About BPCL SBI Card
BPCL SBI Card is a fuel credit card offered in partnership with Bharat Petroleum. It also has an upgraded variant—BPCL SBI Card Octane—which comes with higher value-back and enhanced fuel benefits for users seeking more premium features.
This SBI Card provides up to 4.25% value-back on fuel spends at BPCL petrol pumps through a combination of reward points and fuel surcharge waiver.
The earned reward points can be redeemed instantly at over 1,200 BPCL outlets, making it convenient for regular users. Interestingly, the card is not limited to fuel benefits—it also offers accelerated rewards on everyday categories like groceries, dining, and movies.
With a low annual fee of ₹499, this card competes with other entry-level fuel cards like IndianOil HDFC, IndianOil Axis, and ICICI HPCL Super Saver. Overall, it is a good option for users who want savings on fuel along with decent rewards on daily spending categories.
The BPCL SBI Credit Card is a co-branded fuel card that gives you up to 13 times more rewards on BPCL fuel purchases. It also offers extra points on groceries, dining, and entertainment. The card has an annual fee of Rs. 499.
BPCL SBI Card Rewards Program
Rewards Benefits
- Earn 5 reward points per ₹100 on groceries, departmental stores, dining and movies, capped at 5,000 points per month
- Earn 1 reward point per ₹100 on other retail purchases
Suggested Read: Best Rewards Credit Cards for Everyday Spending
Other Features and Benefits
Welcome Benefit
- Get 2,000 bonus reward points worth ₹500 on payment of the joining fee
Annual Fee Waiver
- Enjoy annual fee waiver on spending ₹50,000 in a year
Also Read: Best Fee Waiver Credit Cards in India
Fuel Benefits
- Earn 13X rewards (13 reward points per ₹100) on fuel spends at BPCL petrol pumps, capped at 1,300 points per month
- Get 1% fuel surcharge waiver on BPCL transactions up to ₹4,000, capped at ₹100 per month
- Enjoy total savings of up to 4.25% on BPCL fuel spends (3.25% via rewards + 1% surcharge waiver)
- Example: On ₹5,000 fuel spend, earn 650 reward points worth ₹162.50, plus ₹50 savings via surcharge waiver
- Redeem reward points directly against fuel purchases at over 1,200 BPCL outlets with no minimum redemption requirement
Also Read: Best Fuel Credit Cards
Worldwide Acceptance
- Use the card at over 24 million outlets worldwide
- Accepted at all merchants supporting Visa or RuPay cards
Other Facilities
- Easy bill payments for utilities
- Add-on cards available for family members
- Balance transfer option from other credit cards with easy EMI plans
- Convert purchases above ₹2,500 into EMIs with Flexipay
- Issue cheque or draft against your card’s cash limit
- Manage your card via website and mobile app
- Contactless payments enabled for quick and secure transactions
Also Read: Best Credit Cards in India 2026
Fees and Charges
| Type of Fee | Amount |
|---|
| Annual Fee | Rs.499 |
| Renewal Fee | Rs.499 |
| Add-On card fee | Nil |
| Cash advance fee | 2.5% of the amount withdrawn or Rs.500 (Domestic or international ATMs) |
| Finance Charges | 3.70% per month or 45% per annum |
| Payment dishonor fee | 2% of the payment amount; minimum of Rs.500 |
| Statement request | Rs.100 per statement (more than 2 months old) |
| Cash payment fee | Rs.250 plus applicable taxes |
| Late payment | - From Rs.0 to Rs.500 - Nil
- More than Rs.500 up to Rs.1,000 - Rs.400
- More than Rs.1,000 up to Rs.10,000 - Rs.750
- More than Rs.10,000 up to Rs.25,000 - Rs.950
- More than Rs.25,000 up to Rs.50,000 - Rs.1,100
- More than Rs.50,000 - Rs.1,300.
|
| Cheque payment fee | Rs.100 |
| Over limit fee | 2.5% of the over limit amount; minimum of Rs.600 |
| Rewards redemption fee | Rs.99 |
| Foreign currency transaction | 3.50%* |
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Document Required For BPCL SBI Card
- Proof of Identity: PAN Card, Aadhaar Card, Driver’s License, Passport, Voter ID
- Proof of Address: Aadhaar Card, Driver’s License, Passport
- Proof of Income: Latest 3 salary slips, Last 3 months’ bank statement
Click here to know More Terms and Conditions
Eligibility Criteria
- Age: 21 to 70 years
- Occupation: Salaried or Self-employed
- Credit Score: Should have a good credit history
BPCL SBI Card Highlights
What do we like about this card?
- Earn up to 13X reward points on fuel spends at BPCL petrol pumps with a fuel surcharge waiver of up to Rs. 100 per month.
- Get 5X reward points on groceries, dining, movies, and departmental store purchases.
- Enjoy a one-time annual fee of Rs. 499 with 2,000 bonus reward points worth Rs. 500 on joining.
- Instant reward redemption available at over 1,200 BPCL outlets with no minimum points threshold.
- Add-on cards available for family members with worldwide acceptance at over 24 million merchant outlets.
Things to Know Before you apply
Get this card if:
- You spend a good amount on fuel every month
- You prefer BPCL fuel stations over others like HPCL and IOCL
- You want a fuel card that also rewards your everyday spending
- You’re looking for a card with a low annual fee
Pros
- Up to 4.25% value-back on BPCL fuel purchases
- Extra reward points on groceries, departmental stores, movies, and dining
Cons
- Low value when redeeming rewards
- Limits on how much accelerated rewards you can earn
SBI Bank Credit Card Contact Details
SBI Bank Credit Card offers multiple ways to get assistance for your credit card queries and services.
- Contact Address: SBI Cards and Payment Services Limited, Wazirpur, New Delhi
- Helpline: Dial 39 02 02 02 or 1860 180 1290 (prefix local STD code)
- Simply SMS: Send an SMS to 5676791 from your registered mobile number
For Further Support: Contact SBI Customer Care Center
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Frequently Asked Questions
You get a 1% fuel surcharge waiver on transactions up to ₹4,000 at BPCL petrol pumps. The maximum waiver is capped at ₹100 per billing cycle.
Yes, you can use the balance transfer facility to move outstanding dues from another bank’s credit card to your SBI BPCL Card.
No, SBI BPCL Credit Card does not provide any complimentary airport lounge access.
The card charges an annual fee of ₹499 plus applicable taxes.
The base variant has an annual fee of ₹499 and offers up to 4.25% value-back on BPCL spends. The Octane variant has a higher fee of ₹1,499 but offers better returns of up to 7.25%.
No, the base BPCL SBI Card does not offer insurance benefits. However, the Octane variant provides a fraud liability cover of ₹1 lakh.
