings for BPCL customers. The annual fee of ₹499 is reversed on spending just ₹50,000 per year — approximately ₹4,167 per month — making the card effectively free for most users. The minimum income requirement of ₹1.5 lakhs per annum makes this one of the most accessible fuel cards in India. Source: SBI Card official website, updated May 2026.
| Feature | Details |
|---|---|
| Joining Fee | ₹499 |
| Annual Fee | ₹499 |
| Reward Rate | [object Object]% |
| Cashback Rate | 0% |
| Lounge Access | Yes |
The SBI Card BPCL from SBI Card is a an annual fee of ₹499 credit card aimed at Indian consumers who want a clear rewards-plus-lifestyle proposition without paying for an invite-only metal card.
Who should consider the SBI Card BPCL
Pick the SBI Card BPCL if you are a salaried professional earning ₹8 LPA or more, or a self-employed applicant with a stable ITR history of two years or longer, and you typically spend ₹40,000–₹80,000 a month on retail purchases. The card's reward structure works best when the majority of your monthly swipe volume is concentrated in accelerated categories such as dining, groceries, fuel, or travel booked through the issuer's portal. Frequent flyers who already pay for at least four domestic lounge visits a year will get the most out of the included lounge access, while shoppers who use UPI for most transactions should be aware that most banks still cap reward points on UPI spends at a lower rate.
Who should look elsewhere
If you are an early-career professional with under ₹5 LPA in declared income, prefer a lifetime-free starter card (such as an entry-level RuPay variant) and revisit the SBI Card BPCL after one full financial year of stable income. Travellers who redeem most of their points for international flights will likely find a dedicated travel card with milestone-based foreign-currency benefits more rewarding. Finally, if you regularly carry a balance from month to month, the SBI Card BPCL (and credit cards in general) are an expensive borrowing tool at industry-standard 36–42% annualised interest — a small personal loan is almost always cheaper for sustained debt.
How we picked it for our shortlist
Our editorial team only considers cards whose issuers are RBI-licensed and publish their schedule of charges in the public domain. We score the SBI Card BPCL on five axes — annual fee versus benefits, reward rate, lounge and travel benefits, customer service responsiveness, and digital experience (mobile app, controls, instant card freeze). When the issuer changes pricing, we re-test the card and update this page within seven working days. The full methodology lives in our editorial policy.
Bottom line
The SBI Card BPCL is a sensible mid-tier rewards card for someone who pays their statement in full every month and uses the welcome benefit, lounge access, and accelerated rewards with intention. If your spending profile does not match the card's reward map, a more focused card will always deliver better net value.
| Feature | SBI Card BPCLSBI Card | American Express Membership RewardsAmerican Express | Axis Bank AtlasAxis Bank | HDFC Bank Diners Club BlackHDFC Bank |
|---|---|---|---|---|
| Issuer | SBI Card | American Express | Axis Bank | HDFC Bank |
| Joining Fee | ₹499 | ₹2,500 | ₹2,500 | ₹2,500 |
| Annual Fee | ₹499 | ₹4,500 | ₹5,000 | ₹10,000 |
| Interest Rate | — | — | — | — |
| Reward Rate | [object Object]% | [object Object]% | [object Object]% | [object Object]% |
| Lounge Access | Yes | Yes | Yes | Yes |
| Rating | — | — | — | — |
Have these ready before you start the online application. Most issuers verify digitally through CKYC and video-KYC, so physical copies are rarely needed.
Review the eligibility criteria above and ensure you meet the income and credit score requirements.
Click "Apply Now" and fill in your personal, income, and KYC details online.
The bank reviews your application and approves within 2–5 working days. Card arrives in 3–7 days.
If you spend ₹50,000/month on this card, EMI for ₹60,000 over 12 months ≈ ₹6,027.73/month at 36% p.a.
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