SBI BPCL Credit Card Review – Benefits, Features, Limit

Pricemint Credit Cards

SBI BPCL Credit Card Review – SBI BPCL Credit Card is a fantastic fuel card for getting value back. it mainly focuses to provide a good rate of value back on fuel purchases from Bharat Petroleum. It is launched by the State Bank of India in Cooperation With Bharat Petroleum Corporation Limited. it will offer you 70 liters of Annual fuel Savings. it allows the cardholder to earn up to 13X reward points (4.25% Value back) on fuel purchases at BPCL petrol pumps Across India. Moreover, It offers Up to 3.25% + 1% Fuel surcharge waiver on every BPCL Fuel transaction upto ₹4000.

Apart From Fuel Purchases, it also offers rewards Points on other categories of shopping. The cardholder can get up to 5X Reward Points on Each & Every ₹100 or Above spent at Groceries, Departmental Stores, Movies & Dining Bills. Furthermore, it Provides 1 Reward Point Per ₹100 or Above spent on non-fuel retail purchases. which is quite beneficial for you.

It supports all State Bank of India privileges such as

  • Welcome Benefit
  • Reward Points on Fuel Purchases and Other Shopping
  • Contactless Methold transactions Enabled Card
  • Worldwide Acceptance (VISA/MasterCard)
  • Add-on Cards
  • Pay for Utility Bill Payment
  • Balance Transfer on EMI
  • Flexipay
  • Easy Money Facility

Through this Article, we will share with you a brief review of the SBI BPCL Credit Card which can find all solutions to your queries related to the SBI BPCL Credit Card. for instance, limit, airport lounge access, benefits, charges, eligibility, and more.

The Benefits And Review of the SBI BPCL Credit Card

Table of Content

SBI BPCL Credit Card Highlight Factors

Card TypeEntry-Level Card For Fuel Transcations
Best SuitableFuel Purchases and Shopping
Card Benefits &
– Worldwide Acceptance (VISA/MasterCard)
– Get a Draft or Cheque against your cash limit and get it delivered to your doorstep BY Easy Money Facility
– Easy EMIs via Flexipay option
– Contactless Advantage Payment Method Enabled
– 1% Fuel surcharge waiver on each Fuel transaction of up to ₹4,000 at any Bharat Petroleum petrol pump across the country.
Fuel Reward Points or ValueBackThe cardholder can earn up to 4.25% value back on their fuel purchases from BPCL Fuel Stations Across India. Briefly, you will get 13X Rewards points equivalent to 3.25% + 1% Fuel surcharge waiver on every transaction of upto ₹4,000.
– (It is capped at 1300 Reward Points per billing cycle)
– Maximum surcharge waiver of ₹100 in a billing cycle (Annual Savings of ₹1200)
Cashback & Reward Points– 5X Reward Points Per ₹100 or Above Transactions at groceries, departmental stores, movie tickets, and dining. (Capped At 5,000 reward points per month)
– Get 1 reward point Per ₹100 OR Up Purchases on all other non-fuel retail Transactions
Welcome Gift– As A Welcome Privilege, it offers 2,000 activation bonus reward points worth ₹500
– (*Your earned Welcome Privilege Reward Points will be credited after 20 days of the payment of the joining fee)
Annual Fee WaiverTo get an Annual Fee Waiver, you will have to cross the transaction upto ₹50,000 in a year to get annual fee waiver benefits.

What Are The SBI BPCL Credit Card Offers And Benefits

SBI BPCL Credit Card is an entry-level fuel discounts-based card for individuals. it offers upto 70 liters of Annual fuel Savings. it is one of the best fuel credit cards for applicants. it could be a beneficial card for you to earn rewards and discounts on purchasing from a few categories such as fuel, Groceries, Departmental Stores, Movies & Dining Bills

It comes with Worldwide Acceptance, you can use the card for upto 24 million outlets all over the globe. Any MasterCard or Visa outlet accepts this card. Moreover, it also supports Flexipay, to convert your big transactions or Payments into Monthly EMI.

The Annual/ Renewal Fee is just 499 Which is Quite Low and Good. Moreover, it comes with Renewal Fee reversible facility.  if annual spending will reached upto 50000 for last year your annual/Renewal fee automatically be reversed.

