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BPCL SBI Card
Visa, Mastercard 📡 Contactless NFC

BPCL SBI Card

Joining Fee₹499
Annual Fee₹499
Forex Markup 3.5%

⚖️ Card Verdict & Target Persona

Who Should Apply

Drivers and commuters fueling regularly at Bharat Petroleum (BPCL) stations wanting 4.25% total fuel valueback, grocery/dining points, domestic lounge visits, and an easy ₹50k spend waiver.

Who Should Avoid

Motorists fueling at IOCL or HPCL stations.

🎁 Key Features & Highlights

✨

Exclusive Platform Reward

LTFCards Bonus

Claim an Amazon Gift Voucher worth up to ₹500 directly upon successful card approval.

Claim ₹500 & Apply →
🎉

Joining & Activation Welcome Gift

2,000 activation bonus Reward Points (worth ₹500) upon payment of joining fee and realization within 20 days

13X Reward Points on Fuel at BPCL

Earn 13X Reward Points (3.25% return) on fuel purchases at BPCL petrol pumps (on spends up to ₹4,000/billing cycle).

5X Rewards on Dining & Groceries

Earn 5 Reward Points per ₹100 (1.25% return) on movie tickets, dining, and departmental stores (capped at 5,000 points/month).

Spend-Based Annual Fee Waiver

Annual renewal fee of ₹499 is waived off on spending ₹50,000 or more in the previous anniversary year.

💰 Reward Structure & Point Valuation

1 Reward Points = ₹0.25
Standard Base Earning
1 Reward Point per ₹100 spent on all other retail purchases (0.25% return; 1 RP = ₹0.25)
Accelerated / Partner Rate
13X Reward Points (3.25% return; 1 RP = ₹0.25) on fuel purchases at BPCL petrol pumps (capped at 1,300 points/billing cycle); 5X Reward Points per ₹100 (1.25% return) on Dining, Groceries, and Departmental Store spends (capped at 5,000 points/month)
Points Validity:24 Months
Redemption Fee: ₹99 + GST / cycle
Redemption Modes: BPCL Fuel Voucher Redemption (1 RP = ₹0.25), SBI Rewards Catalog (Brand Vouchers & Electronics), Direct Statement Cash Credit
🚫 No Reward Points / Cashback on:
Non-BPCL Fuel Wallet Loads Rent Payments Government Transactions Cash Advances EMI

🛋️ Airport Lounge Access & Spend Criteria

✓ Lounge Access Active
🛫
Domestic Lounge Visits1 complimentary domestic airport lounge visit per calendar quarter (4 visits/year)
🌐
International Lounge VisitsNone
⚠️

Spend Criteria: Requires standard domestic lounge access program rules

⚡ Spend Milestones & Special Perks

Annual Fee Waiver ₹50,000/yr
Annual renewal fee of ₹499 + GST is waived off on spending ₹50,000 or more in the previous anniversary year
UPI Payments Support✗ Not Supported
UPI not supported on Visa/Mastercard network
Fuel Surcharge Waiver1% Surcharge Waived
1% fuel surcharge waiver for transactions between ₹500 and ₹4,000 at BPCL pumps (Capped at ₹100/mo)

📋 Eligibility Criteria

✓ Official Criteria
Age Limit21 - 70 Years
Min. Monthly Income₹25,000
Min. Credit Score720 CRIF
Employment TypeSalaried / Self-Employed

📊 Interest Rates & Charges

Finance Charges (Interest Rate / APR):3.50% per month (42.0% per annum)
Late Payment Penalties:Late payment charges slab-based up to ₹1,300
Official Bank Portal Application

Get the BPCL SBI Card

Annual Fee: ₹499/yr (Waivable)

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Personalized Card Matcher

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Frequently Asked Questions

No, BPCL SBI Card has a joining fee of ₹499 and an annual renewal fee of ₹499 (plus applicable taxes).
BPCL SBI Card ₹499/yr
Apply & Earn ₹500 →