BPCL SBI 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. Know more about BPCL SBI Credit Card below.
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Key Highlights of SBI BPCL Credit Card | |
| Card Type | Entry-Level |
| Best Suited For | Fuel |
| Annual Fee | Rs. 499 |
| Renewal Fee | Rs. 499 |
| Minimum Income Required | Rs. 30,000 per month |
| Welcome Benefit | 2,000 activation bonus rewards points worth Rs. 500 |
| Best Feature | 13X reward points on fuel purchase at BPCL Petrol Pumps |
| Paisabazaar Rating | ★★★(3/5) |
| On this page |
| 4 reward points = Rs. 1 | 1 reward point = Rs. 0.25 |
You get 2000 bonus reward points worth Rs. 500 on payment of joining fee. These reward points are credited within 20 days of the payment of joining fee. The reward points can be redeemed instantly against fuel purchase at BPCL.
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| Fee | Amount |
| Annual Fee | Rs. 499 |
| Renewal Fee | Rs. 499 |
| Extended Credit Charges | Up to 3.50% per month, accounting to 42% per annum, from the date of transaction |
| Late Payment Fee | For Statement Balance Less than Rs. 500 – Nil Rs. 500 up to Rs. 1,000 – Rs. 400 Rs. 1,000 up to Rs. 10,000 – Rs. 750 Rs. 10,000 up to Rs. 25,000 – Rs. 950 Rs. 25,000 up to Rs. 50,000 – Rs. 1,100 Amount over Rs. 50,000 – Rs. 1,300 |
Click here to check other associated fees and charges.
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:
| Criteria | Details |
| Age | 18-60 years |
| Occupation | Available to both Salaried and Self-employed |
| Minimum Income Required | Rs. 30,000 p.m. |
| Serviceable Cities | Click here for the list of eligible cities |
| Documents Required | Click here for the list of acceptable documents |
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. Your annual fee can be reversed if you can spend Rs. 50,000 annually. You also get 5X rewards on select purchases like groceries and dining. You must put these expenses on the card in order to accumulate more points and later redeem them for fuel. However, on non-fuel retail spends, you get 0.25% value-back which is a below-average reward rate.
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, like the Standard Chartered Super Value Titanium Card. Other popular fuel cards in India include Citi IndianOil Card, SBI BPCL Octane Card, HDFC Bharat Credit Card, and ICICI HPCL Platinum Credit Card. If you think this card is a good option for you, click here to apply. You can also check other Best SBI Credit Cards in 2022 at Paisabazaar and choose a card that best fits your need.
| Pros | Cons |
| Annual savings of up to 70 litres of petrol | Fuel benefits limited to BPCL pumps only |
| 13x reward points on fuel purchases at BPCL | Fuel surcharge waiver capped at Rs.100 per month |
| Low annual fee of Rs.499 | Low reward rate on other retail spends |
| Multi-faceted reward points across dining, movies, groceries, and departmental stores | – |
| Fuel Credit Card | Annual Fee | Comparative Features |
| SBI BPCL Octane Credit Card | Rs. 1,499 | 6.25% + 1% Fuel surcharge waiver | 25X Reward Points on fuel purchases at BPCL petrol pumps |
| Indian Oil Citi Credit Card | Rs. 1,000 | 2.5% fuel surcharge waiver at all Indian Oil Outlets Up to 4 Turbo Points on every spend of Rs. 150 |
| Standard Chartered Super Value Titanium Card | Rs. 750 | 5% cashback on spends at all petrol pumps |
| IndianOil HDFC Bank Credit Card | Rs. 500 | Get 5% of your spends as Fuel Points at IndianOil Fuel outlets |
| HDFC Bharat Card | Rs. 500 | 5% Cashback on IRCTC rail ticket booking, fuel, groceries, bill payment, mobile recharges, payments made through PayZapp |
| SimplySave SBI Card | Rs. 499 | Fuel surcharge waiver |
Related Article: Best Fuel Credit Cards in India 2022
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How to redeem SBI BPCL Credit Card points at the petrol pump?
You can redeem your reward points instantly for free fuel at select 1200 authorized BPCL retail outlets across the country or through BPCL fuel vouchers. The vouchers are valid for 6 months from the date of issue. Partial Redemption is not allowed.
How to check the BPCL SBI Card application status?
To track your BPCL SBI credit card application status, you can go to the “SBI Track Your Application” page and enter the application/reference number.
Is the BPCL SBI Card accepted internationally?
BPCL SBI Card is accepted at over 24 million Visa outlets worldwide.
Do I get a fuel surcharge waiver with SBI BPCL Credit Card?
Yes, SBI BPCL Credit Card gives 1% fuel surcharge waiver on every transaction, at any BPCL petrol pump across the country. Maximum surcharge waiver of Rs. 100 in a statement cycle, which is equivalent to an Annual Saving of Rs. 1200.
What is the cash advance limit for BPCL SBI Card?
The cash advance limit for SBI BPCL Credit Card is up to 80% of the credit limit, maximum Rs.12,000 per day.
Can I transfer my outstanding balance from any other bank’s credit card to SBI BPCL Card?
Yes, BPCL SBI Card offers ‘Balance Transfer’ facility via which you can transfer your outstanding balance from any other bank’s credit card to your SBI Card.
I have been using SBI Credit Card since 2019. I like the shopping and travel benefits a lot, but the rewards rate is unsatisfactory. With a high annual fee, it is expected that the credit card will offer decent rewards. The customer care service is also very good. Overall, it is good.
No extra rewards or benefits. Only basic features. Could have been better.
SBI Simply Click is a good card for online shopping. I get a lot of rewards. Recommended!
Wonderful credit card for travellers. Free membership helps a lot. Fee is high.
I got this card when I had to travel a lot for work every month and it gave me good benefits. But the annual fee is high; it would have been better if I could get similar features for a lower fee. Other features are also good.
This is a great card for me as I shop at Big Bazaar and FBB frequently. The annual fee is also very less. I recommend this for regular shoppers.
