Key benefits
- 25 reward points per ₹100 spent at BPCL pumps, worth about 7.25% back
- 1% fuel surcharge waiver up to ₹100 per statement cycle
- 10X points on dining, groceries and departmental stores
- ₹1,500 worth of points as a welcome benefit
Fees and charges
| Joining fee | ₹1,499 + GST |
| Annual fee | ₹1,499 + GST |
| Fee waiver | Spend ₹2 lakh a year |
| Reward value | ₹0.25 per point |
| Fuel benefit cap | ₹2,500 of points a month |
| Interest rate | 3.75% per month (45% p.a.) |
Eligibility
- Salaried or self-employed aged 21–70
- Net monthly income above ₹25,000
- Credit score above 720
Who it suits
The strongest fuel card in India if you fill up at BPCL — the surcharge waiver alone repays the fee for heavy drivers.
Watch out for
The accelerated rate is limited to BPCL, so it is worth little if another brand is closer to home.
Fees and reward rates shown are indicative and set entirely by SBI Card. They change without notice — confirm the current terms on the issuer's own page before you apply.