SimplifyCards take
A quick decision view before the full facts.
Good fit if: you want a card built for fuel, bpcl, and grocery.
Why it can work
It offers accelerated rewards on fuel spends at bpcl petrol pumps.
Where value may drop
The renewal fee is waived only on Rs 50,000 of annual spend. Monthly reward caps apply on the top categories. The 3.5% forex markup is high for overseas use.
Quick facts
The key fields before the full details.
Reward calculator
Enter your monthly spend to estimate how many reward points you earn and what they are worth.
What your points are worth
Same points, very different value depending on how you redeem.
How you earn it
| Category | Monthly spend | Reward Points/yr |
|---|---|---|
| Dining & food delivery | Rs 4,000 | 2,400 |
| Fuel | Rs 3,000 | 4,680 |
| Groceries | Rs 5,000 | 3,000 |
| Other spends | Rs 8,000 | 960 |
Estimates only. Reward rates, caps, and redemption values follow each bank's current terms and can change.
Best for / avoid if
Who this card suits — and who should skip it.
Best for Fuel Spends At BPCL Petrol Pumps
13 Reward Points / Rs 100 spent
Avoid for heavy international use
A 3.5% forex markup is on the higher side for overseas spends.
Avoid if you expect uncapped rewards
Top reward categories are capped each month, so very high spends don't scale linearly.
Rewards and redemption
Earn rates, caps, and how points convert to value.
| Category | Rate | Monthly cap |
|---|---|---|
| Fuel spends at BPCL petrol pumps | 13 Reward Points / Rs 100 spent | 1,300 reward points |
| Grocery, departmental stores, movies, and dining spends | 5 Reward Points / Rs 100 spent | 5,000 reward points |
| Other eligible spends | 1 Reward Point / Rs 100 spent | - |
Redemption
Lounge and milestone rules
The spend conditions worth knowing before you rely on a benefit.
Exclusions
Categories that earn no rewards on this card.
- cash withdrawal
- balance transfer
- fuel spends outside eligible BPCL reward construct
- transactions excluded under BPCL SBI Card terms
Benefits and fine print
Welcome, renewal, and other listed benefits.
Joining benefits
- 2,000 activation bonus Reward Points worth Rs 500 on payment of joining fee
Additional benefits
- 1% fuel surcharge waiver up to Rs 100 per month on eligible BPCL fuel transactions up to Rs 4,000
Eligibility
Check this before you apply.
Salaried
- Age 21 to 60 years
- Stable income as per SBI Card credit assessment
- Good credit profile and address in a serviced location
Self-employed
- Age 25 to 60 years
- Stable business income as per SBI Card credit assessment
- Good credit profile and address in a serviced location
Compare before you decide
Alternatives based on what you might want instead.