Card Benefits
Key benefits available with this card.
7.25% Value-Back on BPCL Fuel
Earn 25 Reward Points per ₹100 spent (6.25% back, capped at 2,500 points/month) plus a 1% fuel surcharge waiver (up to ₹100/month) at BPCL stations.
10X Rewards on Everyday Categories
Earn 10 Reward Points per ₹100 spent (2.5% return) on dining, groceries, departmental stores, and movies (capped at 7,500 points/month).
Domestic Airport Lounge Access
Enjoy 4 complimentary domestic airport lounge visits per year, structured as 1 visit per calendar quarter.
6,000 Points Welcome Gift
Receive 6,000 bonus Reward Points (worth ₹1,500) upon paying the joining fee, completely offsetting the joining cost.
₹2,000 Annual Milestone Voucher
Get an e-gift voucher worth ₹2,000 from Aditya Birla Fashion, Yatra, Hush Puppies, or Bata upon reaching ₹3 Lakhs in annual spends.
Instant Fuel Point Redemption
Redeem accumulated Reward Points directly for free fuel at over 1,200 partner BPCL petrol pumps (1 RP = ₹0.25 with no minimum threshold).
Annual Fee Spend Reversal
The ₹1,499 annual renewal fee is reversed upon reaching ₹2,00,000 or more in eligible spends during the previous anniversary year.
Complimentary Fraud Liability Cover
Enjoy complimentary credit card fraud liability cover of ₹1,00,000.
Welcome / Free Offer
6,000 bonus Reward Points (worth ₹1,500) upon payment of the joining fee.
Value up to ₹1,500
Eligibility: Credited within 30 days of joining fee payment.
Rewards & Points
How rewards are earned on this card.
| Category | Reward | Details |
|---|---|---|
| BPCL Fuel, Lubricants & Bharat Gas | 25.0000 points / ₹100 | Earn 25 Reward Points per ₹100 spent at BPCL petrol pumps and on the Bharat Gas website/app. Capped at 2,500 Reward Points per month (Effective return: 6.25%). |
| Dining, Groceries, Departmental & Movies | 10.0000 points / ₹100 | Earn 10 Reward Points per ₹100 spent on dining, groceries, departmental stores, and movie tickets. Capped at 7,500 points per month (Effective return: 2.5%). |
| All Other Retail Spends | 1.0000 points / ₹100 | Earn 1 Reward Point per ₹100 spent on all other regular retail categories (Effective return: 0.25%). |
| Annual Spend Milestone (₹3 Lakhs) | 0.0000 points / ₹100 | Earn an e-gift voucher worth ₹2,000 from Aditya Birla Fashion, Yatra, Hush Puppies, or Bata on reaching ₹3 Lakhs in annual card spends. |
| Excluded Categories | 0.0000 points / ₹100 | Spends on non-BPCL fuel pumps, 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 instantly for fuel purchase at over 1,200 partner BPCL petrol pumps with no minimum threshold. |
| Gift Vouchers & Catalogue | ₹0.25 | 4 Reward Points = ₹1 (1 RP = ₹0.25) when redeemed against brand gift vouchers or product catalogue items on the SBI Card Rewards Portal. |
Airport Lounge Access
Domestic Airport Lounge
4 visits per year (Max 1/quarter) · Domestic
4 complimentary domestic airport lounge visits per year, capped at 1 visit per calendar quarter.
Fuel Surcharge Waiver
Current Offers & Promotions
6,000 Points Welcome Gift
Active6,000 Reward Points
Maximum benefit: 1500.00
Receive 6,000 bonus Reward Points (worth ₹1,500) upon payment of the ₹1,499 joining fee.
₹2,000 Spend Milestone Voucher
Active₹2,000 E-Voucher
Maximum benefit: 2000.00
Get an e-gift voucher worth ₹2,000 from Aditya Birla Fashion, Yatra, Hush Puppies, or Bata on reaching annual spends of ₹3 Lakhs.
Annual Fee Spend Waiver
Active₹1,499 Waived
Maximum benefit: 1499.00
Annual renewal fee of ₹1,499 is waived upon reaching annual spends of ₹2,00,000 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 transactions 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
720+
New-to-Credit: Not Allowed
Additional Eligibility Details
Important Eligibility Information
Age: 21 to 65 years. Employment: Salaried and Self-employed. Minimum Monthly Income: ₹30,000. Credit Score: 720+ with no delayed payments in the past 12 months. New-to-credit applicants are not allowed.
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 720+ with a clean repayment history in the last 12 months.
Documents Needed
Fees & Charges
₹1,499
₹1,499 + GST
Pros
• Industry-leading 7.25% value-back on BPCL fuel (6.25% rewards + 1% surcharge waiver)
• 10X Reward Points (2.5% return) on dining, groceries, departmental stores, and movies
• 4 complimentary domestic airport lounge visits per year (1 per quarter)
• 6,000 welcome bonus points (worth ₹1,500) covers the first-year fee completely
• ₹2,000 brand e-voucher milestone reward on spending ₹3 Lakhs annually
• Instant redemption for free fuel directly at 1,200+ BPCL petrol stations
• Complimentary fraud liability cover of ₹1 Lakh
Cons
• Higher annual fee of ₹1,499 compared to the base BPCL card
• 25X fuel reward points capped at 2,500 points per month (~₹10,000 monthly fuel spend)
• No international lounge access
• Base reward rate on other retail purchases is standard at 0.25% (1 RP per ₹100)