SBI Card
Classic · BPCL
BPCL SBI Credit Card
SBI Card
Maximize fuel savings with 13X rewards at BPCL pumps
Annual Fee
₹499
Joining Fee
₹499
Reward Rate
0.3%
Forex Markup
3.5%
Value Analysis
Annual Net Value
₹4,411
Total Annual Benefits
₹5,000
Total Annual Charges
₹589
ROI
749%
Fee Waiver Available
Annual fee waived on spending ₹50,000 in the preceding year — ₹50,000 annual spend
Card Analytics
Visual breakdown of value, benefits, and limits
Value Breakdown
Benefits Distribution
Transaction Limits
Card Scorecard
Charges Breakdown
Benefits & Perks
Fuel Benefits (2)
13X Reward Points on BPCL Fuel
Earn 13X reward points on fuel purchases at BPCL pumps
- • Valid at all BPCL fuel stations
13X RP at BPCL
Fuel Surcharge Waiver
3.25% fuel surcharge waiver at BPCL pumps on transactions ₹400–₹5,000
- • Valid on transactions ₹400–₹5,000 at BPCL
- • Max ₹500 per statement cycle
3.25% waiver
₹6,000/yr
Reward Points (2)
5X Reward Points on Dining, Movies & Groceries
Earn 5X reward points on dining, movie, and grocery transactions
- • Applicable on dining, movie, and grocery transactions
5X RP
Reward Points on All Other Spends
Earn 1 reward point per ₹100 on all other retail spends
1 RP per ₹100
Reward Program
Program
SBI Reward Points
1 RP per ₹100 (13X at BPCL, 5X on dining/movies/grocery)
Effective cashback: 0.25%
Points expire: 2 years from date of accrual
Redemption Options
- → BPCL Fuel (1 RP = ₹0.25)
- → Products & Vouchers
- → Flights & Hotels
- → Cashback (1 RP = ₹0.20)
Bonus Categories
BPCL Fuel
13x multiplier
13X reward points at BPCL fuel stations
Dining
5x multiplier
5X reward points on dining spends
Movies
5x multiplier
5X reward points on movie spends
Groceries
5x multiplier
5X reward points on grocery spends
Milestone Bonuses
1,000 bonus reward points on spending ₹50,000 annually
Spend ₹50,000 annually
1,000 Reward Points
Fees & Charges
| Charge | Amount |
|---|---|
| Joining Fee | ₹499 Excluding 18% GST |
| Annual Fee | ₹499 Excluding 18% GST |
| Add-on Card Fee | Free Free |
Transaction Charges
- Forex Markup
- 3.5%
- Interest Rate (Monthly)
- 3.5%
- Late Payment Fee
- ₹950
- Cash Advance Fee
- 2.5%
ATM Charges
- Own Bank Withdrawal
- ₹250
- Other Bank Withdrawal
- ₹250
- Intl. Withdrawal Fee
- 3.5% + ₹250
Fuel Surcharge Waiver
3.25% waiver on transactions between ₹400 – ₹5,000. Max waiver: ₹500/cycle.
Eligibility
Requirements
- Min. Monthly Income
- ₹20,000
- Min. Annual Income
- ₹2,40,000
- Min. Credit Score
- 700
- Age Range
- 21 – 60 years
- Employment
- Salaried, Self-Employed
Notes
- • Salaried: Minimum monthly income ₹20,000
- • Self-Employed: Minimum ITR of ₹2.4 Lakh p.a.
- • Age 21–60 years
Insurance Coverage
0 0 0
Lost Card Liability
₹1.0 L
Report within 24h
- • Lost card liability cover up to ₹1 Lakh
Airport Lounge Access
Domestic
0 visits/year
N/A
International
0 visits/year
N/A
Transaction Limits
ATM Withdrawal / Day
₹20,000
POS & E-Commerce / Day
₹2,00,000
Contactless / Txn
₹5,000
Features
Contactless payments EMV chip security Add-on cards available EMI conversion facility BPCL fuel rewards
EMI Options
Min. Transaction
₹2,500
Interest / Month
1.5%
Tenure Options
3, 6, 9, 12 months
Processing Fee
1%
Ready to Apply?
The BPCL SBI Credit Card is a co-branded fuel card offering 13X reward points on BPCL fuel purchases, 5X reward points on dining, movies, and grocerie...
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