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Card Details

4510 5326 4908 4549

BPCL SBI Card

SBIVISA, MASTERCARD

Monzy Score

6.5/ 10

Good for high fuel spenders.

~3.2% back on top spends; thin rewards outside its core category; high 3.5% forex markup.

Card Issuer

SBI Card

Joining Fee

₹499

Annual Fee

₹499

Reward Type

Reward Points

Card Access

Standard

Offers from SBI Card

See all

Earn Points

13 RP/₹100

on fuel spends at BPCL petrol pumps (max 1,300 RP/month)

5 RP/₹100

on groceries, departmental stores, dining & movies (max 5,000 RP/month)

1 RP/₹100

on other retail purchases

Benefits

Fuel

4.25% value-back on BPCL fuel

  • Fuel rewards stack with surcharge waiver
  • Earn 13 Reward Points per ₹100 on BPCL fuel purchases
  • 1 Reward Point = ₹0.25, giving 3.25% value-back
  • 1% fuel surcharge waived on BPCL transactions up to ₹4,000 (max ₹100 per month)
  • Accelerated fuel rewards capped at 1,300 Reward Points per month
Shopping

5X points on groceries, dining & movies

  • Extra points on everyday spends
  • 5 Reward Points per ₹100 on groceries, departmental stores, dining and movies
  • Cap of 5,000 Reward Points per month on these accelerated categories
  • Earnings beyond the monthly cap drop to the base rate

Reward Calculator

NOTE: Enter your monthly spends to see
projected returns.

Min: ₹5,000Max: ₹2,00,000

Estimated Returns

Fuel at BPCL outlets

13X reward points (~3.25% value) on BPCL fuel; applies to spends up to Rs 4000/transaction. Plus 1% fuel surcharge waiver.

₹975

Groceries, departmental stores, dining, movies

5 RP/100; accelerated points capped at 5000 RP/month (~Rs 1250 value).

₹0

Other retail spends

1 RP/100 on all other eligible retail spends.

₹0

Total Annual Return

₹11,700

3.25% Effective ROI

What Users Are Saying

Community Feed

Jul 2025

BPCL SBINEUTRAL

“SBI Octane vs BPCL SBI Card: Which is Better for Fuel”

by r/CreditCardsIndia, Jul 2025

BPCL SBINEUTRAL

“SBI BPCL cards are they any good ?”

by r/CreditCardsIndia, Apr 2026

BPCL SBINEUTRAL

“SBI BPCL OCTANE SUCKS”

by r/CreditCardsIndia, Jul 2025

BPCL SBINEUTRAL

“SBI BPCL Octane Credit Card”

by r/CreditCardsIndia, Jan 2026

BPCL SBINEUTRAL

“SBI BPCL Octane - Confused about Fuel Surcharge”

by r/CreditCardsIndia, Apr 2026

Frequently Asked Questions

The BPCL SBI Card charges ₹499 plus GST as a joining fee and the same ₹499 again at renewal. SBI Card waives the renewal fee if you spend ₹1L in the previous year, which is about ₹8,333 a month. If your card spend sits below that, treat ₹499 as a real yearly cost that your rewards have to clear first.

Things to Keep in Mind

Accelerated fuel rewards capped at 1,300 Reward Points per month

5X Reward Points capped at 5,000 Reward Points per month

1 Reward Point equals 0.25 paisa.