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BPCL SBI Card

Enjoy 4.25% Cashback on Fuel Spends at Bharat Petroleum pumps with this travel and fuel card, and earn 5X rewards on lifestyle purchases.

Joining Fee ₹499

Offers 4.25% Cashback on Fuel Spends

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Last updated on: Jul 27, 2026

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The BPCL SBI Card is a co-branded fuel credit card that combines fuel savings with everyday rewards. Designed for regular commuters and vehicle owners, this fuel card offers value back on fuel refills at Bharat Petroleum outlets along with rewards on lifestyle spends. Despite having an annual fee, the card can deliver ongoing value through fuel-related benefits, reward points, and fee waiver opportunities based on annual spending.

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 ₹1,00,000 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

BPCL SBI Card Benefits

The BPCL SBI Card offers fuel savings, reward points, and everyday spending benefits, making it suitable for regular fuel purchases as well as lifestyle spending.

Benefit Category	Details
Welcome Benefits	Get 2,000 reward points worth ₹500 on payment of the joining fee and card activation.
Value Back Benefits	Earn 3.25% + 1% value back on fuel refills at BPCL fuel stations in the form of reward points and surcharge waiver benefits, capped at 1,300 reward points per month.
Rewards Benefits	Earn 5X reward points on every ₹100 spent on dining, groceries, movies, and other eligible lifestyle categories, subject to applicable caps. Get 1 reward point per ₹100 spent on other eligible non-fuel purchases.
Fuel Surcharge Waiver	Enjoy a 1% fuel surcharge waiver on eligible fuel transactions at BPCL outlets, as per the card's terms and conditions.
Other Benefits (Shop and Smile Rewards)	Redeem accumulated reward points through the Shop and Smile Rewards Programme for vouchers, merchandise, travel benefits, and other available redemption options. You can also redeem reward points against fuel purchases at select BPCL outlets.
Add-on Card Facility	Get complimentary add-on cards for eligible family members aged 18 years and above.
Utility Bill Payments	Set up auto-debit instructions for utility bills such as electricity, water, and phone services to ensure timely payments.
Balance Transfer Facility	Transfer outstanding balances from credit cards issued by other banks and repay as per applicable terms.
EMI Conversion Facility	Convert eligible purchases of ₹2,500 or more into convenient EMIs.
Global Acceptance	Use the card at over 3.25 Lakh outlets in India and 2.4 Crore outlets worldwide.

BPCL SBI Card 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 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

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

If you regularly spend on petrol or diesel, this SBI fuel credit card can offer steady value over time. Referring to the above examples, here is an example of potential annual savings based on different monthly spends on the BPCL SBI Card:

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.

BPCL SBI Card Fees and Charges

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 ₹1,00,000 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 eligibility criteria and ensure you meet the same before applying for this SBI Credit Card. 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 for BPCL SBI Card

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

Document Type	Accepted Documents
Identity Proof	Aadhaar card, Passport, PAN card
Photographs	2–3 recent colour passport-sized photographs
Address Proof	Aadhaar card, Ration card, Utility bills (electricity, water, gas)
Income Proof (Self-Employed)	Income Tax Returns (ITR), Bank statements showing income
Income Proof (Salaried)	Form 16, Salary slips (last 2–3 months)

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How to Apply for a 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 Card Offer’ 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

BPCL SBI Card 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	❌	✅	❌	✅

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 processing time amongst other conditions.

Other SBI Credit Cards You May Like

SBI SimplySAVE Credit Card	SBI SimplyCLICK Credit Card	SBI PRIME Credit Card
SBI SimplyCLICK Credit Card	ICICI Coral RuPay Credit Card

Pradnya Ranpise

Financial Content Specialist

Reviewer

Saptarshi Ghosh

Frequently Asked Questions

Q: Can I withdraw money using my BPCL SBI Card?

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

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

Ans: With the BPCL SBI Card co-branded fuel and travel card, you can get 4.25% Cashback on Fuel Spends 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.

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

Ans: 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.

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

Ans: 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.

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

Ans: 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.

Q: Where can I apply for a BPCL SBI Card?

Ans: To get the BPCL SBI Card easily, apply online on Bajaj Markets. The process is easy, quick, and safe.

Q: What is the credit limit on BPCL SBI Card?

Ans: The credit limit on the BPCL SBI Card is not fixed. It depends on factors such as your monthly income, credit history, repayment behaviour, and CIBIL score.

If you have a higher income and a strong credit profile, you are more likely to receive a higher limit. The BPCL SBI Card maximum limit is determined individually by the bank after assessing your eligibility.

Over time, your limit may also be increased if you maintain a good repayment track record and use your card responsibly.

Q: What is the annual fee for BPCL SBI Card?

Ans: The BPCL SBI Card comes with an annual fee of ₹499 + GST. The annual fee is waived off if you spend ₹1,00,000 or more in the preceding year. This makes the card more cost-effective if you use it regularly, especially for fuel transactions.

Before applying, it is advisable to check the latest fee waiver conditions and benefits, as they may change over time.

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