Question 1

What is the annual fee on the BPCL SBI Card and how do you get it waived?

Accepted Answer

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.

Question 2

What is the reward rate on the BPCL SBI Card?

Accepted Answer

You earn 13 points per ₹100 on fuel purchases at BPCL petrol pumps. Everything else earns 1 point per ₹100. Each point is worth about ₹0.25 when you redeem it well, so ₹10,000 of top category spend gives you 1300 points, roughly ₹325, which is about 3.2% back. The accelerated rate stops after ₹325 of spend in a month. Mobile wallet upload, Non BPCL fuel spends earn nothing at all.

Question 3

Which spends do not earn rewards on the BPCL SBI Card?

Accepted Answer

Mobile wallet upload, Non BPCL fuel spends earn nothing on this card. 1% Fuel Surcharge Waiver is applicable only on transactions up to ₹4,000. Between them these cover a large part of a normal month, so work out your reward rate on eligible spend only, not on your total bill.

Question 4

What changed on the BPCL SBI Card recently and is it still worth it in 2026?

Accepted Answer

Annual-fee-waiver threshold doubled ₹50k→₹1L; SBI portfolio changes. The changes are dated 2026. At ₹1L of yearly spend the card returns roughly ₹250 at its general rate of about 0.25%, against a ₹499 renewal fee. That does not clear the fee on its own, so this card only makes sense if the lounge visits or the co-brand benefits are worth the gap to you.

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