Research coverage — 15/16 categories
SBI · Visa / RuPay
BPCL SBI Card
Best forFuel & Groceries
Earns13 RP/₹100 on fuel — only at BPCL outlets / petrol pumps
1st Year / Joining Fee
₹499 + taxes
Renewal Fee
₹499 + taxes
charged every year for BPCL SBI Card
Fee waiver
₹1,00,000
annual spend
Network
Visa / RuPay
SBI
BPCL SBI Card
Visa / RuPayWhy this card may suit you
Based on the card's verified terms.
- Best suited to spending on fuel and groceries, where it earns 13 RP/₹100 (only at BPCL outlets / petrol pumps)
- Annual fee is waived at ₹1,00,000 yearly spend
How you earn
Reward rates at a glance — exactly as recorded for this card.
FuelOnly at BPCL outlets / petrol pumps13 RP/₹100
Groceries5 RP/₹100
Dining5 RP/₹100
Education1 RP/₹100
Insurance1 RP/₹100
All 16 reward categories · 15 of 16 categories verified
| Category | Rate | Cap | Condition |
|---|---|---|---|
| Rent | Not eligible | — | Reward points on Rent Payment transactions (MCC 6513) discontinued w.e.fDetails
|
| Education | 1 RP/₹100 | — | 1 Reward Point per ₹100 on education spends (1 RP = ₹0.25)Details
|
| Insurance | 1 RP/₹100 | — | 1 Reward Point per ₹100 on insurance spends (1 RP = ₹0.25)Details
|
| Utilities | 1 RP/₹100 | — | 1 Reward Point per ₹100 on utility bill payments (1 RP = ₹0.25)Details
|
| Fuel | 13 RP/₹100 | 1,300 RP per statement | Only at BPCL outlets / petrol pumpsDetails
|
| Groceries | 5 RP/₹100 | 5,000 RP per month | 5X Reward Points (5 RP/₹100) on Groceries (MCC 5411), subject to shared monthly cap of 5,000 RP across Groceries, Departmental Stores, Movies & DiningDetails
|
| Dining | 5 RP/₹100 | 5,000 RP per month | 5X Reward Points (5 RP/₹100) on Dining (MCC 5812, 5813, 5814), subject to shared monthly cap of 5,000 RP across Groceries, Departmental Stores, Movies & DiningDetails
|
| Food Delivery | 1 RP/₹100 | — | 1 Reward Point per ₹100 on retail food delivery spends (1 RP = ₹0.25)Details
|
| Shopping | 1 RP/₹100 | — | 1 Reward Point per ₹100 on retail shopping (1 RP = ₹0.25)Details
|
| Travel | 1 RP/₹100 | — | 1 Reward Point per ₹100 on retail travel spends (1 RP = ₹0.25)Details
|
| Government | 1 RP/₹100 | — | 1 Reward Point per ₹100 on government spends (1 RP = ₹0.25)Details
|
| Wallet | No reward | — | —Details
|
| Railways | 1 RP/₹100 | — | 1 Reward Point per ₹100 on retail railway ticket purchases (1 RP = ₹0.25)Details
|
| FASTag | Varies | — | Depends on how the transaction is processedDetails
|
| Jewellery | 1 RP/₹100 | — | 1 Reward Point per ₹100 on jewellery spends (1 RP = ₹0.25)Details
|
| Telecom | 1 RP/₹100 | — | 1 Reward Point per ₹100 on telecom spends (1 RP = ₹0.25)Details
|
“—” means not established. “Research pending” is not zero: it means DhanChakshu has not finished verifying that category, so it is not counted.
Cost & caps
What it costs to hold, and where rewards stop.
