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SBI BPCL Credit Card
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SBI BPCL Credit Card

★ 4.0 / 5 ⓘ How we rate

4.25% back on BPCL fuel for just ₹499

✅ Verified Oct 2026 from SBI Card's official terms →

Joining: ₹499Annual: ₹499🎁 Up to 4.25% on BPCL fuel
Apply Now — it's free → 🔒 You'll apply on SBI Card's secure page · takes ~5 minutes

✍️ Checked by Deepak Kumar, CardSwipe · updated Oct 2026

Why people love it

⛽
4.25% backat BPCL pumps
🛒
5X pointsdining, grocery, movies
🎁
2,000 pointswelcome gift (₹500)
👤
Perfect for

Daily commuters who fill up at BPCL

Key benefits

  • 13X reward points (3.25%) + 1% surcharge waiver = 4.25% back at BPCL (up to ₹4,000 per transaction)
  • 5X reward points on dining, department stores, groceries and movies
  • 2,000 welcome reward points worth ₹500
  • RuPay variant works on UPI
Like these benefits?Apply online in about 5 minutes.
Apply Now →

What's great

  • Cheap fuel card
  • Welcome points cover the fee
  • Easy fee waiver

Good to know

  • Fuel points capped at 1,300 per bill
  • Only at BPCL pumps
  • No lounge access

Quick facts

Fee waiverAnnual fee reversed on ₹1 lakh yearly spend
Lounge accessNone
Min. income₹20,000/month
Age21 – 60 years
Credit score720+
NetworkVisa / RuPay
Forex markup3.5%
Joining fee₹499 + GST

How to apply

1Pick a cardCompare benefits & fees in simple words
2Apply onlineOn the bank's secure page — about 5 minutes
3Get your cardInstant digital card on many, plastic by post

Keep these ready

  • 🪪 PAN card
  • 🆔 Aadhaar (for e-KYC / video KYC)
  • 📄 Income proof — salary slip or ITR (not needed for FD-backed cards)
Fees & charges (fine print)
Interest on unpaid bill3.75%/month (45% p.a.)
Foreign currency markup3.5%
Cash withdrawal fee2.5% (min ₹500)
Late payment fee₹0 – ₹1,300 by bill amount
  • 5X points capped at 5,000/month
  • 18% GST applies on all fees

💡 Pay your full bill before the due date and you pay zero interest.

Read official bank terms (MITC) ↗

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❓ SBI BPCL — common questions

Is the SBI BPCL Credit Card lifetime free?

No. It has a joining fee of ₹499 and an annual fee of ₹499 (plus 18% GST). Annual fee reversed on ₹1 lakh yearly spend.

What rewards does the SBI BPCL Credit Card give?

Up to 4.25% on BPCL fuel. 13X reward points (3.25%) + 1% surcharge waiver = 4.25% back at BPCL (up to ₹4,000 per transaction).

Who is eligible for the SBI BPCL Credit Card?

Minimum income: ₹20,000/month. Age: 21 – 60 years. Credit score: 720+. Final approval is decided by the bank.

Does the SBI BPCL Credit Card give airport lounge access?

No, this card does not include airport lounge access.

What is the forex markup on the SBI BPCL Credit Card?

3.5% on foreign currency spends (plus GST).

Who should get the SBI BPCL Credit Card?

Daily commuters who fill up at BPCL.

Explore📲 UPI Credit Cards⛽ Fuel Cards🌱 First Credit Card🔵 SBI Cards

Approval is at the bank's discretion. Check final terms on the bank's page before applying.

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