SBI BPCL Credit Card

Joining Benefits | Fuel Waiver | Balance Transfer on EMIs

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The BPCL SBI Card is a co-branded credit card that has been issued by a collaboration between Bharat Petroleum Corporation Limited (BPCL) and the State Bank of India. It offers a wide range of benefits and rewards that help you save on your fuel purchases. You get valueback benefits on fuel refills at BPCL petrol stations, fuel surcharge waiver, welcome gifts and more.

Features & Benefits of BPCL SBI Card

1. Limited Period Offer

On applying for the BPCL SBI Card online, you will receive an Amazon voucher worth ₹250.

2. Welcome Gifts

Once you pay the joining fee, you will receive 2,000 Activation Bonus Reward Points worth ₹500. These Reward Points will be credited to your account after 20 days of making the payment. You can redeem them instantly against fuel refills at BPCL petrol pumps or products/services from the Shop n Smile rewards catalogue.

3. Fuel Freedom Benefits

This SBI credit card offers 4.25% Valueback in the form of 13X Reward Points at BPCL petrol stations anywhere in India. This corresponds to 1,300 Reward Points per billing cycle and equals 3.25% + 1% fuel surcharge waiver on each transaction up to ₹4,000. This is exclusive of GST and other charges. The surcharge waiver is limited to ₹100 per billing cycle, which corresponds to annual savings of ₹1,200.

4. Reward Benefits

You can get 5X Reward Points on every ₹100 you spend at departmental stores and movies, or for groceries and dining expenses. This is limited to 5,000 Reward Points per month. On all non-fuel retail purchases, you earn 1 Reward Point for every ₹100 you spend.

5. Worldwide Acceptance

The BPCL SBI Card enjoys global acceptance and can be used at more than 24 million outlets globally, including 3,25,000 outlets within the country.

6. Flexipay Facility

With this SBI credit card, you can make any high-value purchase over ₹2,500 and convert your transaction into monthly instalments within 30 days of purchase.

7. Easy Utility Bill Payments

Thanks to the Easy Bill Pay facility, you can seamlessly pay your mobile, electricity, and other utility bills using the BPCL SBI Card.

8. Balance Transfer on EMIs

You can transfer the outstanding balance of your current credit card from a different bank to the BPCL SBI Card and enjoy nominal interest. Furthermore, you can pay back the amount in easy EMIs.

BPCL SBI Card Eligibility Criteria and Documents Required

You must fulfil the basic eligibility criteria before applying for the credit card. These criteria include

Age: You must be between the ages of 18 and 60 years.
Employment Status: You must be gainfully employed or self-employed.
Other Factors: You must have a good credit score (preferably over 750) and a regular income source.

You are also required to submit the following documents during the application process.

Identity Proof: You must submit a copy of your PAN Card, Aadhaar Card, Driving License, Voter ID, Passport, etc., as your ID proof.
Address Proof: You can submit a copy of your Aadhaar Card, Driving License, Passport, recent Utility Bills (not older than 3 months), Ration Card, etc., as your address proof.
Income Proof: You must furnish your most recent salary slips, latest Form 16, or bank statement of the previous three months as your income proof.

How to Apply for the BPCL SBI Card

Step 1: Visit the Bajaj Markets website and click ‘Apply Now’.
Step 2: Fill out the application form.
Step 3: Select the BPCL SBI Card from the list of SBI credit cards.
Step 4: Upload the required documents and submit your application.

Your application will be reviewed and processed by the bank, and if everything is in order, you will receive your new credit card.

BPCL SBI Card Customer Care Number

You can reach out to the SBI Credit Card Customer Care team on their helpline number – 1860 180 1290 or 39 02 02 02.

Alternatively, you can get your queries resolved along with the necessary assistance by reaching out to the BPCL SBI card customer care through SMS. Using your registered mobile number, you can type in your query as per the required format and send the SMS to 5676791.

You can also reach out to the SBI credit card customer care executives via email. The official SBI credit card email ID is customercare@sbicard.com.

Fees and Charges of BPCL SBI Card

You must be aware of the fees and charges associated with the BPCL SBI Card before applying for the credit card. This will help you understand the annual charges and penalties related to card use.

