SBI BPCL Credit Card, launched by SBI in collaboration with Bharat Petroleum, gives 4.25% value-back on fuel purchases at BPCL petrol pumps. Besides, it offers 5X accelerated rewards on multiple categories, such as groceries, movies, dining, etc. For a card with a low joining fee of Rs. 499, the rewards are quite decent. Read on to know more about SBI BPCL Card.
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Key Highlights of SBI BPCL Credit Card | |
 | |
| Card Type | Entry-Level |
| Best Suited For | Fuel |
| Joining Fee | Rs. 499 |
| Annual Fee | Rs. 499 (Reversed on spending Rs. 50,000 in a year) |
| Welcome Benefit | 2,000 activation bonus reward points worth Rs. 500 |
| Best Feature | 13X reward points on fuel purchase at BPCL petrol pumps |
| Paisabazaar Rating | ★★★ (3/5) |
Also read: 10 Best Credit Cards in India
| On this page |
*This offer is valid for a limited period.
SBI BPCL Credit Card is one of the best fuel credit cards available in the market. With this credit card, you can earn up to 4.25% value back on your fuel expenses. The good thing is you can redeem the earned reward points at the value of 4 reward points = Re. 1 | 1 reward point = Re. 0.25. Here are some of the major SBI BPCL Credit Card benefits:
You can earn up to 13X reward points on your fuel transactions at BPCL petrol pumps. Besides this, you can also earn up to 5X reward points on other selected categories as per the below details:
| ADDITIONAL BENEFIT: Apply for SBI BPCL Credit Card online and get an Amazon voucher worth Rs. 250. |
Apart from reward points, this credit card also offers other privileges, such as welcome benefits, EMI conversion and contactless transactions. Below mentioned are some of the other SBI BPCL Credit Card benefits:
*These reward points are credited within 20 days of the payment of joining fee.
Also read: 25 Best Credit Cards in India for 2022
The fees and charges applicable to SBI BPCL Credit Card are mentioned in the table below:
| Type of Fee/ Charge | Amount |
| Joining Fee | Rs. 499 |
| Annual/ Renewal Fee | Rs. 499 (Reversed on spending Rs. 50,000 in a year) |
| Finance Charges | 3.5% p.m. (42% p.a.) |
| Late Payment Fee | For Statement Balance
|
Click here to check other associated fees and charges.
Note: An additional late payment charge of Rs. 100 will be levied on missing payment of Minimum Amount Due (MAD) by the due date for two consecutive cycles. This charge will continue to be levied for every payment cycle until the MAD is cleared.
To be eligible for SBI BPCL Credit Card, you must have a good credit score (preferably 750+). Additionally, you must meet the below-given criteria as well:
| Particular | Details |
| Age | 18-60 years |
| Occupation | Salaried and Self-employed |
| Documents Required | Click here for the list of documents |
| Serviceable Cities | Click here for the list of eligible cities |
SBI BPCL Credit Card is best suited for you if you prefer Bharat Petroleum over other fuel providers. It has a low annual fee of Rs. 499 which is justified if you want to get value back on your fuel purchases and do not expect extensive rewards across categories. Since fuel benefit is offered in the form of extra rewards, you should get this card if your fuel expenditure makes for a considerable portion of your overall monthly expenses. Thereby, the more you spend on fuel, the more value back you will get.
Besides, if you are not sure whether you prefer any particular fuel brand, you should consider cards that give value back for all your fuel expenses. If you are planning to apply for this credit card, you can read our detailed BPCL SBI Credit Card review. You can also check other Best SBI Credit Cards in 2022 at Paisabazaar and choose a card that best fits your need.
Below mentioned are some of the credit cards that offer benefits similar to BPCL SBI Card:
| Credit Card | Annual Fee | Key Feature |
| SBI BPCL Octane Credit Card | Rs. 1,499 | 25X reward points on fuel purchases at BPCL petrol pumps |
| Indian Oil Citi Credit Card | Communicated at the time of sourcing | 4 Turbo Points for every Rs. 150 spent |
| Standard Chartered Super Value Titanium Card | Rs. 750 | 5% cashback on spends across all petrol pumps |
| IndianOil HDFC Bank Credit Card | Rs. 500 | 5% of your spends as Fuel Points at IndianOil outlets |
| HDFC Bharat Credit Card | Rs. 500 | 5% monthly cashback on fuel expenses |
Q. How can I apply online for SBI BPCL Credit Card?
A. You can apply for this credit card online through the official website of SBI Card and fill out an application form. However, if you want to apply offline, then you can visit any of the nearest branches of SBI Bank and contact an executive.
Q. What is the maximum fuel surcharge waiver offered by SBI BPCL Credit Card?
A. You can avail a fuel surcharge waiver of 1% of your transactions of up to Rs. 4,000 at any BPCL petrol pumps across India. However, you can avail a maximum waiver of Rs. 100 in a billing cycle, which is equivalent to an annual savings of Rs. 1,200.
Q. How to redeem SBI BPCL Credit Card points at the petrol pump?
A. You can redeem your reward points instantly for free fuel at over 1,200 authorized BPCL retail outlets across the country or through BPCL fuel vouchers. The vouchers are valid for 6 months from the date of issue. Also, partial redemption is not allowed.
Q. How can I check the application status of my SBI BPCL Credit Card?
A. Usually, the bank informs you about the updated application status via SMS on your registered mobile number. However, you can also track your application status through the official website of SBI Card by entering your application number. Besides this, you can also call on the SBI Credit Card customer care number and ask the representative about the application status.
Q. Can I transfer my outstanding balance from any other bank’s credit card to SBI BPCL Credit Card?
A. Yes, BPCL SBI Card offers a ‘Balance Transfer’ facility through which you can transfer your outstanding balance from any other bank’s credit card to your SBI Card. For this, you can contact the bank and ask the representative about your query.
