SBI Card BPCL

SBI Card

SBI Card BPCL is India's highest-rewarding fuel credit card, offering an exceptional 6.25% value back on BPCL fuel purchases — the best fuel reward rate available from any credit card in India. Co-branded with Bharat Petroleum Corporation Limited (BPCL), India's second-largest oil marketing company, this card is a must-have for commuters and fleet operators who regularly refuel at BPCL petrol pumps. The 6.25% value back at BPCL is delivered through SBICard's accelerated Reward Points programme: 13X Reward Points per ₹100 spent at BPCL petrol pumps, which translates to approximately 6.25% value back when redeemed for fuel vouchers or BPCL products. For someone spending ₹5,000 per month at BPCL, this is ₹312.50 per month or ₹3,750 per year in rewards. On fuel purchases at other oil marketing companies (IOCL, HPCL, shell), the card earns 2.5% value back (8X Reward Points), which remains competitive. For a mixed usage pattern — ₹3,000 at BPCL and ₹2,000 at other fuel stations — the blended return remains well above 4%, exceptional for a card with a ₹499 annual fee. Dining and grocery cashback of 1% (4X Reward Points) and baseline 0.5% on other spends ensure the card delivers value across all spending categories. The 1% additional fuel surcharge waiver at BPCL further enhances savings for BPCL customers. The annual fee of ₹499 is reversed on spending just ₹50,000 per year — approximately ₹4,167 per month — making the card effectively free for most users. The minimum income requirement of ₹1.5 lakhs per annum makes this one of the most accessible fuel cards in India. Source: SBI Card official website, updated May 2026.