Key Details
₹3.0L
Min Income (Annual)
Rewards
13X on BPCL fuel, 5X on dining/movies/grocery, 1X on others
Best For
Fuel savings at BPCL pumps
Lounge Access
None
Fuel Surcharge Waiver
1% on BPCL pumps, capped at ₹100/month
Crediya's Verdict
If you fill up at BPCL stations regularly, this card is a must-have. The 13X rewards translate to ~4.25% return on fuel, which is among the best fuel rewards in India. The 5X on dining/grocery adds everyday value. Just remember — this is a BPCL-specific card. If your nearest pump is HP or Indian Oil, look elsewhere.
Pros
✓ 13X rewards at BPCL fuel stations (4.25% return)
✓ 5X on dining, movies, grocery
✓ 1% fuel surcharge waiver
✓ ₹250 BPCL voucher on ₹50K quarterly spend
✓ Annual fee waiver on ₹2L spend
Cons
✗ Rewards locked to BPCL only (not HP, Indian Oil)
✗ Base reward rate is poor (~0.25%)
✗ Limited non-fuel utility
✗ No lounge access
Hidden Fees & Charges
⚠ Fuel surcharge waiver cap: ₹100/month
⚠ Late payment: ₹400-1200
⚠ Cash advance: 2.5% (min ₹500)
⚠ Forex markup: 3.5%
⚠ Rewards expire after 2 years