SBI BPCL Credit Card - Check Benefits & Apply Now!

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Key Highlights of the BPCL SBI Card

Here is a glimpse of the credit card details:

Joining Fee	₹499
Annual Fee	₹499 (Waived off on spending ₹50,000 or more in the preceding year)
Suitable for	Savings on fuel spends
Key Feature	Value back on fuel refills at BPCL pumps
Activation Bonus	Earn 2,000 reward points after paying joining fee

Features & Benefits of BPCL SBI Card

This card allows you to save on fuel expenses while helping you earn reward points as you shop. Keep the following in mind to get the most out of this SBI Credit Card.

Value Back on Fuel

Get 3.25% + 1% value back in the form of up to 1,300 reward points a month on fuel refills at BPCL pumps

Activation Bonus

Get 2,000 reward points worth ₹500 when you pay the joining fee and activate the card

Instant Redemption at BPCL Pumps

You can redeem reward points against fuel purchases at select BPCL pumps

5X Rewards on Lifestyle Bills

Earn up to 5,000 boosted reward points a month on every ₹100 spent on dining, groceries, movies, and more

Guaranteed Rewards

Get 1 reward point on every ₹100 spent on other non-fuel purchases

Universal Acceptance

Use your card seamlessly at over 3.25 lakh outlets in India and 2.4 crore outlets globally

Family Privileges

Get your parent, spouse, sibling, or child above 18 years of age an add-on card at no extra charge

Monthly Utility Payments

Pay your electricity, water, and phone bills without missing monthly due dates by setting up auto-debit

Other Card Balance Transfers

Pay credit card bills of other issuers by transferring balances to this card at lower interest rates

Flexible EMI Conversion

Enjoy the flexibility of converting purchases of ₹2,500 or more into EMIs

BPCL SBI Card’s Rewards Program

SBI Card’s expansive rewards program enables you to redeem your points across diverse categories. To know the number and validity of points you have earned using your BPCL SBI Card, apply any of these methods:

Use SMS banking
Log in to net banking
Check your latest credit card statement
Log in to SBI Card’s chatbot ILA

Here is how the rewards program works for the BPCL SBI Credit Card:

A. Reward Points

You get 4.25% (3.25% + 1%) value back via 13X reward points and a surcharge waiver on fuel refills at BPCL pumps

This is capped at 1,300 reward points a month for purchases of up to ₹10,000

Here is an example of the perks you get on fuel purchases from BPCL fuel stations:

Purchase (Monthly)	Amount	Reward Points	Savings
Fuel Bill + 1% Surcharge Waiver	₹3,000	390	₹30

Disclaimer: The above example is for illustration purposes only.

You earn 5X reward points on every ₹100 you spend on dining, groceries, department store shopping, and movies, capped at 5,000 points in a month

Here is an example:

Purchase (Monthly)	Amount	Reward Points
Dining Out	₹10,000	500
Groceries	₹5,000	250
Movies	₹1,000	50

Disclaimer: The above example is for illustration purposes only.

You get 1 reward point on every ₹100 spent on other retail purchases, except fuel refills

Here is an example:

Purchase (Monthly)	Amount	Reward Points
Gym Membership	₹2,000	20
Online Shopping	₹2,500	25

Disclaimer: The above example is for illustration purposes only.

B. Redemption Process

The next step involves redeeming your reward points by logging in to your credit card account. You can do so via net banking or through the YONO mobile app. You can redeem your points against a range of products and brands. Travel packages, shopping vouchers, and memberships are also available to you to choose from.

There is no minimum number of reward points needed for redemption. A reward redemption fee of ₹99 is applicable on select items such as physically sent vouchers and statement credit.

C. Expiration

All the reward points you earn will expire in 24 months after you earn them, unless specified otherwise.

D: Example of Savings

Referring to the above examples, here is a look at what your annual expenses and savings will look like:

Category	Details	Conversion	Cash Value (₹)
Fuel Bill + 1% Surcharge Waiver	Accelerated Category Spends (13X) + 1% Surcharge Waiver Assuming spends 36,000 pa/ 3,000 p.m.	Reward Points = 4,680 13X(36,000/100) + 3,000 x 1% x 12 =	1,170 360
Dining Out	Accelerated Category Spends (5X) Assuming spends 1,20,000 pa/ 10,000 p.m.	Reward Points = 6,000 5X(1,20,000/100)	1,500
Groceries	Accelerated Category Spends (5X) Assuming spends 60,000 pa/ 5,000 p.m.	Reward Points = 3,000 5X(60,000/100)	750
Movies	Accelerated Category Spends (5X) Assuming spends 12,000 pa/ 1,000 p.m.	Reward Points = 600 5X(12,000/100)	150
Offline Gym Membership	Normal Category Spends Assuming spends 24,000 pa/ 2,000 p.m.	Reward Points = 240 (24,000/100)	60
Shopping	Normal Category Spends Assuming spends 30,000 pa/ 2,500 p.m.	Reward Points = 300 (30,000/100)	75
Total Annual Savings		14,820	4,065

Disclaimer: The above example is for illustration purposes only. The actual rewards and savings may vary based on the policies of the issuer. Please check with the card issuer before applying.

Assuming the price of fuel to be ₹100 per litre, you could benefit from annual savings worth nearly 41 litres of fuel.

