Skip to content
Milled metal and paper — the material a card is made from.

BPCL SBI Card

SBI Card

BPCL SBI Card — card image from the issuer's official page

Annual / renewal fee

₹499 (waived off on annual spends of ₹1 Lakh or more in the preceding year).

VerifiedSBI Card – Most Important Terms & Conditions (MITC, common to all cards)18 Aug 2026, 6:49 AM ISTSBI Card

Earn rate

  • 13X Reward Points (13 RP per ₹100) on BPCL fuel spends - 4.25% value back (max 1,300 RP per statement cycle).
  • 5X Reward Points per ₹100 on Groceries, Departmental stores, Movies & Dining.
  • 1 Reward Point per ₹100 on all other retail spends except fuel (1 RP = ₹0.25).

VerifiedBPCL SBI Card – Terms & Conditions (VISA/RuPay, standalone)18 Aug 2026, 6:49 AM ISTSBI Card

View on official site →

This is the issuer's own page for this card. We earn nothing from this link.

You'll land on the issuer's official application portal at sbicard.com — if a different card is shown first, use its card selector to pick this one.

Source-traced to issuer Verified 2026-08-18
View on official site →

This is the issuer's own page for this card. We earn nothing from this link.

You'll land on the issuer's official application portal at sbicard.com — if a different card is shown first, use its card selector to pick this one.

Overview

BPCL SBI Card by SBI Card. Facts on this page are extracted and verified automatically from official issuer documents.

Fees

Joining fee

₹499 + taxes.

VerifiedBPCL SBI Card — official product page18 Aug 2026, 6:49 AM ISTSBI Card

Annual / renewal fee

₹499 (waived off on annual spends of ₹1 Lakh or more in the preceding year).

VerifiedSBI Card – Most Important Terms & Conditions (MITC, common to all cards)18 Aug 2026, 6:49 AM ISTSBI Card

Fee waiver

Renewal fee of ₹499 waived off on annual spends of ₹1 Lakh or more in the preceding year.

VerifiedSBI Card – Most Important Terms & Conditions (MITC, common to all cards)18 Aug 2026, 6:49 AM ISTSBI Card

Renewal fee

₹499 + applicable taxes (Waived off on annual spends of ₹1 Lakh or more in the preceding year).

VerifiedSBI Card – Most Important Terms & Conditions (MITC, common to all cards)18 Aug 2026, 6:49 AM ISTSBI Card

Rewards

  • 13X Reward Points (13 RP per ₹100) on BPCL fuel spends - 4.25% value back (max 1,300 RP per statement cycle).
  • 5X Reward Points per ₹100 on Groceries, Departmental stores, Movies & Dining.
  • 1 Reward Point per ₹100 on all other retail spends except fuel (1 RP = ₹0.25).

VerifiedBPCL SBI Card – Terms & Conditions (VISA/RuPay, standalone)18 Aug 2026, 6:49 AM IST

Redemption value

  • 4 Reward Points = ₹1 of free fuel.
  • No minimum limit of Reward Points required for Instant Redemption.
  • Points redeemable for free fuel at select 3740+ authorized BPCL retail outlets or via BPCL fuel vouchers, and for products at Shop & Smile.
  • Rewards Redemption Fee ₹99 (on Physical products, Statement Credit & physically-sent Vouchers).
  • Reward Points valid for 24 months (carried over one Enrolment Year; lapse at end of second year).
  • On voluntary closure, points redeemable within 30 days of closure.

VerifiedBPCL SBI Card – Terms & Conditions (VISA/RuPay, standalone)18 Aug 2026, 6:49 AM ISTSBI Card

Reward cap

  • Max. 1300 Reward Points per statement cycle on BPCL fuel spends.
  • Cumulative 5X Reward Points on Groceries, Departmental stores, Movies & Dining capped at 5,000 Reward Points per month (thereafter 1 RP per ₹100).
  • Reward Points earned for a maximum spend of ₹10,000 per month on BPCL fuel.

VerifiedBPCL SBI Card – Terms & Conditions (VISA/RuPay, standalone)18 Aug 2026, 6:49 AM ISTSBI Card

Reward exclusion

fuel spends done using UPI on RuPay platform at BPCL pumps; balance transfers; e-Wallet loading/recharge (MCC 65406541); financial charges (late payment feedishonoured cheque chargesservice feetransaction charges); disputed transactions; cash advances; any purchases at petrol pumps/service stations (MCC 5172554155425983); Flexipay (w.e.f 20 Nov 2020); Merchant EMI (w.e.f 20 Nov 2020); Rent Payment transactions MCC 6513 (w.e.f 15 Apr 2024)

VerifiedBPCL SBI Card – Terms & Conditions (VISA/RuPay, standalone)18 Aug 2026, 6:49 AM ISTSBI Card

Travel & lounge

Lounge access

Confirm on the official page

Official source not yet captured

Dining, golf, concierge, insurance, milestones & welcome

Welcome benefit

  • 2,000 bonus reward points worth ₹500 (credited within 20 days of payment of Joining Fee).
  • Threshold not stated on official source.

VerifiedBPCL SBI Card — official product page18 Aug 2026, 6:49 AM ISTSBI Card

Insurance

  • With the SBI Credit Card you can buy Health Insurance, Personal Accident Insurance, Motor Insurance, Additional health covers, Travel & Home insurance, Life Insurance and other assistance products at affordable rates.
  • SBI Card offers complimentary lost/stolen card insurance/fraud liability cover on certain cards, provided by an insurance company as decided by SBI Card from time to time.

