{
  "id": "sbi-bpcl",
  "locale": "hinglish",
  "name": "BPCL SBI Card",
  "bank": "SBI Card",
  "cardType": "cashback",
  "cardTier": "entry",
  "annualFee": "₹499 + GST",
  "loungeAccess": "No lounge access",
  "rewardsRate": "BPCL petrol par 13 points / ₹100 · grocery aur dining par 5 points / ₹100",
  "bestFor": "BPCL petrol pump refueling, grocery supermarkets & movie entertainment",
  "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 annual spend complete karne par fee waive",
  "networks": [
    "Visa"
  ],
  "quickFacts": [
    {
      "key": "BPCL Fuel Valueback",
      "value": "4.25% (13X + 1% waiver)"
    },
    {
      "key": "Groceries & Dining",
      "value": "5X (1.25% return)"
    },
    {
      "key": "Annual Fee",
      "value": "₹499 + GST"
    },
    {
      "key": "Fee Waiver",
      "value": "₹1 Lakh / year"
    },
    {
      "key": "Point Redemption",
      "value": "Instant ₹0.25/pt at BPCL"
    },
    {
      "key": "Welcome Gift",
      "value": "2,000 Reward Points (₹500)"
    }
  ],
  "earnRates": [
    {
      "category": "BPCL Petrol Pumps (Fuel & Lubricants)",
      "rate": "4.25% (13X + 1% waiver)",
      "monthlyCap": "1,300 RP / cycle (₹10,000 spend)",
      "perLakhSpent": "13,000 RP (₹3,250 + ₹1,000 waiver)"
    },
    {
      "category": "Groceries, Supermarkets & Dining",
      "rate": "1.25% (5 RP / ₹100)",
      "monthlyCap": "Uncapped",
      "perLakhSpent": "5,000 RP (₹1,250 value)"
    },
    {
      "category": "General Domestic Retail Spends",
      "rate": "0.25% (1 RP / ₹100)",
      "monthlyCap": "Uncapped",
      "perLakhSpent": "1,000 RP (₹250 value)"
    },
    {
      "category": "Non-BPCL Fuel & Rent",
      "rate": "0%",
      "monthlyCap": "Excluded",
      "perLakhSpent": "0 RP"
    }
  ],
  "hasAccelerated": true,
  "acceleratedEarn": [
    {
      "channel": "Bharat Petroleum (BPCL) Pumps",
      "multiplier": "13×",
      "rate": "4.25%",
      "monthlyCap": "1,300 RP / month",
      "dailyCap": "—",
      "note": "13 RP per ₹100 + 1% fuel surcharge waiver up to ₹4,000/txn."
    },
    {
      "channel": "Groceries & Dining",
      "multiplier": "5×",
      "rate": "1.25%",
      "monthlyCap": "Uncapped",
      "dailyCap": "—",
      "note": "5 RP per ₹100 on departmental stores and restaurants."
    }
  ],
  "redemptionRoutes": [
    {
      "route": "Instant Fuel at BPCL Pumps",
      "value": "₹0.25 / pt (4 RP = ₹1.00 Fuel)",
      "minPoints": "1,000 pts",
      "ceiling": "None",
      "fee": "Nil (Free redemption at pump)",
      "isBest": true
    },
    {
      "route": "Brand Vouchers & Gift Cards",
      "value": "₹0.25 / pt",
      "minPoints": "2,000 pts",
      "ceiling": "None",
      "fee": "₹99 + GST",
      "isBest": true
    }
  ],
  "exclusions": [
    "Non-BPCL fuel stations (HPCL, IndianOil, Shell).",
    "Rent payments.",
    "Wallet reloads aur utilities."
  ],
  "feesDetail": [
    {
      "item": "Joining Fee",
      "value": "₹499 + GST (2,000 points welcome bonus)"
    },
    {
      "item": "Annual Renewal Fee",
      "value": "₹499 + GST (Waived at ₹1 Lakh spend)"
    },
    {
      "item": "Forex Markup",
      "value": "3.5% + GST"
    },
    {
      "item": "Finance Charges",
      "value": "3.75% / month (52.86% / year)",
      "warn": true
    }
  ],
  "eligibilityDetail": [
    {
      "criteria": "Age",
      "requirement": "21–70 years"
    },
    {
      "criteria": "Salaried Income",
      "requirement": "₹20,000+ monthly net salary"
    },
    {
      "criteria": "Self-Employed Income",
      "requirement": "ITR above ₹2.4 Lakhs per annum"
    }
  ],
  "timelineEvents": [],
  "pointsValuation": null
}