For the reward points you have earned, you have two options:

1Redeem 14,820 points via the 'Shop n Smile' rewards portal, choosing from various brands such as Wildcraft, Bosch, Prestige, Bata, and Puma.
Convert your reward points into cash by contacting SBI Card. Since 4 reward points = ₹1, the cash value of 14,820 rewards = ₹3,705.

Fees and Charges Associated with the BPCL SBI Card

These are the fees and chargers you need to be familiar with before applying for this credit card:

Fee Type	Details
Joining Fee	₹499
Annual Fee	₹499 (Waived off on spending ₹50,000 or more in the preceding year)
Reward Redemption Fee	₹99
Cash Advance Fee	2.50% of the withdrawn amount or ₹500, whichever is higher
Interest Charges	Up to 3.50% per month
Minimum Amount Due	5% as per this calculation: Total GST + EMI amount + 100% of Fees/Charges + 5% of [Finance charge (if any) + Retail Spends and Cash Advance (if any)] + Overlimit Amount (if any)
Late Payment Fee	Up to ₹1,300 based on the overdue balance
Foreign Transaction Fee	3.50% of the transaction amount

Note: A Goods & Services Tax (GST) of 18% is applicable on the above-mentioned charges.

Disclaimer: These fees and charges are also subject to change at the discretion of the issuer. Before applying, check the issuer’s Most Important Terms and Conditions (MITC) document to verify.

BPCL SBI Card’s Eligibility Criteria

Verify the BPCL SBI Card credit card eligibility terms and ensure you meet them before applying. To qualify, you need to be:

Between 21 and 70 years old
Creditworthy with a good credit score
Salaried or self-employed with a stable income source

Documents Required

Here is a list of general documents you will need to ensure a quick application process:

Identity Proof
- Aadhaar card
- 2-3 colour photos
- Passport
- PAN card
Address Proof
- Ration card
- Utility bills
Income Proof
- Self-employed: Income Tax Returns (ITR), bank statements showing income
- Salaried: Form 16, salary slips (past 2-3 months)

How to Apply for BPCL SBI Card

To get the BPCL SBI Card, apply online on Bajaj Markets. To know how to apply, read the steps outlined below:

Click on ‘Check Eligibility’ and enter details, including your occupation, mobile number, and birth date
Add the One-Time Password (OTP) sent to your number
Check the pre-populated details like your PAN, PIN code, email address, and income information
Apply for the card that suits your needs from the available options
Click on ‘Submit’ and complete your application

Customer Care

If you have any questions, reach out to SBI Card’s customer service executives via phone or email:

Call 1860 180 1290, 1860 500 1290, or 39 02 02 02 (Prefix local STD code)
Email customercare@sbicard.com

BPCL SBI Card vs Others

Before deciding on the BPCL SBI Card, take a look at other options from SBI Card:

Card Name	Cashback	Complimentary Airport Lounge Access	Fuel Surcharge Waiver	10X Reward Points
BPCL SBI Card	✅	❌	✅	❌
BPCL SBI Card OCTANE	✅	✅	✅	✅
SBI PULSE Card	❌	✅	✅	✅
Max SBI Card SELECT	✅	❌	✅	✅
SimplySAVE SBI Card	✅	✅	✅	✅
IRCTC SBI RuPay Card	✅	❌	✅	❌
SBI Card ELITE	❌	✅	✅	❌
SimplyCLICK SBI Card	❌	❌	✅	✅
SBI Card PRIME	❌	✅	❌	✅
SBI Lifestyle Home Centre Credit Card	✅	❌	✅	✅

Disclaimer: The benefits mentioned are subject to change as per the policies of SBI Card. Check them before you apply for a specific card.

Disclaimer

Reference of all T&C necessarily refers to the terms of the Partners as regards to pre-approved offers and loan processing time amongst other conditions.

Can I withdraw money using my BPCL SBI Card?

Yes, you can withdraw cash from over 10 lakh VISA and RuPay ATMs all over the world using your BPCL SBI Card.

What is the BPCL cashback offer on the BPCL SBI Card?

With the BPCL SBI Card co-branded fuel and travel card, you can get 4.25% value back on fuel refills from BPCL outlets. This allows you to save on every fuel purchase from BPCL pumps. You can earn only up to 1,300 accelerated fuel rewards in a month.

Do I get rewards on cooking gas orders with the BPCL SBI Card?

No, there are no benefits on gas orders placed using the BPCL SBI Card. However, you can get benefits on Bharat Gas orders with the BPCL SBI Card Octone.

Is the BPCL SBI Card good?

If you are looking for a fuel card to save on fuel expenses, the BPCL SBI Card could be a rewarding option. It offers 13X rewards on fuel refills and bonus welcome rewards, which you can instantly redeem at BPCL pumps.

How can I use my BPCL SBI Card points at the petrol station?

You can redeem your reward points in exchange for petrol at over 1,200 select BPCL outlets in India. You can also redeem via BPCL fuel vouchers which have a 6-month validity.

Can I transfer my outstanding debt from another credit card to the BPCL SBI Card?

Yes, this is called a 'Balance Transfer'. It allows you to transfer your outstanding balance of credit cards from other issuers to your BPCL SBI Card.