SBI Bharat Petroleum Credit Card – Best Fuel Savings Card in 2025

Imagine you drive 1,500 km per month, and your vehicle's fuel efficiency is 15 km per litre. This means you consume approximately 100 litres of fuel per month. With a fuel price of ₹100 per litre, you're consuming ₹10,000 on petrol alone. 

Now, if you have the BPCL SBI Credit Card, you receive 13X points for fuel transactions at BPCL fuel stations—totalling 1,300 monthly reward points, worth ₹325. Add in the 1% fuel surcharge waiver (₹100 monthly cap), and you’re saving ₹425 per month or ₹5,100 annually, significantly reducing fuel costs.

This is only one of the numerous advantages that make the BPCL SBI Credit Card an excellent option for regular drivers and cost-conscious consumers.

SBI Bharat Petroleum Credit Card Overview

BPCL SBI Credit Card is a fuel-focused co-branded card designed to maximise fuel spending at Bharat Petroleum (BPCL) fuel pumps. However, the reward does not stop at fuel; it also applies to grocery spending, dining, and entertainment.

• 4.25% value-back on BPCL fuel spends
• More reward points on groceries, dining, and movies
• Low annual fee of ₹499 (waived for spends of ₹50,000 in a year)
• Instant redemption of rewards at 1,200+ BPCL locations

Key Highlights of SBI Bharat Petroleum Credit Card

• 13X reward points on fuel purchases at BPCL stations.
• 5X reward points on groceries, dining, and movies.
• 1 reward point per ₹100 on other purchases.
• 1% fuel surcharge waiver (up to ₹100 per month).
• 2,000 bonus reward points (worth ₹500) on paying the joining fee.
• Annual fee waiver on spending ₹50,000 per year.

Benefits of SBI Bharat Petroleum Credit Card

SBI Bharat Petroleum Credit Card Additional Features

1. Easy EMI Conversion
   • Users can convert high-value purchases into EMIs.
2. Contactless Payment Technology
   • Tap-and-go payments make transactions faster and safer.
3. Global Acceptance
   • The card is accepted at millions of outlets worldwide.

SBI Bharat Petroleum Credit Card Cashback & Rewards

Fuel Rewards

Other Spending Rewards:

SBI Bharat Petroleum Credit Card Fees and Other Charges

Late Payment Fee Applicable

Eligibility Criteria for BPCL SBI Credit Card

To apply for the BPCL SBI Credit Card, applicants must:

• Be aged 21–65 years
• Have a stable source of income
• Be a resident Indian
• Meet the minimum income requirements (varies by applicant)

Required Documents to Apply for BPCL SBI Credit Card

Identity Proof (Any One)

• Aadhaar Card
• PAN Card
• Voter ID
• Passport
• Driving License

Address Proof (Any One)

• Utility Bill (Electricity, Water, Gas)
• Rental Agreement
• Passport

Income Proof

• Latest salary slips (last 3 months)
• Bank statements (last 6 months)
• ITR (Income Tax Returns) for self-employed individuals

SBI Bharat Petroleum Credit Card Pros & Cons

Pros

High Fuel Savings (4.25% Value-Back)

The BPCL SBI Credit Card is specifically designed for individuals who frequently purchase fuel. It offers an impressive 4.25% value-back on fuel transactions at BPCL fuel stations. This is achieved through 13X reward points on every ₹100 spent and a 1% fuel surcharge waiver. 

For example, if a user spends ₹5,000 per month on fuel, they can earn 650 reward points, which translates to ₹162.50 in savings along with an additional ₹50 in surcharge waiver. Over a year, this adds up to savings of approximately ₹2,550 on fuel expenses.

Bonus Rewards on Dining, Groceries, and Movies

Unlike many other fuel credit cards, which focus solely on fuel benefits, the BPCL SBI Credit Card extends its perks to other daily spending categories. Cardholders earn 5X reward points on every ₹100 spent on groceries, department stores, dining, and movies. 

