SBI BPCL Credit Card Review (2026)
India's best fuel card. 13x on BPCL fuel stations plus fuel surcharge waiver. If you fill up at BPCL regularly, this card pays for itself instantly.
Last updated: 2026-04-08· By PointsWallah Editorial
Fee Details
| Annual Fee | ₹499 |
| Joining Fee | ₹499 |
| Fee Waiver | Spend 50,000 in a year |
| Income Required | ₹3L/year |
| Network | Visa |
| Fuel Surcharge Waiver | Yes |
Reward Rates
Currency: SBI Reward Points
Milestone Benefits
500 bonus reward points on spending 1L
Our Review
The BPCL card is THE card for people who drive daily and fuel up at BPCL stations. The 13x earn rate on BPCL fuel is genuinely unmatched — no other card comes close. Combined with the fuel surcharge waiver (saves ~1% on every fuel transaction), you're effectively getting 7-8% back on fuel. The catch: this only works at BPCL, not Indian Oil or HP. If your regular fuel station is BPCL, this is a no-brainer addition to your wallet. The 5x on dining and grocery is a nice bonus. Use this exclusively for fuel and food, and carry a different card for everything else. At 499/year (waived at 50K spend), the math works even if you fill up just twice a month.
Pros & Cons
Pros
- + 13x on BPCL fuel — the highest fuel earn rate of any Indian card
- + 5x on dining and groceries — solid accelerated categories
- + Fuel surcharge waiver on top of fuel rewards
- + Very low 499 fee with easy 50K waiver
Cons
- - 1x on all other spends is very low
- - Fuel reward cap of 500 bonus points/month limits the benefit
- - Only works at BPCL stations — not Indian Oil or HP
- - No lounge access
Best For
Frequently Asked Questions
Is the SBI BPCL Credit Card worth it in 2026?
It depends on your spending. The SBI BPCL Credit Card costs ₹499/year (waiver: Spend 50,000 in a year). With an effective base return of 0.3%, you'd need to spend approximately ₹2.0L per year just to break even on the fee. If your annual spend exceeds that, the card earns you money.
What is the SBI BPCL Credit Card annual fee?
The SBI BPCL Credit Card has an annual fee of ₹499. Joining fee is also ₹499. Fee waiver: Spend 50,000 in a year.
What is the minimum salary required for SBI BPCL Credit Card?
The minimum annual income required for the SBI BPCL Credit Card is ₹3L. However, if you have an existing banking relationship with SBI Card, you may get approved at a lower income level.
Disclaimer: This review is for informational purposes only and does not constitute financial advice. Card features, fees, and reward structures may change without notice. Please verify all details on SBI Card's website before applying. We may earn a commission if you apply through our links — this does not affect our editorial assessment.