1st Year / Joining Fee
₹499 + taxes
Renewal Fee
₹499 + taxes
charged every year for BPCL SBI Card
Fee waiver
₹1,00,000
annual spend
Reward caps
- Fuel — 1,300 RP / statement (per category — Fuel)
- Groceries / Dining / Movies / Dept Stores (5X) — 5,000 RP / month (shared cap — Groceries / Dining / Movies / Dept Stores (5X))
Spending thresholds
- Spend ₹1,00,000 per card year → annual fee waived
Key benefits
Rewards
13 RP/₹100 on fuel (only at BPCL outlets / petrol pumps)
Fuel surcharge waiver
fuel surcharge waiver 1% up to ₹100/mo (txns up to ₹4,000)
Foreign-currency markup
3.5% foreign-currency markup — Charged on every foreign-currency transaction (BPCL SBI Card)
Fee waiver
Annual fee waived on ₹1,00,000 annual spend
Important to know
Limits and exclusions that change what you earn.
- Fuel reward (13 RP/₹100) applies only at BPCL outlets / petrol pumps — not to all fuel spends
- Fuel rewards are capped at 1,300 RP / statement (per category — Fuel)
- Groceries / Dining / Movies / Dept Stores (5X) rewards are capped at 5,000 RP / month (shared cap — Groceries / Dining / Movies / Dept Stores (5X))
- No reward on: Wallet
- Not eligible: Rent
- Spend ₹1,00,000 per card year → annual fee waived
Who should consider this card
✓ Good fit if
- Your spending is concentrated in fuel, groceries, dining
- You regularly spend only at BPCL outlets / petrol pumps
- You can reach the ₹1,00,000 annual spend that waives the fee
△ Less useful if
- Much of your spending is in rent, wallet, which earn nothing
- Your spending is not only at BPCL outlets / petrol pumps
- You cannot reach the fee-waiver spend and would pay the annual fee
Full details
Everything else, expanded on demand.
Caps & exclusions · 2 caps · 2 no-reward categories
Caps
- Fuel — 1,300 RP / statement (per category — Fuel)
- Groceries / Dining / Movies / Dept Stores (5X) — 5,000 RP / month (shared cap — Groceries / Dining / Movies / Dept Stores (5X))
Categories with no reward or not eligible
- Rent — Not eligible. Reward points on Rent Payment transactions (MCC 6513) discontinued w.e.f.
- Wallet — No reward.
Milestones · 1 recorded
- Spend ₹1,00,000 per card year → benefit worth ₹499 — Fee waiver spend threshold revised from ₹50,000 to ₹1,00,000 effective 01-May-2026. Annual fee waiver: the renewal fee is waived on annual spends of Rs.1 Lakh or more in the preceding year. Source: SBI Cards - Most Important Terms & Conditions, Section 1.A Annual Fees & Renewal Fees (fee table, pages 1-11).
Eligibility
Subject to SBI's underwriting and eligibility criteria. See the issuer's terms for current requirements.
Specifications
- Payment network: Visa / RuPay
- Airport lounge: Not recorded by DhanChakshu — check the issuer terms
- Fuel surcharge waiver: fuel surcharge waiver 1% up to ₹100/mo (txns up to ₹4,000)
- Foreign-currency markup: 3.5% foreign-currency markup — Charged on every foreign-currency transaction (BPCL SBI Card). The exchange rate is determined by the network (VISA/Mastercard etc.) on the date the transaction is settled with SBI Card.
Other fees and charges
- Renewal fee ₹499 plus applicable taxes, charged every year for BPCL SBI Card
- Over-limit fee: 2.5% of the amount above the credit limit or ₹600, whichever is higher, charged once per billing cycle
- Payment dishonour fee: 2% of the payment amount, subject to a minimum of ₹500
- Cheque payment fee ₹200
- Card replacement fee between ₹100 and ₹250 depending on the card variant
What DhanChakshu couldn't fully verify · 2 areas
2 areas need further verification. None of these are counted as zero.
- • FASTag — depends on how the transaction is processed
- • Lounge benefit — not recorded; check the issuer terms
Sources & verification
Verification & sources · last checked 2026-10-11
Verification coverage: 15 of 16 categories verified · 1 still being verified
Card record last checked: 2026-10-11
Documents used
BPCL SBI Card - Cardholder Agreement & Reward Point Program T&C · SBI-BPCL-TNC-2026 · 2026-10-11
SBI MITC · SBI MITC
SBI Cards - Most Important Terms & Conditions · SBI-MITC-UPLOAD-2026-10 · 2026-10-08