BPCL SBI Card
SBI Card · Open to apply
A ₹499 BPCL fuel card: 13 points per ₹100 at BPCL pumps (3.25% back, 4.25% with the surcharge waiver, up to 1,300 points a statement), 5 per ₹100 on dining, groceries, departmental stores and movies up to 5,000 points a month, and 1 per ₹100 elsewhere. Points are worth ₹0.25 each, as free fuel at BPCL.
- Annual fee
- ₹499 + GST a year
- Joining fee
- ₹499 + GST
- Fee waiver
- Annual fee waived on ₹1,00,000 spend per card year
- Base rate
- 1 point per ₹100 on other retail spends: 1 SBI Card Reward Points per ₹100 (about 0.25% at cash value)
- Lounges
- None on record
- Forex markup
- 3.5%
- Data
- From bank documents, checked 6 Nov 2026
Main earn rates
- 13 points per ₹100 at BPCL pumps: 13 SBI Card Reward Points per ₹100 (about 3.25% at cash value)
- 5 points per ₹100 on dining, groceries, departmental stores and movies: 5 SBI Card Reward Points per ₹100 (about 1.25% at cash value)
Earns nothing on
- No points at other petrol pumps and service stations (MCCs 5172, 5541, 5542, 5983)
- No points on fuel paid by UPI at BPCL pumps (RuPay variant)
- No points on wallet loads (MCCs 6540, 6541)
- No points on rent (MCC 6513)
- No points on cash advances
- No points on Flexipay and Merchant EMI
Where the sources disagree
- Fuel surcharge waiver cap period: The product page says a maximum waiver of ₹100 per statement cycle per card account; the T&C says ₹100 per month. The 1,300-point fuel cap is per statement cycle in both. We use the statement cycle.
- Date rent points stopped: The notices page lists BPCL SBI Card among cards whose rent points stop from 1 Jul 2023; the booklet says "W.e.f. 15 Apr 2024". We use the earlier, the notice's date; no points on rent are earned in either.
Terms the calculator does not value
- Metro Cash & Carry, Flipkart Wholesale and Walmart do not get the accelerated rate on departmental stores and groceries (Shop & Smile T&C IV(d)); the calculator has no merchant for them, so spend there is not carved out.
- The T&C says "Reward Points can be earned for a maximum spend of ₹10,000/- per month" without saying which spend. It matches the fuel cap (1,300 points is ₹10,000 at 13 per ₹100) and is read that way; if it limits all earning, the card is worth much less.
- Fuel points and the surcharge waiver depend on BPCL's merchant ID list held by SBI Card, updated on a best-effort basis; a pump missing from it earns nothing accelerated.
- Government-related and digital gaming spends: the Shop & Smile T&C excludes them for a list of cards, and SBI Card's 2024 lists do not name this card; no exclusion is entered.
Sources
- BPCL SBI Card product-page data file (fees, rates, caps, welcome, fuel surcharge waiver) (Product page, the bank's own, read 6 Nov 2026)
- BPCL SBI Card Terms and Conditions booklet (PDF created 16 Sep 2026) (Reward terms, the bank's own, read 6 Nov 2026)
- SBI Card Shop & Smile rewards programme T&C (exclusions, redemption; PDF modified 23 Sep 2026) (Reward terms, the bank's own, read 6 Nov 2026)
- SBI Card Most Important Terms and Conditions, annual and renewal fee table (Most important terms (MITC), the bank's own, read 6 Nov 2026)
- SBI Card Important Notices page (1 Jul 2023 rent, 1 Sep 2020 capping and 29 Mar 2026 fee reversal notices) (Bank notice, the bank's own, read 6 Nov 2026)