SBI Card · Entry
BPCL SBI Card
Where it ranks across all 187 cards
#3 Fuel
3.3%
at BPCL pump
direct
#50 Dining out
1.3%
direct
#55 Groceries
1.3%
direct
#56 Movies & events
1.3%
direct
#65 EMI
0.3%
direct
#79 Insurance
0.3%
direct
#88 Education
0.3%
direct
#92 Utility bills
0.3%
direct
#121 Gaming
0.3%
direct
#122 Jewellery & watches
0.3%
direct
#133 Mobile / broadband
0.3%
direct
#145 Train tickets
0.3%
direct
#152 Cabs & transit
0.3%
direct
#160 Flights
0.3%
direct
#160 Hotels
0.3%
direct
#160 Health & pharmacy
0.3%
direct
#160 Other
0.3%
direct
#161 Electronics
0.3%
direct
#164 Food delivery
0.3%
direct
#164 Fashion
0.3%
direct
#165 Online shopping
0.3%
direct
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Points valued at ₹0.25/pt - conservative, what rankings use
Reward rules4 direct
Base rate - everything not covered below
0.25%base rate
1 pt / ₹100
source
Source: BPCL SBI Card - sbicard.com - read 25 Sep 2026
13 pts / Rs100 on BPCL fuel (4.25% value back incl. surcharge waiver)
3.25%this rule
13 pts / ₹100
how it works & source
Plus a separate 1% fuel surcharge waiver on BPCL transactions up to Rs 4,000 (not part of the reward-point value). Not applicable on fuel spends via UPI/RuPay at BPCL pumps.
Source: BPCL SBI Card T&C (bank PDF) - sbicard.com - read 25 Sep 2026
5 pts / Rs100 on groceries, departmental stores, movies and dining
1.25%this rule
5 pts / ₹100
source
Source: BPCL SBI Card T&C (bank PDF) - sbicard.com - read 25 Sep 2026
No points on other fuel spends
0.00%this rule
0 pts / ₹100
source
Source: BPCL SBI Card T&C (bank PDF) - sbicard.com - read 25 Sep 2026
Percentages here are each rule's own rate.
The card's single headline is the best of the direct rules only - selectable packs, capped-base rows and
portal/voucher routes above are shown for completeness but never set it.
Earns nothing on1 exclusion
Wallet load
earns nothing
e-Wallet loading/recharge transactions earn no reward points.
→ use SC Ultimate here (3.3%)
detail & source
categories: Wallet load · MCCs: 6540, 6541
Source: BPCL SBI Card T&C (bank PDF) - sbicard.com - read 25 Sep 2026