BPCL SBI Card
SBI Card · Checked 2026-10-09
BPCL SBI Card is a paid card focused on fuel savings and reward points, charging ₹499 annually before GST.
CardIQ editorial view
Our take
BPCL SBI Card is a paid card focused on fuel savings and reward points, charging ₹499 annually before GST.
Who it suits
- People who prioritise fuel savings.
- People who prioritise reward points.
- People whose normal usage can recover the annual fee through relevant benefits.
Key strengths
- 13 points per ₹100 on eligible BPCL fuel purchases.
- An additional eligible 1% BPCL surcharge waiver creates up to 4.25% combined value back.
- Renewal waiver threshold is ₹1 lakh annual spend from 1 May 2026.
Trade-offs to understand
- Fuel rewards capped at 1,300 points per billing cycle; fuel rewards are worth 3.25%.
- An additional eligible 1% BPCL surcharge waiver creates up to 4.25% combined value back.
- The ₹499 annual fee plus GST needs to be justified by benefits you will actually use.
CardIQ verdict
It deserves a place on the shortlist when your normal spending makes 13 points per ₹100 on eligible bpcl fuel purchases valuable enough to clear the fee. Factor in this condition: Fuel rewards capped at 1,300 points per billing cycle; fuel rewards are worth 3.25%.
Compare before deciding
- IDFC FIRST Power+ — A similarly priced alternative for comparing reward points and fuel savings.
- HPCL ENERGIE BOBCARD — A higher-fee option to compare for broader benefits around reward points and fuel savings.
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Benefits, limits and conditions
- Fuel rewards capped at 1,300 points per billing cycle; fuel rewards are worth 3.25%.
- An additional eligible 1% BPCL surcharge waiver creates up to 4.25% combined value back.
- Renewal waiver threshold is ₹1 lakh annual spend from 1 May 2026.