"India's best fuel credit card โ 7.25% value back on BPCL fuel spends with 10X rewards on dining, groceries and movies"
โ โ โ โ โ 5.0/5(1 ratings)
Quick Summary
๐ณ Joining Fee
โน1,499 + GST
๐ Renewal Fee
โน1,499 + GST
Waived: Annual fee waived on annual spends of โน2 lakh or more in the preceding year
๐ฏ Best Suited For
Regular commuters and vehicle owners who refuel primarily at BPCL/Bharat Petroleum pumps; those who spend โน4,000โโน10,000 per month on fuel
๐ Reward Type
Reward Points (1 RP = โน0.25; redeemable for BPCL fuel, statement credit, vouchers)
๐ Welcome Benefit
6,000 bonus Reward Points (worth โน1,500) on payment of joining fee โ credited within 30 days of fee payment; effectively recovers most of the โน1,499 joining fee
๐ฐ Reward Rate
25X Reward Points (25 RPs per โน100) on fuel spends at BPCL petrol pumps and Bharat Gas website/app โ capped at 2,500 RPs per billing cycle; 10X RPs (10 per โน100) on dining, groceries, departmental stores, and movie tickets; 1X RP on all other retail spends; effective fuel value-back: 6.25% as RPs + 1% surcharge waiver = 7.25% total
โ๏ธ Lounge Access
4 complimentary domestic airport lounge visits per year via Visa Domestic Lounge Programme โ 1 per quarter; at select domestic airports across India
โฝ Fuel Waiver
1% fuel surcharge waiver on BPCL transactions up to โน4,000; maximum โน100 per statement cycle; no surcharge waiver at non-BPCL fuel stations
Best fuel rewards in India at 7.25% value-back on BPCL spends
10X rewards on dining, groceries, departmental stores and movies
6,000 welcome RPs (โน1,500 value) nearly offsets the joining fee
4 complimentary domestic lounge visits/year
โน2,000 milestone voucher on โน3L annual spend
25X on Bharat Gas website/app too
โ Cons
7.25% fuel benefit only at BPCL โ useless if you refuel at Indian Oil or HP
Fuel surcharge waiver capped at โน100/month (applies on โน10,000 BPCL spend)
25X rewards capped at 2,500 RPs per billing cycle (effective on โน10,000 fuel spend)
Base reward rate of 0.25% on non-accelerated spends is extremely low
High forex markup of 3.5%
Redemption fee of โน99 per request
๐ Rewards & Benefits
Reward Type
Reward Points (1 RP = โน0.25; redeemable for BPCL fuel, statement credit, vouchers)
Welcome Benefits
6,000 bonus Reward Points (worth โน1,500) on payment of joining fee โ credited within 30 days of fee payment; effectively recovers most of the โน1,499 joining fee
Reward Rate
25X Reward Points (25 RPs per โน100) on fuel spends at BPCL petrol pumps and Bharat Gas website/app โ capped at 2,500 RPs per billing cycle; 10X RPs (10 per โน100) on dining, groceries, departmental stores, and movie tickets; 1X RP on all other retail spends; effective fuel value-back: 6.25% as RPs + 1% surcharge waiver = 7.25% total
Reward Redemption
Redeem via SBI Card website or app: BPCL fuel redemption (at BPCL pumps directly, 1 RP = โน0.25 fuel credit), statement credit, merchandise, vouchers; redemption fee โน99 + GST per request
Fuel Surcharge Waiver
1% fuel surcharge waiver on BPCL transactions up to โน4,000; maximum โน100 per statement cycle; no surcharge waiver at non-BPCL fuel stations
Lounge Access
4 complimentary domestic airport lounge visits per year via Visa Domestic Lounge Programme โ 1 per quarter; at select domestic airports across India
Spend Based Fee Waiver
Annual fee waived on โน2 lakh+ annual spend
Milestone Benefits
โน2,000 e-gift voucher from Aditya Birla Fashion, Yatra, Hush Puppies or Bata on annual spend of โน3 lakh
Other Benefits
Flexipay: convert purchases above โน2,500 to EMI; balance transfer from other cards; zero lost card liability; Easy Bill Pay for utility payments; widely accepted at 24 million+ merchants globally; 1 lakh fraud liability cover
โจ Special Perks & Exclusive Offers
Memberships
Details coming soon
Insurance Cover
Lost card fraud liability cover โน1 lakh (valid on reporting loss); no personal accident insurance
Add-on Cards
Add-on cards for family members (spouse, parents, children, siblings above 18)
Concierge Services
Details coming soon
Special Offers
25X RPs on Bharat Gas website and app; โน2,000 voucher on โน3L annual spend; Visa contactless payments
๐ณ Fees & Interest Rates
Joining Fee
โน1,499 + GST
Annual Fee / Renewal Fee
โน1,499 + GST โ Waived on: Annual fee waived on annual spends of โน2 lakh or more in the preceding year
Interest Rate (APR)
๐กPay your balance in full each month and this never applies to you.
3.5% per month (42% per annum)
ATM Cash Withdrawal / Cash Advance
2.5% of withdrawn amount, minimum โน500
Late Payment Charges
โน100 (due up to โน500); โน400 (โน501โโน1,000); โน750 (โน1,001โโน10,000); โน950 (โน10,001โโน25,000); โน1,100 (โน25,001โโน50,000); โน1,300 (above โน50,000)
Over Limit Charges
2.5% of overlimit amount, minimum โน500
Cheque Bounce / Auto-Debit Return
Details coming soon
Other Charges
Reward redemption fee โน99 + GST per request; fuel 7.25% value-back only at BPCL pumps โ not at Indian Oil, HP or other fuel brands; fuel surcharge waiver capped at โน100/month (effective on โน10,000 BPCL fuel spend)
๐ Eligibility & Credit Limit
Eligibility Criteria
Age 18โ70 years; salaried or self-employed; minimum monthly income โน20,000; Indian resident with valid KYC; good credit history
Credit Score Requirement
700+ CIBIL score recommended
Credit Limit
Based on income and SBI Card credit assessment
๐ EMI, Balance Transfer & Debt Management
EMI Conversion
Flexipay: convert transactions above โน500 to EMI; tenures 3โ24 months
Balance Transfer Facility
Available from other bank credit cards; minimum โน5,000
Balance Transfer Interest Rate
As per SBI Card prevailing rates
Balance Transfer Charges
Details coming soon
๐ Security & Fraud Protection
Card Block Feature
Instant block via SBI Card app, website, or customer care
Instant Fraud Alerts
SMS and email alerts for every transaction
Purchase Protection
โน1 lakh fraud liability cover on timely card loss reporting
Virtual Card Numbers
Details coming soon
Zero Liability Protection
โน1 lakh cover on unauthorized transactions after reporting
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