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BPCL SBI Card
Visa
BPCL SBI Card
A no-frills BPCL co-brand card whose main edge is a fuel surcharge waiver with no minimum spend threshold — a lighter, cheaper sibling to the bank's own BPCL SBI Card OCTANE for drivers who don't need lounge access.
Rates and fees last verified 15 July 2026 · No bank pays us to rank higher.
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.
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 waiver with no minimum transaction amount, capped at ₹100/month
Eligibility
- Employment: salaried, self-employed
- Age: 21–65
Benefits
- 2,000 bonus reward points (worth ~₹500) on payment of the joining fee
- 1% fuel surcharge waiver with no minimum transaction amount, capped at ₹100/month
- 13 reward points per ₹100 spent at BPCL fuel stations (~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 points on groceries and dining, not just fuel
Cons
- − Fuel reward points capped at just 1,300/cycle
- − No lounge access or travel benefits
- − Outclassed by BPCL SBI Card OCTANE for heavy fuel spenders