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    BPCL SBI Card

    cat name Co-branded
    cat name Fuel
    3.5/5.0

    Lifestyle Benefits3.0/5

    Co-branded Benefits3.5/5

    Know More
    Paisabazaar Review

    1st Year Fee: ₹499* Plus Applicable Taxes

    Fuel

    Fuel

    Up to 4.25% value-back on fuel spends

    Co-branded

    Co-branded

    Accelerated savings on BPCL fuel

    Rewards

    Rewards

    Up to 13X rewards on card spends

    Updated on November 22, 2024 4:26 pm

    Author: Lepakshi Phogat

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    About The CardFuel SavingsBenefits & PrivilegesSavings CalculatorFees & ChargesThings to KnowCard ReviewFAQs

    About BPCL SBI Credit Card

    BPCL SBI Card is a co-branded fuel credit card that offers up to 4.25% value-back to consumers in the form of accelerated reward points and fuel surcharge waiver at BPCL petrol pumps. Accumulated reward points can be instantly redeemed at over 1,200 partner BPCL outlets. Interestingly, despite being a fuel card, it does not limit the benefit to fuel category only, as you get accelerated rewards on other spending categories like grocery, dining and movies.

    With a low annual fee of Rs. 499 only, BPCL SBI Card competes with other entry-level fuel cards like IndianOil HDFC, IndianOil Axis and ICICI HPCL Super Saver. Consumers who have considerable fuel expenses and wish to save on this spend, along with decent returns across other practical categories, can consider applying for this credit card.

    Fuel Benefits

    This card offers you accelerated savings on BPCL fuel purchases, as discussed below:

    13X Rewards: 13 Reward points per Rs. 100 spent on fuel spends at BPCL petrol pumps, capped at 1,300 Reward points every month

    1% Fuel Surcharge Waiver: On BPCL transactions worth up to Rs. 4,000, capped at Rs. 100 per month

    Here, you can save 3.25% on BPCL fuel purchases via rewards, as 1 Reward point = Rs. 0.25, and 1% via surcharge waiver. This makes the total value-back of 4.25% on your co-branded fuel spends. So, if you spend Rs. 5,000 on fuel at BPCL fuel pump, you get 650 reward points, which are valued at Rs. 162.50. Along with this, you also save Rs. 50 as surcharge waiver.

    Accumulated reward points can be redeemed against fuel purchase at over 1,200 BPCL fuel outlets. There is no minimum points threshold for reward redemption, which further adds to the benefit.

    Image of BPCL SBI Card
    Image of BPCL SBI Card

    Other Features and Benefits

    Apart from saving options on BPCL fuel, cardholders can also avail the following benefits:

    Rewards Benefits

    • 5 Reward points per Rs. 100 spent on groceries, departmental stores, dining and movies, capped at 5,000 Reward points every month
    • 1 Reward point per Rs. 100 spent on other retail purchases

    Welcome Benefit

    • 2,000 bonus Reward points worth Rs. 500 on payment of joining fee<sup>1</sup>

    Savings Calculator

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    ₹499 Plus Applicable Taxes

    Waived off on annual spends of Rs. 50,000

    ₹499 Plus Applicable Taxes

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    BPCL SBI Credit Card: Fees & Charges

    Particulars Amount
    Joining/Annual Fee Rs. 499
    Finance Charges 3.5% p.m. (42% p.a.)
    Late Payment Charges
    For Statement Balance of:
    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
    Above Rs. 50,000 Rs. 1,300

    Things to Know Before you apply

    Get this card if:

    You spend a considerable amount on fuel every month

    You prefer to get BPCL fuel over others like HPCL and IOCL

    You need a fuel card that also caters to other everyday needs

    You do not want to pay a high annual fee

    Other Similar Cards:

    ICICI HPCL Super Saver Credit Card

    IndianOil Axis Bank Credit Card

    IndianOil HDFC Bank Credit Card

    IDFC FIRST Power+ Credit Card

    Paisabazaar Review

    Overall Rating

    3.5/5

    Lifestyle Benefits3.0/5

    Co-branded Benefits3.5/5

    What do we like about this card?

    With 4.25% savings on fuel and the option to redeem the accumulated rewards against BPCL fuel purchase, this SBI credit card is suitable for BPCL loyalists looking for a fuel card with low annual fee. Moreover, it also lets the cardholders save on daily spends like groceries and on lifestyle-related expenses made on dining and movies.

    Pros

    • Up to 4.25% value-back on BPCL fuel spends
    • Accelerated rewards on groceries, departmental stores, movies & dining spends

    Cons

    • Low rewards redemption value
    • Capping on accelerated rewards earning

    Frequently Asked Questions

    Everything you need to know about this credit card

    You can apply for this credit card online via Paisabazaar by sharing your details in the application form or through the official website of SBI Card. However, if you want to apply offline, then you can visit any of the nearest branches of SBI Bank and contact an executive.

    You can avail a fuel surcharge waiver of 1% of your transactions of up to Rs. 4,000 at any BPCL petrol pumps across India. However, you can avail a maximum waiver of Rs. 100 in a billing cycle, which is equivalent to an annual savings of Rs. 1,200.

    Usually, the bank informs you about the updated application status via SMS on your registered mobile number. However, you can also track your application status through the official website of SBI Card by entering your application number. Besides this, you can also call on the SBI Credit Card customer care number and ask the representative about the application status.

    Yes, BPCL SBI Card offers a ‘Balance Transfer’ facility through which you can transfer your outstanding balance from any other bank’s credit card to your SBI Card. For this, you can contact the bank and ask the representative about your query.

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    Footnotes

    1. Reward Points are going to be credited after 20 days of the joining fee payment

    Click here to know More Terms and Conditions

    Lepakshi Phogat linkedIn icon

    Content Writer

    Lepakshi is a content writer specialising in personal finance and credit cards. She translates complex financial concepts into practical advice, helping readers make informed financial decisions. Whether it is helping them choose the right credit card or offering strategies to build their credit score, she writes to make personal finance less intimidating and more empowering.

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