Discounts And Reward Points

Reward Points & Cashback On CardExplanation
Online Transactions5X reward points on each purchase of ₹100 or above at groceries, departmental stores, movie tickets, and dining
Offline TransactionsGet 1 reward point for every ₹100 spent on non-fuel retail purchases
Fuel Surcharge WaiverFuel Purchase Surcharge waiver of up to ₹100 per month which will be ₹1200 per Year at Any BPCL petrol pumps
Domestic Airport Lounge Access LimitNot Available
International Lounge Access LimitNot Available

Additional Features on SBI BPCL Credit Card

Additional FeaturesDescription (Details)
Add-on CardAdd-on cards are available for family members such as parents, Husband/Wife, children, or siblings above the age of 18 years
EMI FacilityFlexipay to convert your all big purchases minimum up to 2500 into Easy Monthly Payments EMI.
– Just log in to within 30 days of purchase to convert it.
Contactless PaymentYes! Enabled Contactless Payment Method

Set Card Control
Use SBI Card App to control your all State Bank Credit Cards Limits and transactions

How to Use Reward Points Redemption

Your 2,000 Activation Bonus Reward Points will be credited after 20 days of the payment of the joining membership fee. You can also be redeemed instantly against fuel purchases at BPCL outlets. Moreover, you’re earned every rewards points, and you can redeem Shop n Smile rewards catalogue. you have to log in to to redeem your rewards points.

The Value of Every SBI BCPL Card Reward Points –

Pricemint Personal Loans

– The value of 4 reward points = Re. 1

– 1 reward point = Re. 0.25

What Are Card Charges and Fees

List of ChargesOverview
Welcome Benefits– EXTRA 2,000 points worth ₹500 on paying the joining fee as a Welcome Gift For the cardholder
Annual Fees on The Card– ₹499 per Year
– Renewal Fee reversed if annual purchase for last year will cross ₹50,000.
First Year Fee– ₹499 per Year
Joining Charges– ₹499 (One-Time Payment)
Finance Fees (Interest Rate) – The Default Interest Rate is 3.5% per Month
– 42% Annually
Late Payment FeeLate Payment Penalty is Between ₹400 to ₹1300 depending on the total Overdue Payment
Replacement CardIn Between of ₹100 to ₹250
Total Interest fee periodMax Up to 50 Days
Add-on cardsNil
ATM Cash Withdrawal2.5% or ₹500 (Domestic Withdrawal)

What Are the Eligibility Criteria For BPCL Credit Card By State Bank of India?

To meet with Eligibility Criteria for SBI BPCL Credit Card, the individuals must be 21 Years old as per State Bank Card Regulations. You must have a Good Credit History and Credit Score Upto 750. You must have A Stable Income. The applicant’s Occupation Salaried and Self-Employed both are fully eligible.

Eligibility CriteriaOverview
OccupationSalaried, Professionals, Self-Employed
Should be a resident of IndiaYes
Your Age Must Be For Primary Card21 years to 65 years
Add-On Card18 years and above
Minimum Salary Requirement3.5 Lakh Per Year (ITR, Salary Slip, Form 16 Documents May Ask Required)
Credit ScoreMust have a Good Credit Score Upto 750

State Bank of India will ask you few documents Such As PAN Card, Aadhar Card, And ITR To Complete The KYC For The Card. Below, we mention the list of Necessary Documents the SBI bank may Ask you before completing the approval for the card.

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SBI BPCL Credit Card Eligibility


What is the SBI BPCL Credit Card?

SBI BPCL Credit Card is a Low-End Fuel card for Salaried and Self-Employed Occupation individuals. it delivers the cardholder benefit of 70 liters of Annual fuel Savings. As per Reports, it is one of the latest and best fuel cards for you. it offers upto 13X Rewards points on Fuel Transcations from Bharat Petroleum Fuel Stations All over India.

What Is the SBI BPCL Credit Card Customer Care Number?

To contact with SBI Card helpline, you can Dial 39 02 02 02 (prefix local STD code) of 1860 180 1290 to get queries related To State Bank of India Credit Cards.

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we hope you will like the SBI BPCL Credit Card review. do share on social media handles and with your friends and closest family members. if you have any queries related to credit cards, we love to hear and find solutions for you. comment down below or you can Mail us at [email protected]

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