Fuel prices change almost every week. But what if every fuel refill quietly gave you something back—movie tickets, travel discounts, or even free fuel?
For customers of State Bank of India, the SBI HPCL Everyday Debit Card is built exactly for that purpose.
This isn’t just another debit card. It’s designed for people who drive daily, shop regularly, and don’t want to leave rewards on the table.
The Welcome Bonus Most People Miss
Right after you receive the card, there’s a short window where SBI rewards you for simply using it.
Within the first 60 days, complete these three transactions:
- Spend ₹2,000 or more (online or PoS) → 50 points
- Spend ₹2,000 again → 100 points
- Spend ₹2,000 one more time → 150 points
That’s 300 reward points just for routine spending—no special tricks, no complicated steps.
Why Regular Fuel Users Love This Card
The biggest attraction is the 2X reward benefit on HPCL fuel purchases.
Here’s how it works:
- Normal spending: 2 reward points for every ₹200
- HPCL fuel spending: 4 reward points for every ₹200
- Birthday month: Rewards are doubled again on all spends
A Small Swipe Trick That Adds Up
SBI calculates rewards on a maximum of ₹1,000 per transaction.
So if your fuel bill is ₹3,000, splitting it into smaller swipes can help you earn more points over time.
Fees, Limits & What You’re Paying For
The card does come with a modest cost, but it’s easy to recover if you use it regularly.
- Issuance fee: ₹350 + GST (one time)
- Annual fee: ₹350 + GST (from second year onward)
- ATM withdrawal limit: ₹40,000 per day
- Online & shopping limit: ₹2,00,000 per day
For most everyday users, the fuel rewards alone can offset the annual charge.
Turning Points into Real Benefits
Reward points don’t just sit idle. You can use them for:
- Fuel savings: Redeem points through the HP Pay app
- Travel bookings: Flights and hotels on the SBI Rewardz portal with no convenience fee
- Entertainment: Movie vouchers via BookMyShow
It’s flexible enough to match different lifestyles—drivers, travelers, or movie lovers.
Is It Worth Getting?
If you’re spending around ₹5,000 or more each month on fuel, groceries, or daily shopping, this card quietly returns 1%–2% value on money you’d spend. It offers value on unavoidable expenditures.
No learning curve. No tracking apps. Just swipe, pay, and earn.
For SBI customers who refuel at HPCL often, the SBI HPCL Everyday Debit Card feels less like a bank product—and more like a smart daily habit.
Rajil M P is a seasoned banking professional with over eight years of experience in the Indian banking sector. He has successfully completed the JAIIB and CAIIB examinations conducted by the Indian Institute of Banking & Finance (IIBF), reflecting his strong academic foundation and practical expertise in banking, finance, and risk management. He is the founder and editor of IndianBanker.com, a trusted platform focused on banking news, exam preparation, financial updates, and practical tools for banking aspirants, professionals, and informed readers. Drawing from real-world banking experience, Rajil simplifies complex topics such as interest rates, loans, deposits, RBI policies, and government schemes, making them easy to understand and apply.
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