SBI BPCL Credit Card

Overview

Updated On: August 24, 2026 | AB Published by: Amit B | 2 min read

SBI BPCL Credit Card is an entry level co-branded credit card between Bharat Petroleum (BPCL) and SBI. This is a toned-down version of SBI BPCL Octane Credit Card which comes with lower joining/renewal fee and lower reward rate as compared to SBI BPCL Octane Credit Card. As the name suggests, its a fuel credit card which is specifically made to benefit BPCL customers. This credit card gives decent valueback on spend on fuel and Bharat Gas and is ideally suitable for people who spend more than Rs.2,000 on BPCL fuel and Bharat Gas in a month.

Pros

Descent reward rate on fuel
Reward points directly redeemable to pay for fuel which makes it equivalent to cash.
Unlike most of the other credit cards, there is no minimum transaction requirement for 1% fuel surcharge waiver.

Cons

No renewal benefit against renewal fee. So, card may not be useful for someone who is having less than Rs.1,500 spend per month on fuel.
No accelerated reward points on Bharat Gas.

Fees & Charges

Joining / Annual Fee ₹ 589

Renewal Fee ₹ 589

Annual Spend Target for Fee Waiver ₹ 50,000

Minimum Annual Income Required ₹ 300,000

Rewards and Benefits

Reward Rate

Base Reward Rate: 0.25% ; Accelerated Reward Rate: 3.25%

Base Reward Rate

0.25%

Accelerated Reward Rate

3.25%

Welcome Benefits

2000 bonus reward points equivalent to Rs.500 on payment of annual fee

Renewal Benefits

No Renewal Benefits

Rewards & Cashback Details

Fuel: 13x Reward Points on spend on fuel at BPCL fuel station, maximum 1,300 reward points per month. It mean, you earn reward points on spend upto Rs.10,000 per month. This is a 3.25% valueback.
Fuel Surcharge Waiver: In addition, you get 1% fuel surcharge waiver on all fuel transactions upto Rs.4,000. Maximum fuel surcharge waiver is Rs.100 per monthly billing cycle.
Accelarated Rewards: 5 Reward Points on every Rs 100 spent at dining, departmental stores, grocery & movies. A maximum of 2,500 Reward Points per month. That is upto Rs 50,000 spend per month can be availed in a month. This is 1.25% valueback.
Base Rewards: 1 Reward Points on Rs.100 spend on other spend categories ( = 0.25% valueback).

Rewards Redemption

Reward Points can be redeemed in following manners

Best Value: Make full or partial payment of fuel at BPCL outlet using Reward Points (1 Point = Rs.0.25). Simply, swipe your credit card at POS machine. It will show Reward Points redemption option. Before, swiping, just tell the BPCL guy that you would want to redeem reward points for fuel payment.
Reward Catalogue: Redeem reward points to get products and brand-vouchers from SBI Reward Catalogue. However, the value of points will be very low in this option. So, this option to redeem points, is not recommended. To access SBI Rewards Portal, Click here.

Additional Benefits

Domestic Airport Lounge

International Airport Lounge

Railway Lounge Access

Movie Benefits

Dining Benefits

Golf Benefits

Lifestyle Benefits Details

There are no lifestyle benefits.

Features & Benefits

Reward Points

Airport Lounge

Utility Bills

Insurance

NPS

Education

Government Payment

Fuel

Gift Cards

Jewellery

Rewards on EMI

Cashback

Airmiles

Rent

Wallet Load

No Cashback / Rewards Categories

No reward points on following.

Rent payment
e-Wallet loading
Fuel spend except BPCL outlets.

Ratings & Reviews

3.6

Overall Rating

Reward Rate

4/5

Lifestyle Benefits

3/5

Ease of Reward Redemption

4/5

Value For Money

4/5

Customer Service

3/5

Detailed Review

SBI BPCL Credit Card is a fuel focused credit card for BPCL customers. It is useful if your average fuel spend is more than Rs.2,500 per month and you usually get the fuel for your vehicles from BPCL outlets (Bharat Petroleum). As this credit card does not offer any renewal benefit, you need to spend Rs.18,154 in a year on BPCL to recover the Renewal Fee. Therefore, to get a meaningful benefit, there must be more than Rs.2,000 per month spend on fuel, BPCL LPG gas and BPCL lubricants.Overall, this card is useful for regular fuel spending on BPCL outlets.

Eligibility & Important Info

Eligibility Criteria

Age: 18 years or above
Income: Rs.25,000 monthly in-hand salary or an ITR of 3,00,000. This is basis user experience, not an official eligibility criteria declared by SBI Cards.
For resident Indian only

Important Links

List of BPCL Outlets wherein you can redeem your reward points against payment for fuel: Click here
List of BPCL Outlets wherein you can redeem e-voucher received as Joining Benefit: Click here
SBI Rewards Portal: Click here