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STATE BANK
Seven and a quarter per cent back on BPCL fuel, with a lounge visit every quarter.
One-time
Waived on ₹2,00,000/yr
Uncapped rewards
Score 750+
Applying takes you to STATE BANK. CredSpy does not process applications, and the ranking on this site is never influenced by commission.
Best for
Terms structured from published copy
5 reward rates with their caps, taken from STATE BANK’s own published wording rather than checked against its terms document. Verify before you rely on a figure.
See where each figure came fromFuel
No published ceiling on this tier
Dining
No published ceiling on this tier
Groceries
No published ceiling on this tier
Entertainment
No published ceiling on this tier
Everything else
No published ceiling on this tier
Cash advances and ATM withdrawals All exclusions
Data-driven verdict based on net earnings after fees and caps.
Key strength
25% on Fuel — 25 Reward Points per Rs. 100 on BPCL fuel and lubricant purchases — 7.25% value back once the 1% surcharge waiver is counted., with no stated cap.
Biggest limitation
4 Reward Points are worth Re. 1, so 25 points per Rs. 100 on BPCL is an effective 6.25% back, and 7.25% only once the 1% surcharge waiver is counted. The base rate is 0.25%.
Priced with caps, exclusions, and annual fee deducted live.
Monthly spending — ₹54,000
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Import a statement and this runs on your real spending instead of the sliders.
Click any drawer below to inspect fee schedules, lounge terms, reward multipliers, and exclusions.
Everything else the issuer publishes about this card. All of it is on this page and searchable — open only what you need.
25 pts
uncappedFuel
25 Reward Points per Rs. 100 on BPCL fuel and lubricant purchases — 7.25% value back once the 1% surcharge waiver is counted.
10 pts
uncappedDining
10 Reward Points per Rs. 100 on dining.
10 pts
uncappedGroceries
10 Reward Points per Rs. 100 at departmental stores and on groceries.
10 pts
uncappedEntertainment
10 Reward Points per Rs. 100 on movies.
1 pts
uncappedEverything else
1 Reward Point per Rs. 100 on all other retail spends.
| Charge | Amount | Condition |
|---|---|---|
| Joining fee | ₹1,499 | — |
| Annual / renewal fee | ₹1,499 | Annual membership fee is reversed on annual spends of Rs. 2,00,000 or more in the previous year. |
| Add-on card | Nil. Up to 3 add-on cards at no additional cost, for family members above 18 years. | — |
| Cash withdrawal | 2.5%, min ₹500 | 2.5% of amount withdrawn or Rs. 500, whichever is higher. |
| Late payment | Nil up to Rs. 100; Rs. 100 above Rs. 100-500; Rs. 500 above Rs. 500-1,000; Rs. 750 above Rs. 1,000-10,000; Rs. 950 above Rs. 10,000-25,000; Rs. 1,100 above Rs. 25,000-50,000; Rs. 1,300 above Rs. 50,000. | — |
| Foreign currency markup | 3.5% | — |
Interest only applies if a balance is carried past the due date. Paying in full each month costs nothing, and no reward rate on this card comes close to offsetting the interest if you do not.
Fees exclude GST unless stated. Charges can change — confirm against the issuer's current schedule before applying.
Year one
₹1,500
of one-time welcome value, on top of what you earn
Every year after
₹2,00,000 a year
is what it takes to keep the ₹1,499 fee off — about ₹16,667 a month
1% waiver. 1% fuel surcharge waiver at BPCL outlets, which is the component that takes the BPCL value back to 7.25%. SBI Card publishes no separate per-cycle cap for this card.
UPI credit-card linking is available only on RuPay credit cards.
We do not have insurance & protection recorded for this card. Check the issuer's page before relying on it.
Welcome — once
₹1,500
quantified, and kept out of every recurring figure on CredSpy
Milestones — every year
2
spend thresholds you can reach again each year
6,000 bonus Reward Points, worth Rs. 1,500, on payment of the Rs. 1,499 annual membership fee.
Spend ₹2,00,000 a year — about ₹16,667 a month
Annual membership fee of Rs. 1,499 reversed on annual spends of Rs. 2,00,000 or more.
Spend ₹3,00,000 a year — about ₹25,000 a month
E-gift vouchers worth Rs. 2,000 on annual spends of Rs. 3,00,000.
Scored against these published criteria only. No bureau pull, and no approval guarantee — the issuer decides.
CredSpy never collects these. You submit them to the issuer during their own application.
No reviews yet
CredSpy publishes only reviews left by real cardholders. Nothing here is generated, bought or seeded — so this stays empty until someone who holds the card writes one.
STATE BANKSBI Card Unnati₹589
STATE BANKReliance SBI Card₹589
STATE BANKTitan SBI Card₹3,539
STATE BANKIRCTC SBI Card Premier₹590
STATE BANKTata Neu Plus SBI Credit Card₹589Suryoday SFB FD-Backed Credit CardSuryoday Small Finance BankSuryoday SFB FD-Backed Credit Card₹177| Card | Annual fee | Headline rate | Lounge |
|---|---|---|---|
| SBI BPCL Octane Credit Card · this card | ₹1,499 | 25% fuel | Included |
| SBI Card Unnati | ₹589 | Up to 1 reward points per ₹100 | No |
| Reliance SBI Card | ₹589 | Up to 5% cashback | No |
| Titan SBI Card | ₹3,539 | Up to 7.5% cashback | Included |
| IRCTC SBI Card Premier | ₹590 | Up to 10% rewards | No |
Headline rates are not comparable on their own — each card caps and excludes differently. Run your own spending through the switch calculator to see which of these actually pays you more.
₹1,499 plus GST, waived on ₹2,00,000 of annual spend.
The strongest published rate is 25% on fuel, with no stated cap. The calculator above prices your own basket with every cap and exclusion applied.
Yes. 4 complimentary domestic airport lounge visits a year, capped at 1 per calendar quarter.
UPI credit-card linking is available only on RuPay credit cards.
Cash advances and ATM withdrawals Wallet loads Insurance premiums Rent payments EMI transactions Government institution payments No rewards on cash advances and atm withdrawals, wallet loads, insurance premiums, rent payments, emi transactions, government institution payments. Fuel, rent, wallet loads, cash-equivalent transactions and EMI conversions are generally excluded from milestone and welcome-benefit qualifying spends
Redeemed against fuel at BPCL outlets, SBI Card rewards catalogue
You can apply online through our website by filling out the application form and uploading the required documents. You may also visit your nearest branch for in-person assistance.
Yes, you can request a limit increase through internet banking, mobile app, or by contacting customer care. Approval depends on your credit history and income. If you want, I can also create a more engaging, SEO-friendly FAQ section for your credit card website that boosts trust and conversions. Would you like me to prepare that next?
A late payment fee and interest will be charged. Missing payments can also impact your credit score.
4 complimentary domestic airport lounge visits a year, capped at 1 per calendar quarter.
Credit card fees, rewards and benefits change. Please verify the latest terms on the issuer's website before applying. CredSpy earns a commission on some applications; it never affects rankings or what is written here.
