Key Features & Benefits
- ✦25 Reward Points per ₹100 at BPCL fuel stations (6.25% effective rate)
- ✦Additional 1% fuel surcharge waiver at BPCL
- ✦Total effective saving at BPCL: 7.25% (highest fuel card rate in India)
- ✦10X Reward Points on grocery, movies & dining
- ✦1 Reward Point per ₹100 on all other eligible spends
- ✦4 complimentary domestic lounge visits per year
- ✦Annual milestone: ₹2,000 e-voucher on ₹2L spend
- ✦Annual fee waiver on ₹2L annual spend
- ✦6,000 bonus RPs on joining (value ₹1,500)
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Welcome & Joining Benefits
- ✦6,000 bonus Reward Points on joining (worth ₹1,500)
Milestone Benefits
- ✦₹2L annual spend → ₹2,000 e-gift voucher + Annual fee waiver
Pros & Cons
✓ Advantages
- ✓7.25% total value back at BPCL — highest fuel savings rate in India
- ✓10X on grocery + dining makes it a well-rounded everyday card
- ✓4 lounge visits at ₹1,499 fee — rare for a fuel card
- ✓Annual fee easily waived at ₹2L spend
- ✓Welcome bonus of 6,000 RPs (₹1,500) offsets joining fee
✗ Disadvantages
- ✗7.25% only at BPCL pumps — not at HP, IndianOil, Essar etc.
- ✗No international lounge access
- ✗3.5% forex
Frequently Asked Questions
How does 7.25% total saving work at BPCL?▼
You earn 25 RP per ₹100 = 6.25% value back (at ₹0.25/RP). Plus the 1% fuel surcharge waiver = 7.25% total. On ₹5,000/month fuel spend, you save approximately ₹362/month or ₹4,350/year.
Is there a cap on BPCL fuel rewards?▼
Check SBI Card's current terms for monthly caps. Generally there's no hard cap on fuel reward earning, but individual transaction limits may apply. SBI Card updates T&C periodically.
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