Overview
Rewards
Fees
Score
Verdict
The BPCL SBI Card is the base variant of SBI's BPCL co-branded fuel card. At just ₹499 per year, it earns 13 reward points per ₹100 on BPCL fuel (3.25% as points + 1% surcharge waiver = 4.25% effective value-back) and 5 points per ₹100 on grocery, dining, movies, and departmental stores. All points can be instantly redeemed at BPCL fuel stations with no minimum threshold. The fee waiver on ₹1 lakh spend and a 2,000 bonus point welcome benefit worth ₹500 make this one of the easiest entry-level cards to justify. There is no lounge access and no insurance benefit. The card does exactly what it says: save money at the BPCL pump without complicating things.
Well-regarded on r/CreditCardsIndia as a no-nonsense entry-level fuel card. Frequently recommended for two-wheeler owners and budget users who refuel at BPCL regularly. Users appreciate the low fee and easy waiver, though many note the card loses most of its value if you switch to a non-BPCL pump.