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SBI Card · Visa · हिन्दी

BPCL SBI Credit Card: full review

If you fill up at BPCL stations, this card is a no-brainer. The 4.25% effective return on fuel is one of the highest in the market for fuel spend.

Apply now ↗Annual fee: ₹499 + taxes
Last updated: August 2026 · Current terms verified
SBI CARD
VISA
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BPCL
ASHOK KUMAR
12/28
₹499 + taxes (waived on ₹50,000 annual spend)Annual fee
4.25% value back on BPCL fuel; 13X points on BPCL; 5X on groceries and moviesReward structure
NoLounge access
4.25% value back on BPCL fuel13X reward points at BPCL pumps1% fuel surcharge waiver on all fuel5X points on groceries and moviesFee waived on ₹50K annual spend
Apply now ↗ Min. income: ₹3L+ per year · Credit score: 700+
Pros and cons
Pros
✓ Best card for BPCL fuel station users
✓ Fuel surcharge waiver on all brands
✓ Low annual fee easily waived
✓ Strong grocery rewards as bonus
Cons
✗ BPCL-specific, lower value at other fuel stations
✗ No lounge access
✗ Points based not cashback
Quick facts
Issuer SBI Card
Network Visa
Annual feeThe yearly fee a bank charges for holding the card, often waived if you spend enough in a year.Full definition → ₹499 + taxes (waived on ₹50,000 annual spend)
Joining feeA one-time fee charged when you first get the card, separate from the recurring annual fee.Full definition → ₹499
Lounge accessFree entry to airport lounges, usually limited to a set number of visits per quarter or year.Full definition → No
Forex markupThe extra fee your bank adds on top of the real exchange rate for any spend in a foreign currency.Full definition → 3.5%
Min. incomeThe minimum income, credit score, and other conditions a bank requires before approving your application.Full definition → ₹3L+ per year
Min. credit scoreYour 3-digit credit score (300-900), higher scores make approval easier and can unlock better cards.Full definition → 700+
SourceSBI Card's published card terms and official card page · Last updated August 2026
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Frequently asked questions
The annual fee for BPCL SBI Credit Card is ₹499 + taxes (waived on ₹50,000 annual spend). The joining fee is ₹499.
4.25% value back on BPCL fuel; 13X points on BPCL; 5X on groceries and movies
BPCL SBI Credit Card is best for BPCL fuel station regulars. If you fill up at BPCL stations, this card is a no-brainer. The 4.25% effective return on fuel is one of the highest in the market for fuel spend.
The minimum income requirement for BPCL SBI Credit Card is ₹3L+ per year. A minimum credit score of 700+ is also recommended.
Yes, BPCL SBI Credit Card offers No.
BPCL SBI Credit Card charges a 3.5% foreign currency markup on international transactions. This is in line with the standard 3.5% charged by most Indian credit cards.
Related guides
Best Fuel Credit Cards →Best Cashback Credit Cards →
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BPCL SBI₹499 + taxes
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