BPCL SBI Card
Co-branded
Fuel
1st Year Fee: ₹499* Plus Applicable Taxes
Fuel
Up to 4.25% value-back on fuel spends
Co-branded
Accelerated savings on BPCL fuel
Rewards
Up to 13X rewards on card spends
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About BPCL SBI Credit Card
BPCL SBI Card is a co-branded fuel credit card that offers up to 4.25% value-back to consumers in the form of accelerated reward points and fuel surcharge waiver at BPCL petrol pumps. Accumulated reward points can be instantly redeemed at over 1,200 partner BPCL outlets. Interestingly, despite being a fuel card, it does not limit the benefit to fuel category only, as you get accelerated rewards on other spending categories like grocery, dining and movies.
With a low annual fee of Rs. 499 only, BPCL SBI Card competes with other entry-level fuel cards like IndianOil HDFC, IndianOil Axis and ICICI HPCL Super Saver. Consumers who have considerable fuel expenses and wish to save on this spend, along with decent returns across other practical categories, can consider applying for this credit card.
Fuel Benefits
SBI BPCL Credit Card offers you accelerated savings on BPCL fuel purchases, as discussed below:
13X Rewards: 13 Reward points per Rs. 100 spent on fuel spends at BPCL petrol pumps, capped at 1,300 Reward points every month
1% Fuel Surcharge Waiver: On BPCL transactions worth up to Rs. 4,000, capped at Rs. 100 per month
Here, you can save 3.25% on BPCL fuel purchases via rewards, as 1 Reward point = Rs. 0.25, and 1% via surcharge waiver. This makes the total value-back of 4.25% on your co-branded fuel spends. So, if you spend Rs. 5,000 on fuel at BPCL fuel pump, you get 650 reward points, which are valued at Rs. 162.50. Along with this, you also save Rs. 50 as surcharge waiver.
Accumulated reward points can be redeemed against fuel purchase at over 1,200 BPCL fuel outlets. There is no minimum points threshold for reward redemption, which further adds to the benefit.
Other Features and Benefits
Apart from saving options on fuel, SBI BPCL credit cardholders can also avail the following benefits:
Rewards Benefits
- 5 Reward points per Rs. 100 spent on groceries, departmental stores, dining and movies, capped at 5,000 Reward points every month
- 1 Reward point per Rs. 100 spent on other retail purchases
Welcome Benefit
- 2,000 bonus Reward points worth Rs. 500 on payment of joining fee1
BPCL SBI Credit Card: Fees & Charges
| Particulars | Amount | ||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Joining/Annual Fee | Rs. 499 + Applicable Taxes | ||||||||||||||
| Finance Charges | 3.5% p.m. (42% p.a.) | ||||||||||||||
| Late Payment Charges |
|
Things to Know Before you apply
Get this card if:
You spend a considerable amount on fuel every month
You prefer to get BPCL fuel over others like HPCL and IOCL
You need a fuel card that also caters to other everyday needs
You do not want to pay a high annual fee
Other Similar Cards:
ICICI HPCL Super Saver Credit Card
IndianOil Axis Bank Credit Card
IndianOil HDFC Bank Credit Card
IDFC FIRST Power+ Credit Card
Paisabazaar Review
What do we like about this card?
With 4.25% savings on fuel and the option to redeem the accumulated rewards against BPCL fuel purchase, this SBI credit card is suitable for BPCL loyalists looking for a fuel card with low annual fee. Moreover, it also lets the cardholders save on daily spends like groceries and on lifestyle-related expenses made on dining and movies.
Pros
- Up to 4.25% value-back on BPCL fuel spends
- Accelerated rewards on groceries, departmental stores, movies & dining spends
Cons
- Low rewards redemption value
- Capping on accelerated rewards earning
Frequently Asked Questions
Everything you need to know about this credit card
You can apply for this credit card online via Paisabazaar by sharing your details in the application form or through the official website of SBI Card. However, if you want to apply offline, then you can visit any of the nearest branches of SBI Bank and contact an executive.
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.
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.
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.
BPCL SBI card does not offer any complimentary airport lounge access to the cardholders.
SBI BPCL credit card charges an annual fee of Rs. 499 + applicable taxes every year.
Yes, the primary BPCL SBI cardholders can get add-on cards for their family members, including their parents, spouse, siblings or children who are above the age of 18 years. SBI Card does not charge any annual fee for this add-on card facility.
The card provider assigns the credit limit to SBI BPCL credit card users based on the internal policies and this limit is communicated at the time of card delivery itself. Based on your usage, the available credit limit is also mentioned in every monthly card statement.
Footnotes
- Reward Points are going to be credited after 20 days of the joining fee payment
Click here to know More Terms and Conditions
Lepakshi Phogat
Lepakshi is a content writer specialising in personal finance and credit cards. She translates complex financial concepts into practical advice, helping readers make informed financial decisions. Whether it is helping them choose the right credit card or offering strategies to build their credit score, she writes to make personal finance less intimidating and more empowering.
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8 Comments
For example if I fill fuel for ₹500 in Bharat petroleum bunk using BPCL RUPAY SBI CREDIT CARD the cash back and reward points will be credited immediately to my credit card????
Reward points earned on BPCL fuel purchases are credited on the date of the transaction. Cardholders can view the reward points accrued for BPCL fuel spends on the same day those transactions are recorded in the SBI Card system. However, it’s important for card users to be aware that the accrual of points depends on a list of eligible merchant IDs, which is reviewed monthly.
We can fill fuels in all BHARAT PETROLEUM BUNK By using BPCL RUPAY SBI CREDIT CARD???
Yes, BPCL SBI credit cardholders can use their card to purchase BPCL fuel at all fuel outlets across India.
What is meant by Finance changes ,My friend has same credit card for annual taxes debited 45000 no other bank or finance sectors not charged like this .
Finance charges are only applicable, at monthly interest rate, if the cardholder has any unpaid EMI installments or has not paid the statement balance in full by the payment due date. It is also applicable on credit card cash withdrawals (i.e. cash advances) from the date of withdrawal until the cash amount with related charges is repaid in full.
What is total limit of this card
The credit limit of any credit card is not fixed or same for all, but rather is dependent on the cardholder’s credit score, credit history, income and other such details. The bank determines the credit limit for each customer individually depending on these factors and their own internal policies.