BPCL SBI Credit Card
Last Updated : July 5, 2025, 3:51 p.m.
Looking for a credit card that saves you money on fuel while rewarding your daily expenses? Then go in for the BPCL SBI Card. This is a co-branded offering from SBI and Bharat Petroleum. It is curated especially for frequent BPCL users and SBI customers. With up to 4.25% value-back on fuel, accelerated rewards on groceries, dining, and movies, and a low annual fee, it’s a top choice among fuel credit cards in India . In this guide, we’ll explore its features, benefits, fees, eligibility, and how it compares to competitors like the IndianOil Axis Bank Card and ICICI HPCL Super Saver.
Why Choose the BPCL SBI Card?
- Combination of benefits: The BPCL SBI Card stands out for its combination of high fuel rewards, low fees, and flexible redemption options.
- Low milestone targets for annual spends: Unlike many fuel cards that require high annual spends to waive fees (For instance: Rs. 3.5 lakhs for the IndianOil Axis or Rs. 1.5 lakhs for the ICICI HPCL credit card), this card offers an annual fee waiver with just ₹50,000 in yearly spends
- Instant rewards redemption: You can instantly redeem the reward points at selected 1200 BPCL petrol pumps.
- No minimum threshold for redemption: There is no minimum threshold value for reward points redemption
- Whether you’re refueling or shopping for groceries, this card delivers value for everyday spending.
BPCL SBI Credit Card Features, Benefits 2025
Fuel Value-Back
- 13X Reward Points: Enjoy 13 reward points per ₹100 spent on BPCL fuel. This is equivalent to a value-back of 3.25%.
- 1% Fuel Surcharge Waiver: Get a 1% waiver on transactions up to ₹4,000 (Up to a maximum of Rs. 100 per billing cycle).
- Total Value-Back: Save up to 4.25% on fuel at BPCL stations. This is most suitable for frequent drivers.
- Instant Redemption: Redeem points immediately at more than 1,200 BPCL outlets. There is no least threshold value.
Rewards on Everyday Spending
- 5X Reward Points: Earn 5X points (1.25% value-back) per ₹100 spent on groceries, departmental stores, movies, and dining (Up to 5,000 points/month).
- 1X Reward Points: Get 1 point per ₹100 on all other non-fuel transactions.
- Point Value: 4 points = ₹1, making rewards easy to understand and redeem.
Welcome Bonus
- 2,000 Bonus Points: Receive points worth ₹500 upon paying the joining fee, credited within 20 days.
- Offset Joining Fee: The bonus effectively covers the ₹499 + GST joining fee.
Convenience and Global Acceptance
- Contactless Payments: Use Visa payWave for fast, secure tap-to-pay transactions.
- Global Reach: Accepted at over 24 million outlets worldwide, including 3.25 lakhs in India.
- Add-On Cards: Free add-on cards for family members above 18.
Flexible Payment Options
- Utility Bill Payments: Pay electricity, mobile, and other bills via Easy Bill Pay.
- Balance Transfer: Transfer balances from other credit cards at lower EMI interest rates.
- Flexipay: Convert purchases over ₹2,500 into EMIs within 30 days.
BPCL SBI Credit Card Eligibility Criteria
- Age: 21–65 years (Minimum may vary based on income).
- Residency: Indian citizen.
- Income: Stable salary or self-employed earnings ( CIBIL score ≥ 750 recommended).
SBI BPCL Credit Card Documents Required
- PAN card
- Address proof (Aadhaar, passport, etc.)
- Income proof (salary slips, Form 16, or ITR)
- Recent photograph
BPCL SBI Card Fees and Charges
| Fee Type | Amount & Details |
|---|---|
Joining Fee | ₹499 + GST (One-time; offset by Rs. 500 welcome bonus) |
Annual Fee | ₹499 + GST (Waived if annual spends ≥ ₹50,000) |
Add-On Card Fee | Nil |
Finance Charges | 3.5% per month (≈42% p.a.) |
Late Payment Charges | ₹0–₹1,300, depending on outstanding balance |
Cash Advance Fee | 2.5% (Minimum ₹500); interest from day one |
Foreign Currency Mark-up | 3.5% + GST for international transactions |
Who Should Apply for the BPCL SBI Card?
This card is ideal for:
- Frequent BPCL Users: Maximize savings with 4.25% value-back on fuel.
- Everyday Spenders: Earn rewards on groceries, dining, and movies.
- SBI Customers: Benefit from seamless integration with SBI services.
- Budget-Conscious Users: Low fees and no minimum redemption threshold make it cost-effective.
- Balanced Rewards: Offers strong fuel savings and rewards on everyday categories, unlike premium cards like BPCL SBI Octane, which cater to high spenders.
How to pay your BPCL SBI Credit Card Bills?
Online Options
- SBI Card Website/App: Make your BPCL SBI Credit Card bill payments using net banking, debit card, or UPI on the SBI Card platform.
- Net Banking (NEFT/IMPS): Add your BPCL SBI card as a beneficiary for making BPCL SBI credit card payments via NEFT or IMPS. The IFSC code is SBIN00CARDS
- UPI: Give your SBI Card UPI ID to make BPCL SBI credit card payments via UPI
- Auto Debit: Enable NACH for automatic minimum or full payment to avoid late fees.
Offline Options
- SBI ATM: Use the “Bill Pay” option at SBI ATMs to pay your card bill.
- Cheque: Drop a cheque with your 16-digit card number at SBI branches (Takes 2–3 days to process).
- Cash: Pay at SBI branches with a ₹250 + GST fee.
How Does BPCL SBI Card Compare to Other Fuel Cards?
| Card | Fuel Reward | Annual Fee | Other Benefits |
|---|---|---|---|
BPCL SBI Card | 13X points + 1% waiver (4.25%) | ₹499 (Waived on spends of ₹50k) |
|
20 EDGE Points/₹100 + 1% waiver | ₹500 (Waived on ₹3.5L spend) |
| |
5% cashback + waiver of 1% at HPCL | ₹500 (Waived on spends of ₹1.5L) |
| |
25X points + waiver of 1% (7.25%) | ₹1,499 (Waived on spends of ₹2L) |
|
Conclusion
The BPCL SBI Card is a top-tier choice for those seeking to save on fuel and earn rewards on everyday spending. With a value-back of 4.25% on BPCL fuel, 5X rewards on groceries and dining, and a low annual fee that’s easily waived, it offers unmatched value for mid-tier spenders. The no-minimum redemption feature and flexible payment options make it a practical and rewarding choice. Compared to competitors like the IndianOil Axis Bank Card or ICICI HPCL Super Saver, it strikes a perfect balance of affordability and benefits. Ready to fuel your savings? Apply for the BPCL SBI Card today!
Frequently Asked Questions (FAQs)
