BPCL SBI Credit Card
SBI Bank
Last updated: Feb 03, 2026
₹499
₹499
1.99%
No lounge access
Contents
BPCL SBI Credit Card is a fuel-focused co-branded card that gives accelerated rewards on BPCL fuel purchases and useful everyday benefits. It offers surcharge waivers on fuel, instant redemption at select BPCL outlets and modest annual fees with fee reversal on qualifying spends. Ideal for frequent BPCL fuel customers seeking fuel savings and simple reward redemption.
Features of BPCL SBI Credit Card which makes it unique
Instant Fuel Redemption
Use reward points immediately against BPCL fuel purchases at enabled outlets
Quick savings at pump
Faster redemption vs some peers
Rewards Structure of BPCL SBI Credit Card
Milestones of BPCL SBI Credit Card
Spend-based fee reversal
₹50,000 (annual) : Renewal fee reversed
Fees & Charges of BPCL SBI Credit Card
| Fee & Amount | Fee Value |
|---|---|
| Joining Fee | ₹499 |
| Annual Fee | ₹499 |
| Forex Markup Fee | 1.99% |
| Cash Advance Fee | 2.5% |
| Late Payment Fee | ₹750 |
| Over Limit Fee | ₹500 |
| Returned Payment Fee | ₹350 |
| Cash Withdrawal Fee | 2% |
Renewal Conditions:Renewal fee reversed if annual spends ≥ ₹50,000 in previous year.
Fee Explanation Standard bank interest and charges apply; taxes as applicable.
Detailed Explanation of BPCL SBI Credit Card Fees
Joining Fee: 499 (one-time)
Payable at issuance; taxes applicable
Renewal Fee: 499 (yearly)
Reversible if annual spends ≥ ₹50,000
Cash Advance Fee: 2.5% (transaction)
Minimum amount as per bank policy
Lounge Access Benefits with BPCL SBI Credit Card
domestic Lounges
silverVisits per year: 0
Guest access: No
No complimentary lounge access on standard BPCL variant
Additional Features of BPCL SBI Credit Card
Contactless Payments
Tap and pay enabled (Visa payWave / contactless)
Instant Redemption
Redeem reward points instantly at select BPCL outlets or Shop n Smile catalogue
Welcome Bonus with BPCL SBI Credit Card
Welcome Bonus: 2,000 reward points
Bonus Conditions: Reward points credited ~20 days after joining fee payment; redeemable at select BPCL outlets or Shop n Smile catalogue.
Application Process for BPCL SBI Credit Card
Processing Time
5-7 business days (typical)
Online Application
Available
Instant Approval
Not Available
Step-by-Step Process
Apply online via SBI Card portal
Upload KYC documents
Receive verification call if required
Card dispatched within typical timelines
Required Documents for BPCL SBI Credit Card
ID Proof
allAccepted documents:
Address Proof
allAccepted documents:
Income Proof
where applicableAccepted documents:
BPCL SBI Credit Card Merchant Acceptance Network
Domestic Acceptance
Wide coverage across India
International Acceptance
Accepted globally where Visa is accepted
Online Acceptance
Yes
Payment Technologies
Mobile Wallet Support:
Excluded Merchants
Eligibility Criteria for BPCL SBI Credit Card
Quick Eligibility Check
Minimum Age
18+
Credit Score
650+
Citizenship
Indian only
Income Requirements
Salaried Applicants
₹0
Minimum annual income
Self-Employed Applicants
₹0
Minimum annual income
Who Can Apply
Important Conditions
- Customer must complete KYC with PAN and Aadhaar where applicable.
How Approval Is Decided
- Indian resident
- KYC completed
- Credit profile considered as per bank policy
Pros of BPCL SBI Credit Card
- Excellent fuel savings at BPCL outlets
- Low fee with easy waiver condition
- Instant redemption for fuel
Cons of BPCL SBI Credit Card
- Benefits concentrated at BPCL pumps
- Lower accelerated rates on non-fuel categories
Frequently Asked Questions about BPCL SBI Credit Card
Is there a joining fee?
Yes. Joining fee is ₹499 + taxes; you receive 2,000 activation bonus reward points on payment.
How do I get the annual fee reversed?
Renewal fee is reversed if you have annual spends of ₹50,000 or more in the previous year.
What fuel surcharge waiver does the card offer?
Fuel surcharge waiver up to ₹100 per billing cycle on BPCL transactions up to ₹4,000 (exclusive of GST and other charges).
How many reward points do I earn on BPCL fuel?
You earn 13 reward points per ₹100 spent at BPCL pumps (equivalent to ~4.25% value back), capped at 1300 points per billing cycle.
Can I redeem points instantly at BPCL pumps?
Yes — selected BPCL outlets allow instant redemption of reward points for fuel purchase.
Are there accelerated rewards on other categories?
Yes — 5 pts/₹100 on dining, groceries, movies and departmental stores (subject to monthly cap).
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