Card Benefits
Key benefits available with this card.
Up to 4.25% Savings on BPCL Fuel
Save up to 4.25% on BPCL fuel spends: 13X Reward Points (3.25% value-back) + 1% fuel surcharge waiver on transactions up to ₹4,000.
Instant Fuel Point Redemption
Redeem your accumulated Reward Points instantly for fuel at over 1,200 partner BPCL petrol pumps (1 RP = ₹0.25) with no minimum threshold.
5X Rewards on Groceries, Dining & Movies
Earn 5 Reward Points per ₹100 spent (~1.25% return) on dining, groceries, departmental stores, and movie tickets (capped at 5,000 points per month).
1X Base Rewards
Earn 1 Reward Point per ₹100 spent (~0.25% return) on all other eligible retail and online purchases.
2,000 Points Welcome Gift
Get 2,000 bonus Reward Points (worth ₹500) upon payment of the ₹499 joining fee, covering the cost of the card.
Easy ₹50,000 Annual Fee Waiver
The ₹499 annual renewal fee is waived on achieving annual eligible card spends of ₹50,000 or more in the preceding anniversary year.
1% Fuel Surcharge Waiver
1% fuel surcharge waiver on BPCL fuel transactions up to ₹4,000, capped at ₹100 per monthly statement cycle.
Welcome / Free Offer
2,000 bonus Reward Points (worth ₹500) upon payment of the joining fee.
Value up to ₹500
Eligibility: Credited within 20 calendar days of joining fee payment.
Rewards & Points
How rewards are earned on this card.
| Category | Reward | Details |
|---|---|---|
| BPCL Fuel Purchases (13X) | 13.0000 points / ₹100 | Earn 13 Reward Points per ₹100 spent at partner BPCL fuel pumps. Capped at 1,300 Reward Points per monthly billing cycle (Effective return: 3.25%). |
| Groceries, Dining, Movies & Departmental (5X) | 5.0000 points / ₹100 | Earn 5 Reward Points per ₹100 spent on groceries, departmental stores, dining, and movie tickets. Capped at 5,000 points per month (Effective return: 1.25%). |
| All Other Retail Spends (1X) | 1.0000 points / ₹100 | Earn 1 Reward Point per ₹100 spent on all other eligible general retail transactions (Effective return: 0.25%). |
| Excluded Categories | 0.0000 points / ₹100 | Fuel purchases at non-BPCL outlets, wallet reloads, cash advances, balance transfers, flexipay/EMI conversions, and card fees do not earn Reward Points. |
Reward Redemptions
| Redemption Method | Point Value | Details |
|---|---|---|
| Instant BPCL Fuel Redemption | ₹0.25 | 1 Reward Point = ₹0.25. Redeem accumulated points directly for fuel purchase at over 1,200 partner BPCL petrol pumps with no minimum points threshold. |
| Gift Vouchers & Catalogue | ₹0.25 | 4 Reward Points = ₹1 (1 RP = ₹0.25) when redeemed against brand gift vouchers or merchandise on the SBI Card Rewards Portal. |
Airport Lounge Access
Fuel Surcharge Waiver
Current Offers & Promotions
2,000 Reward Points Welcome Offer
Active2,000 Reward Points
Maximum benefit: 500.00
Receive 2,000 bonus Reward Points (worth ₹500) upon payment of the ₹499 joining fee.
Annual Fee Spend Reversal
Active₹499 Waived
Maximum benefit: 499.00
Annual renewal fee of ₹499 is reversed upon spending ₹50,000 or more in the preceding anniversary year.
1% BPCL Fuel Surcharge Waiver
Active1% Surcharge Refund
Maximum benefit: 100.00
1% fuel surcharge waiver on BPCL fuel purchases up to ₹4,000, capped at ₹100 per statement cycle.
Eligibility Criteria
21 to 65 yrs
Salaried and Self-employed
₹30,000 / month
₹360,000 / year ITR
650+
New-to-Credit: Allowed only for Salaried
Additional Eligibility Details
Important Eligibility Information
Age: 21 to 65 years. Employment: Salaried and Self-employed. Minimum Monthly Income: ₹30,000. Credit Score: 650+ with no delayed payments in the past 12 months. New-to-credit applicants allowed only for salaried profiles.
Income: Salaried: ₹30,000 per month. Self-employed: Annual income / ITR > ₹3,60,000.
Employment: Salaried and Self-employed Indian residents.
Credit Score: Minimum credit score of 650+ with a clean repayment history in the last 12 months.
Documents Needed
Fees & Charges
₹499
₹499 + GST
Pros
• Up to 4.25% total value-back on BPCL fuel purchases (3.25% rewards + 1% surcharge waiver)
• Instant reward point redemption directly into free fuel at 1,200+ BPCL pumps with zero minimum threshold
• 5X rewards (1.25% back) on dining, groceries, departmental stores, and movies
• Very low annual fee waiver threshold of just ₹50,000 annual spend
• ₹500 welcome bonus (2,000 points) completely covers the first-year joining fee
• Available on RuPay network for UPI transactions
Cons
• 13X fuel rewards are capped at 1,300 points per billing cycle (~₹10,000 monthly fuel spend)
• Base reward rate on regular retail spends is low at 0.25% (1 RP per ₹100)
• No complimentary airport lounge access
• Accelerated fuel savings are limited strictly to BPCL petrol stations