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BPCL SBI Card
BPCL SBI Card is a no-frills fuel co-brand card whose main edge is a fuel surcharge waiver with no minimum spend threshold, making it a lighter, cheaper sibling to the bank's BPCL SBI Card OCTANE. It suits drivers who refuel at BPCL regularly but don't need lounge access or premium travel perks — the low fee and everyday bonus categories on groceries and dining make it a sensible budget-friendly pick for occasional-to-moderate fuel spenders.
Annual fee
₹499
Joining fee
₹499
Reward type
points
Base reward rate
0.25%
Card network
Visa
Card tier
Entry
Who this card fits
Best suited to applicants who clear the standard eligibility bar whose spend is concentrated in fuel, groceries, dining. Its annual fee waives if you can comfortably clear the spend threshold.
Rewards & benefits
- Rewards rate: 0.25% base rate
Benefits by category
- 🍽️ Dining & food delivery
1.25% reward rate (capped ₹1,250/monthly)
- 🛒 Groceries
1.25% reward rate (capped ₹1,250/monthly)
- ⛽ Fuel
3.25% reward rate (capped ₹325/monthly) · 1% fuel surcharge waived with no minimum transaction amount required, capped at ₹100 per month
Eligibility
- Employment: salaried, self-employed
- Age: 21–65
Fees & charges
- Spend-based waiver: Waived on annual spend of ₹1,00,000
- Rewards redemption fee: ₹99 + applicable taxes per redemption request when reward points are redeemed for statement credit, gift vouchers or physical products, charged once per batch regardless of how many items are redeemed in it.
- Fuel surcharge waiver: 1% fuel surcharge waived with no minimum transaction amount required, capped at ₹100 per month
- Cash advance charges: 2.5% of the withdrawn amount or ₹300 (whichever is higher) at domestic ATMs, and 3% or ₹300 (whichever is higher) internationally; cash advances earn no reward points and carry no interest-free grace period.
Benefits
- 2,000 bonus reward points, worth roughly ₹500, credited on payment of the joining fee
- 1% fuel surcharge waived with no minimum transaction amount required, capped at ₹100 per month
- 13 reward points per ₹100 spent at BPCL fuel stations, working out to roughly 3.25% value back
Pros
- + Fuel surcharge waiver applies with no minimum transaction size
- + Low ₹499 fee, easily waived on ₹1 lakh annual spend
- + 5x-style points on groceries and dining, not just fuel
- + ~3.25% value back on BPCL fuel purchases
Cons
- − Fuel reward points capped at a modest monthly ceiling
- − No lounge access or travel benefits
- − Outclassed by BPCL SBI Card OCTANE for heavy fuel spenders
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