{
  "id": "sbi-bpcl",
  "locale": "hi",
  "name": "BPCL SBI Card",
  "bank": "SBI Card",
  "cardType": "cashback",
  "cardTier": "entry",
  "annualFee": "₹499 + GST",
  "loungeAccess": "लाउंज एक्सेस उपलब्ध नहीं",
  "rewardsRate": "बीपीसीएल पेट्रोल पर 13 अंक / ₹100 · ग्रॉसरी व डाइनिंग पर 5 अंक / ₹100",
  "bestFor": "BPCL पेट्रोल पंपों पर ईंधन भरवाना, ग्रॉसरी सुपरमार्केट और मूवी टिकट्स",
  "officialLink": "https://www.sbicard.com/en/personal/credit-cards/bpcl-sbi-card.html",
  "aiVerdict": {
    "score": 3.2,
    "summary": "Its modest reward rate and low annual fee offset the lack of lounge access.",
    "tradeOffs": [
      "Modest reward rate relative to the market's best cashback cards",
      "No extracted lounge benefit",
      "Data quality is PARTIAL, not fully live-verified"
    ],
    "confidence": 1
  },
  "rewardRatePercent": 0.25,
  "affiliateId": "sbi-bpcl",
  "dataQuality": "PARTIAL",
  "legacyDataQuality": "PARTIAL",
  "evidence": {
    "version": 4,
    "asOf": "2026-10-16",
    "dataQuality": "PARTIAL",
    "verifiedAt": null,
    "unresolvedItems": [
      "fees.joining",
      "fees.annual",
      "fees.taxes",
      "fees.waiver",
      "fees.waiverEligibleSpend",
      "fees.waiverExclusions",
      "rewards.base",
      "rewards.accelerated",
      "rewards.channels",
      "rewards.caps",
      "rewards.capPeriods",
      "rewards.sharedLimits",
      "rewards.exclusions",
      "lounge.domestic",
      "lounge.international",
      "lounge.qualifyingSpend",
      "lounge.qualifyingPeriod",
      "lounge.guests",
      "lounge.issuerNetwork",
      "redemption.value",
      "redemption.minimum",
      "redemption.charges",
      "redemption.expiry",
      "redemption.transfers",
      "redemption.restrictions",
      "eligibility",
      "availability",
      "effectiveDates"
    ],
    "calculation": {
      "status": "unavailable",
      "reason": "Claim-level evidence review incomplete"
    }
  },
  "sources": [
    "SBI Card — BPCL Credit Card schedule of charges",
    "Bharat Petroleum & SBI Card — 13X reward points and surcharge waiver schedule"
  ],
  "feeWaiver": "₹50,000 वार्षिक खुदरा खर्च पर शुल्क माफ",
  "networks": [
    "Visa"
  ],
  "quickFacts": [
    {
      "key": "BPCL ईंधन बचत",
      "value": "4.25% (13X + 1% छूट)"
    },
    {
      "key": "ग्रॉसरी व डाइनिंग",
      "value": "5X (1.25% रिटर्न)"
    },
    {
      "key": "वार्षिक शुल्क",
      "value": "₹499 + GST"
    },
    {
      "key": "शुल्क माफी",
      "value": "₹1 लाख सालाना खर्च"
    },
    {
      "key": "पॉइंट रिडेम्पशन",
      "value": "BPCL पंप पर तुरंत ईंधन"
    },
    {
      "key": "स्वागत उपहार",
      "value": "2,000 रिवॉर्ड पॉइंट्स (₹500)"
    }
  ],
  "earnRates": [
    {
      "category": "BPCL पेट्रोल पंप (ईंधन व ल्यूब्रिकेंट्स)",
      "rate": "4.25% (13X + 1% छूट)",
      "monthlyCap": "1,300 RP / चक्र (₹10,000 खर्च)",
      "perLakhSpent": "13,000 RP (₹3,250 + ₹1,000 छूट)"
    },
    {
      "category": "ग्रॉसरी, सुपरमार्केट व डाइनिंग",
      "rate": "1.25% (5 RP / ₹100)",
      "monthlyCap": "कोई सीमा नहीं",
      "perLakhSpent": "5,000 RP (₹1,250 value)"
    },
    {
      "category": "सामान्य घरेलू रिटेल खरीदारी",
      "rate": "0.25% (1 RP / ₹100)",
      "monthlyCap": "कोई सीमा नहीं",
      "perLakhSpent": "1,000 RP (₹250 value)"
    },
    {
      "category": "अन्य पंप ईंधन व किराया",
      "rate": "0%",
      "monthlyCap": "शून्य (Excluded)",
      "perLakhSpent": "0 RP"
    }
  ],
  "hasAccelerated": true,
  "acceleratedEarn": [
    {
      "channel": "भारत पेट्रोलियम (BPCL) पंप्स",
      "multiplier": "13×",
      "rate": "4.25%",
      "monthlyCap": "1,300 RP / माह",
      "dailyCap": "—",
      "note": "प्रति ₹100 पर 13 RP + ₹4,000 तक 1% सरचार्ज माफी।"
    },
    {
      "channel": "ग्रॉसरी व डाइनिंग",
      "multiplier": "5×",
      "rate": "1.25%",
      "monthlyCap": "कोई सीमा नहीं",
      "dailyCap": "—",
      "note": "सुपरमार्केट और रेस्टोरेंट बिलों पर प्रति ₹100 पर 5 RP।"
    }
  ],
  "redemptionRoutes": [
    {
      "route": "BPCL पंप पर तुरंत मुफ्त पेट्रोल",
      "value": "₹0.25 / पॉइंट (4 RP = ₹1 ईंधन)",
      "minPoints": "1,000 अंक",
      "ceiling": "कोई सीमा नहीं",
      "fee": "शून्य (पंप पर मुफ्त रिडेम्पशन)",
      "isBest": true
    },
    {
      "route": "ब्रांड वाउचर्स और गिफ्ट कार्ड्स",
      "value": "₹0.25 / पॉइंट",
      "minPoints": "2,000 अंक",
      "ceiling": "कोई सीमा नहीं",
      "fee": "₹99 + GST",
      "isBest": true
    }
  ],
  "exclusions": [
    "गैर-BPCL पेट्रोल पंप (HPCL, IndianOil, Shell, Reliance)।",
    "किराया भुगतान (Rent pay)।",
    "वॉलेट लोड और यूटिलिटी बिल।"
  ],
  "feesDetail": [
    {
      "item": "जॉइनिंग शुल्क",
      "value": "₹499 + GST (2,000 पॉइंट्स वेलकम बोनस)"
    },
    {
      "item": "वार्षिक नवीनीकरण शुल्क",
      "value": "₹499 + GST (₹1 लाख खर्च पर माफ)"
    },
    {
      "item": "फॉरेक्स मार्कअप",
      "value": "3.5% + GST"
    },
    {
      "item": "रिवॉल्विंग ब्याज दर",
      "value": "3.75% प्रति माह (52.86% वार्षिक)",
      "warn": true
    }
  ],
  "eligibilityDetail": [
    {
      "criteria": "आयु सीमा",
      "requirement": "21 से 70 वर्ष"
    },
    {
      "criteria": "वेतनभोगी आय",
      "requirement": "₹20,000+ प्रति माह शुद्ध वेतन"
    },
    {
      "criteria": "स्वरोजगार आय",
      "requirement": "₹2.4 लाख से अधिक का ITR"
    }
  ],
  "timelineEvents": [],
  "pointsValuation": null
}