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BPCL SBI Credit Card

★★★★★(4.3)

Are you tired of worrying about fuel expenses? You can now get the BPCL SBI Card! By paying a joining and annual fee of ₹499, you get 2,000 activation points, 13x Reward Points when you refuel at BPCL petrol pumps and a 1% fuel surcharge waiver. But that's not all, you also get 5x Reward Points for every ₹100 spent at grocery stores, departmental stores, movies & dining, and 1 Reward Point for every ₹100 spent on non-fuel retail purchases. Keep reading to learn more!

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BPCL SBI Credit CardFromSBI Bank
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Features and Benefits

Aspects that make spending using this card lit as the sun!

✔Welcome Bonus
✘Travel
✔Fuel
✔Rewards
✘Shopping
✘Cashback
✘Dining
✘Insurance
✘Interest
Welcome Bonus
Welcome Bonus
  • Note: Reward Points will be credited after 20 days of the payment of the joining fee.
  • 2,000 Activation Bonus Reward Points worth ₹500.
  • Amazon voucher worth ₹250 on applying online.
Reward Points
Reward Points
  • 5X Reward points on every ₹100 spent at special categories.
  • 1 Reward Point on ₹100 spent on non-fuel retail purchases.
  • Note: Special Categories include Dining, Movies, Groceries & Departmental Stores.
  • Reward Rate: 0.25% to 3.25%
Fuel Surcharge
Fuel Surcharge
  • Note: Maximum waiver up to ₹100 per statement cycle.
  • Earn 13 reward points on every ₹100 spent at BPCL outlets.
  • 1% fuel surcharge waiver on transactions up to ₹4,000.
EMI Benefit
EMI Benefit
  • Converts all purchases of more than ₹2,500 into Easy EMI via Flexipay.
Other Benefit
Other Benefit
  • Complimentary add-on credit card.
  • Doorstep delivery of cheque & draft.
  • Worldwide acceptance at any outlet that accepts Visa/Mastercard.
  • Lower Rate of interest on transferring the outstanding balance of other banks to this card.
Fee and Charges

Think of these as small investments to keep your credit card running smoothly.

Charges

Joining Fee

₹499

Annual Fee

₹499

Annual Percentage Rate

42%

Add-on Card Fee

Nil

Minimum Repayment Amount

5%

Cash Withdrawal Fee

2.50%

Cash Advance Limit

80%

Card Replacement Fee

₹100

Foreign Transaction Fee

3.50%

Over Limit Penalty

2.50%

Fuel Transaction Surcharge

1%

Reward Point Value

₹0.25

Balance from ₹0 to ₹500

₹0

Balance from ₹500 to ₹1000

₹400

Balance from ₹1000 to ₹10000

₹750

Balance from ₹10000 to ₹25000

₹950

Balance from ₹25000 to ₹50000

₹1100

Balance more than ₹50000

₹1300
Pros

Aspects that make this credit card amazing.

  1. ⮚The card comes with a 1% Fuel Surcharge Waiver.
  2. ⮚It offers a complimentary add-on card.
  3. ⮚Reward points on all transactions.
  4. ⮚It allows users to convert big spends into EMI.
  5. ⮚No upper cap on redemption of reward points.
Cons

Aspects this credit card lacks.

  1. ⮚No access to airport lounges.
  2. ⮚24/7 concierge service is not available.

BPCL SBI Credit Card Review

This is the truth, the whole truth, and nothing but the truth; brought to you by the other users.

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 ₹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 up 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.

Overview

Best forTravel & Fuel
Joining Fee₹499 + Applicable Taxes
Annual Fee₹499 + Applicable Taxes
Welcome Benefits2,000 Bonus Points
Card NetworkVisa & Rupay

BPCL SBI Credit Card Maximum Cashback

CategoriesReward Points
Groceries, Departmental Stores, Movies & Dining5x points (max 5,000 per month)
Other Categories1

Who should get an BPCL SBI Credit Card?

The BPCL SBI Credit Card is best suited for individuals who frequently spend a substantial amount on fuel and travel and want rewards and other lifestyle benefits on their spending on movies, dining, groceries, and departmental stores.

In a nutshell, the BPCL SBI Credit Card is an entry-level credit card that comes with exclusive benefits and charges a nominal joining & annual fee.

How to Apply for an BPCL SBI Credit Card?

1. Apply for an BPCL SBI Credit Card Online

  • The BPCL SBI Credit Card can be applied online as well as offline. To apply offline, visit the nearest branch with all the required documents and fill in the physical application form. In case of an online method, follow a few easy steps as mentioned below:
  • Step 1: Visit the SBI Card Website and click on “Credit Card”.
  • Step 2: Under the “Travel & Fuel” category, BPCL Credit Card will be listed.
  • Step 3: Click on “Apply Now” and start the application process.
  • Step 4: Fill in all the required details and upload all the necessary documents to complete the process.

BPCL SBI Credit Card Eligibility

Applicants must be at least 18 years of age and have a steady source of income to be eligible for a credit card.

    Documents Required

    • Proof of identity: Proof of identity: PAN Card, Aadhaar card, Driver’s License, Passport, Voter’s ID, Overseas Citizen of India Card, Person of Indian Origin Card, Job card issued by NREGA, Letters issued by the UIDAI or any other government-approved photo ID proof.
    • Proof of Address: Proof of Address: Aadhaar card, Driver’s License, Passport, Utility Bill not more than 3 months old, Ration Card, Property Registration Document, Person of Indian Origin Card, Job card issued by NREGA, Bank Account Statement, or any other government-approved address proof.
    • Proof of Income: Proof of Income: Latest one or two salary slips (not more than 3 months old), latest Form 16, and the last 3 months’ bank statement.