VerifiedBPCL SBI Card – Terms & Conditions (VISA/RuPay, standalone)30 Jul 2026, 8:45 PM ISTSBI Card

Eligibility

Eligibility

  • Add-on cards can be issued for spouse, parents, siblings and children over 18 years of age.
  • (SBI Card issuance policy: salaried applicants aged 21-65 years; self-employed 25-70 years).

VerifiedBPCL SBI Card – Terms & Conditions + MITC Combined Booklet (VISA/RuPay)18 Aug 2026, 6:49 AM ISTSBI Card

Charges & interest

Forex markup

  • Foreign Currency Transaction Fee: 3.5%.
  • Dynamic Currency Conversion Fee: 3.5% (on transactions >= ₹1,000 carried out in Indian currency at an international location or at merchants located in India but registered overseas).
  • Not reversed in case of transaction refunds.

VerifiedSBI Card – Most Important Terms & Conditions (MITC, common to all cards)18 Aug 2026, 6:49 AM ISTSBI Card

Charge

  • Finance Charges: up to 3.75% p.m. (45% p.a.) for unsecured cards.
  • Minimum Finance Charge: ₹25.
  • Cash Advance Fee: 2.5% or ₹500 whichever is higher (domestic and international ATMs).
  • Cash Advance Limit: up to 80% of credit limit, max ₹15,000/day on MCC 6011 (ATM withdrawals).
  • Cash Payment Fee: ₹250 + taxes.
  • Cheque Payment Fee: ₹200.
  • Payment Dishonour Fee: 2% of payment amount subject to min ₹500.
  • Card Replacement Fee: ₹100 - ₹250.
  • Over Limit Fee: 2.5% of overlimit amount or ₹600 whichever is higher (once per billing cycle).
  • Late Payment Charges: Nil up to ₹100.
  • ₹100 (>₹100 & up to ₹500).
  • ₹500 (>₹500 & up to ₹1,000).
  • ₹750 (>₹1,000 & up to ₹10,000).
  • ₹950 (>₹10,000 & up to ₹25,000).
  • ₹1,100 (>₹25,000 & up to ₹50,000).
  • ₹1,300 (>₹50,000).
  • Additional ₹100 on missing MAD two consecutive cycles.
  • Utility Payments Fee: 1% if total utility payments exceed ₹50,000 in a billing cycle (w.e.f 1 Dec 2024).
  • Fee on Education Payments via third-party apps: 1% (w.e.f 1 Nov 2025).
  • Fee on Wallet Load exceeding ₹1,000: 1% (w.e.f 1 Nov 2025).
  • Rent Payment Processing Fee: ₹199.
  • Rewards Redemption Fee: ₹99.
  • Add-on Fee: Nil.

VerifiedSBI Card – Most Important Terms & Conditions (MITC, common to all cards)18 Aug 2026, 6:49 AM ISTSBI Card

Fuel surcharge waiver

  • 1% Fuel Surcharge Waiver applicable only on BPCL fuel transactions up to ₹4,000, for a max of ₹100 per month.
  • No minimum threshold.
  • Not applicable on fuel spends done using UPI on SBI Credit Card (RuPay platform) at BPCL petrol pumps.

VerifiedBPCL SBI Card – Terms & Conditions (VISA/RuPay, standalone)18 Aug 2026, 6:49 AM ISTSBI Card

Interest-free period

  • Interest free credit period could range from 20 to 50 days, subject to submission of claims by the merchant.
  • Applicable only on retail purchases and if previous month's outstanding balance is paid in full.
  • Not applicable if previous month's balance is outstanding or if cash has been availed from any ATM.

VerifiedSBI Card – Most Important Terms & Conditions (MITC, common to all cards)18 Aug 2026, 6:49 AM ISTSBI Card

Transfers

Not published in the official documents on file — see the official T&C link below.

Common questions

What is the annual fee on the BPCL SBI Card?

Officially traced: Rs. 499 (waived off on annual spends of Rs. 1 Lakh or more in the preceding year).

SBI Card – Most Important Terms & Conditions (MITC, common to all cards)

Is the BPCL SBI Card annual fee ever waived?

Renewal fee of Rs. 499 waived off on annual spends of Rs. 1 Lakh or more in the preceding year.

SBI Card – Most Important Terms & Conditions (MITC, common to all cards)

How does the BPCL SBI Card earn rewards?

13X Reward Points (13 RP per Rs. 100) on BPCL fuel spends - 4.25% value back (max 1,300 RP per statement cycle).

BPCL SBI Card – Terms & Conditions (VISA/RuPay, standalone)

What are the transfer ratios for BPCL SBI Card points?

Transfer ratios are not shown here as a confident value. Confirm the current ratio in your issuer account before transferring.

Other verified details

Not published in the official documents on file — see the official T&C link below.

Official documents & verification

Official issuer pageSBI Card – Most Important Terms & Conditions (MITC, common to all cards)BPCL SBI Card – Terms & Conditions + MITC Combined Booklet (VISA/RuPay)BPCL SBI Card – Terms & Conditions (VISA/RuPay, standalone)

Official terms

https://www.sbicard.com/en/personal/credit-cards/bpcl-sbi-card.html.

VerifiedBPCL SBI Card product page18 Aug 2026, 6:49 AM ISTSBI Card

Verified 2026-08-18 · facts from the official issuer page. Issuers may change fees, earn rates, lounge counts and waivers without notice — always confirm before applying.

( Continue exploring )

More from this issuer