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BPCL SBI Card

Product Details
Credit Card Name : 

BPCL SBI Card

Bank Name :

State Bank Of India

Type :

Fuel Credit Card

Interest Rate : 

3.50% per month (42% per annum) from the transaction date. 

Eligibility :

Age: You must be minimum 21 and maximum 70 years old.
Income: You must have a stable source of income.
Credit score: A good credit score is generally required.

BPCL SBI Card
Pros
  • Welcome Benefit: Get 2000 bonus reward points worth INR 500 on payment of annual fees.

  • Reward System: Get 13 point on spend of every INR 100 at BPCL petrol pumps + Bharat Gas + BPCL fuel lubricants. Value of 1 point = INR 0.25. Effective cashback rate: 3.25% (Capped at 1300 reward points per month). Get 5 reward points on every 100 spent at dining, departmental stores, grocery and movies. Dining & entertainment cashback rate: 1.25% (Capped at 5000 reward points per month). Get 1 reward point on INR 100 on all other spends. Effective general cashback rate: 0.25%.

Cons
  • Low general cashback rate. 

  • No free movie tickets. 

  • No free airport lounges.

Pros & Cons
Welcome Benefits

Welcome Benefit: Get 2000 bonus reward points worth INR 500 on payment of annual fees.

Rewards System

Reward System: Get 13 point on spend of every INR 100 at BPCL petrol pumps + Bharat Gas + BPCL fuel lubricants. Value of 1 point = INR 0.25. Effective cashback rate: 3.25% (Capped at 1300 reward points per month). Get 5 reward points on every 100 spent at dining, departmental stores, grocery and movies. Dining & entertainment cashback rate: 1.25% (Capped at 5000 reward points per month). Get 1 reward point on INR 100 on all other spends. Effective general cashback rate: 0.25%.

International Forex Markup

3.5%.

Welcome Benefits and Reward System
Special Features

Get 25 point on spend of every INR 100 at BPCL petrol pumps + Bharat Gas + BPCL fuel lubricants. Value of 1 point = INR 0.25. Effective cashback rate: 6.25% (Capped at 2500 reward points per month).

Eligibility Criteria

Age: You must be minimum 21 and maximum 70 years old.
Income: You must have a stable source of income.
Credit score: A good credit score is generally required.

Benefits
  • Good cashback on fuel purchases. 

  • Decent fuel credit card.

Speical Feature, Eligibility and Benefits
How to apply for Credit Card?

1. Online: This is the faster and more convenient method:

  • Visit the SBI Card website: Head to the official SBI Card website.

  • Navigate to the BPCL SBI Card page: Find the "Personal" category and choose "Shopping" as the sub-category. 

  • Click "Apply Now": Look for the prominent "Apply Now" button on the card page.

  • Fill out the application form: Provide your personal details, income information, and KYC documents like PAN, etc.

  • Review and submit: Carefully review the application details.

  • Await decision: You'll receive an instant preliminary decision based on the information provided.

2. Offline: This method involves visiting a SBI branch and completing the application process:

  • Visit an SBI branch: Find a nearby SBI branch and express your interest in applying for the BPCL SBI Card.

  • Fill out the application form: A bank representative will assist you with the form and guide you through the process.

  • Submit the form and documents: Provide all requisite documents such as PAN, Aadhaar, and income proof along with the completed application.

  • Await decision: The bank will process your application and inform you about the final decision through your preferred communication channel.

Contact Details

l 1860 500 1290, 1860 180 1290, 39 02 02 02(Prefix local the STD code) or 1800 180 1290 (Toll Free)

Account Opening and Procedure
BPCL SBI Card Review

The card offers only 3.5% cashback on fuel purchases. It has limited value add benefits. Overall the card has limited usage.

Abhijeet Saxena

Abhijeet Saxena

Abhijeet Saxena

Nalsar University of Law

Ex- Senior Associate, Shardul Amarchand Mangaldas, Delhi

Ex - Khaitan & Co. Bengaluru,

Ex - National Stock Exchange, Mumbai,

Ex - Argus Partners, Mumbai

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Fees & Charges
  • Annual Fee (one time): INR 499 + Taxes.

  • Renewal Fee (per annum): INR 499 + Taxes.

  • Cash Advance fees: 2.5% or Rs. 500 whichever is higher at domestic ATMs and 2.5% or Rs. 500, whichever is higher at international ATMs.

  • Interest Rate: Up to 3.50% per month (42% per annum) from the transaction date. 

  • Late Payment charges will be applicable if Minimum Amount Due is not paid by the payment due date. NIL for Outstanding Amount on payment date from Rs.0-Rs.500, Rs. 400 for Outstanding Amount greater than Rs. 500 & up to Rs. 1000; Rs. 750 for Outstanding Amount greater than Rs. 1000 & up to Rs. 10,000; Rs. 950 for Outstanding Amount greater than Rs. 10,000  up to Rs. 25,000; Rs. 1100 for Outstanding Amount greater than Rs. 25,000 & up to Rs. 50,000; Rs. 1300 for Outstanding Amount greater than Rs. 50,000. 

  • Reward Redemption Fees: INR 99/- per redemption. 

Fuel Surcharge

1% Fuel Surcharge waiver for each transaction between INR 500 and INR 4,000. Maximum Surcharge waiver of INR 100 per statement cycle, per credit card account.

Billing Cycle

30 Days.

Fees & Charges
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