Type of Fees	Amount
Joining Fee (one-time)	₹499 + GST
Renewal Fee (Yearly)	₹499 + GST (renewal fee is reversible if your annual spends exceed ₹50,000 for the previous year)
Add-on Card Fee	Nil
Minimum Amount Due	5% of total outstanding balance (minimum of ₹200 + applicable taxes)
Cash Advance Limit	Maximum of 80%, capped at ₹12,000
Interest Free Credit	You can enjoy an interest-free credit period of 20-50 days. However, this only applies to retail purchases and the previous month's outstanding amount must be cleared.
Free Credit Period	Nil
Finance Charges	3.5% per month (42% per annum)
Cash Advance Fee	2.5% of the withdrawn amount or ₹500, whichever is higher per month (30% p.a. on all transactions)
Late Payment	Up to ₹500: 0
	From ₹500 up to ₹1,000 - ₹400
	From ₹1,000 up to ₹10,000 - ₹750
	From ₹10,000 up to ₹25,000 - ₹950
	From ₹25,000 up to ₹50,000 - ₹1,100
	More than ₹50,000 - ₹1,300
Foreign Currency Transaction Fee	3.5% of the total transaction value
Card Replacement	₹100
Statement Retrieval	₹100 per statement
Emergency Card Replacement When Overseas	Actual fee + $175
Cash Payment Fee	₹199
Overlimit Fee	2.5% of the overlimit amount or ₹500, whichever is higher
Cheque Pick Up	₹100
Reward Redemption Fee	₹99
Payment Dishonour Fee	2% of the amount or ₹500, whichever is higher
Railway Ticket Surcharge	₹30 + 2.5% of the total transaction value at the counter 1.8% of total transaction value + applicable service charge while booking online (IRCTC website)

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What are the documents acceptable for BPCL SBI Card?

The documents that are acceptable for the BPCL SBI Card are documentation for identity and residence proof such as Aadhaar/PAN Cards, driving licence, voter’s ID and passport. Other documentation includes proof of income, like salary slips, Income Tax Returns, or Form 16.

What is the BPCL SBI Card credit limit?

The BPCL SBI Card has no fixed credit limit, as this is decided by the card issuer and is dependent on a cardholder’s creditworthiness.

What is the BPCL SBI Card?

This is a fuel credit card, launched in collaboration with Bharat Petroleum. The card gives users huge discounts and offers on fuel expenses, providing secure and contactless payment.

What are the value back benefits of the BPCL SBI Card?

On this card, users get value back benefits amounting to 4.25% (13 x reward points) when fuel expenses are made at BPCL fuel stations. For each billing cycle, users can earn up to 1300 reward points. Furthermore, users can enjoy a fuel surcharge waiver of 3.25% plus 1% on every transaction up to ₹4,000 at fuel stations.

Is BPCL SBI Card a good card?

The BPCL SBI Card is ideal for those who prefer BPCL for their fuel requirements. Since it charges a very minimal annual payment of ₹499, which is low compared to the value-back you get on your fuel charges and do not expect a lot of rewards across other shopping categories.

What are the fees and charges on the BPCL SBI Card?

The BPCL SBI Card comes with a joining fee and a renewal fee of ₹499 each. Late payment charges can go up to ₹1,300 depending on the amount outstanding. Other fees and charges on the BPCL SBI Card include cash advance fees of 2.5% or ₹500 (whichever is higher), cash payment fees, overlimit fees, payment dishonour fees and card replacement fees, among others.

What are the pros and cons of the BPCL SBI Card?

The BPCL SBI Card comes with many advantages. You get 2,000 reward points on activation, a welcome gift of ₹500, worldwide acceptance, add-on cards and balance transfer on EMI. On the downside, the credit card comes with various fees and charges like overlimit fees, payment dishonour fees, late payment fees and card replacement fees, among others. However, many of these costs can be easily avoided.

Why should you apply for the BPCL SBI Card?

The benefits of the BPCL SBI Card include valueback benefits on purchases at BPCL petrol stations, reward points on spends at grocery and departmental stores, contactless and secure payments, easy utility bill payments and more. For these reasons, you can benefit by applying for the BPCL SBI Card.

What is the interest rate on the BPCL SBI Card?

The interest rate on SBI Credit Cards can go up to 3.50% per month or 42% per annum. You can contact the bank to know the exact rate of interest on your BPCL SBI Card.

What are the approximate annual savings in fuel through the BPCL SBI Card?

The BPCL SBI Card gives cardholders fuel surcharge waiver up to ₹100 per billing cycle. This amounts to annual savings of up to ₹1,200.

What is the overlimit fee for BPCL SBI Card?

The overlimit fee on the BPCL SBI Card is levied if you exceed the credit limit on your card and make purchases beyond this limit. This fee is levied at 2.5% of the overlimit amount or ₹600, whichever is higher.