For instance, if an individual spends ₹10,000 per month across these categories, they can accumulate 5,000 reward points monthly, worth ₹1,250 annually.

Instant Redemption at BPCL Fuel Outlets

One of the standout features of this card is that accumulated reward points can be instantly redeemed at over 1,200 BPCL outlets without any minimum threshold. This means users can use their reward points to offset fuel expenses without waiting to accumulate a large balance.

Low Annual Fee, Easily Waived

The card comes with an affordable annual fee of ₹499, which is waived if the user spends ₹50,000 per year. For regular fuel buyers and those who frequently use the card for groceries, dining, and entertainment, this waiver is easily achievable.

Cons

Reward Points Have a Low Redemption Value

While the card offers accelerated rewards, the redemption value of reward points is lower than that of premium credit cards. 1 reward point = ₹0.25, which means users need a substantial number of points to accumulate significant savings.

Caps on Monthly Reward Earnings

The card imposes a cap on accelerated reward earnings:

• Fuel category: Maximum of 1,300 reward points per month.
  
• Dining, grocery, and movie categories: Users can earn a maximum of 5,000 reward points per month. This means that even if users spend significantly, they will not earn beyond these limits, reducing the potential for high rewards.
  
  Limited to BPCL Fuel Stations
  
  Unlike some fuel credit cards that offer benefits across multiple fuel brands, this card restricts its primary fuel savings to BPCL petrol pumps only. If the user frequently visits HPCL or IOCL fuel stations, they won’t benefit as much.

How to Apply for SBI Bharat Petroleum Credit Card ?

Step-by-Step Process

1. Visit the SBI Card Website
   • Go to www.sbicard.com and navigate to ‘Credit Cards.’
     
     
2. Find the BPCL SBI Credit Card
   • Look under ‘Fuel & Travel Cards’ and select BPCL SBI Credit Card
     
     
3. Click on ‘Apply Now’
   • Fill in personal details like name, age, and contact number
     
     
4. Upload Required Documents
   • Submit ID proof, address proof, and income proof
     
     
5. Submit Application & Await Approval
   • The bank will verify your details and notify you about the status

How BPCL SBI Credit Card Stands Out in the Market?

The BPCL SBI Credit Card is a well-designed, co-branded fuel card that significantly benefits users, particularly those who frequently spend on fuel. Compared to generic and other fuel credit cards, it stands out due to its high reward rate on BPCL fuel transactions, low annual fees, and added lifestyle benefits. Let’s explore how it differentiates itself from other credit cards in the market.

Comparison with Generic Credit Cards

Generic credit cards are designed for broad usage, offering a balance of rewards across multiple spending categories. While they may provide cashback or points on fuel purchases, the benefits are often lower than those of specialised fuel cards like the BPCL SBI Credit Card.

• Rewards & Savings: Generic credit cards typically offer 1-2 reward points per ₹100 spent. The BPCL SBI Credit Card provides 13X reward points on BPCL fuel purchases, translating into a 3.25% value-back. It offers a 1% fuel surcharge waiver, making the total fuel savings 4.25%.
  
  
• Redemption Options: Most generic credit cards offer cash back or redemption against flights, hotels, or shopping. On the other hand, the BPCL SBI Credit Card allows instant reward redemption at BPCL fuel stations, making it more convenient for frequent fuel spenders.
  
  
• Annual Fees: Many premium generic credit cards have annual fees ranging from ₹1,000 to ₹5,000. The BPCL SBI Credit Card has a nominal ₹499 annual fee, which is waived if yearly spending exceeds ₹50,000.
  
  

Comparison with Other Fuel Credit Cards

Compared to other fuel credit cards, BPCL SBI Credit Card offers one of the highest value-back rates. Here’s how it stacks up against some of the closest competitors:

From the comparison, BPCL SBI Credit Card is a strong contender, especially for BPCL fuel loyalists. It offers higher accelerated rewards than some competitors, making it a great choice for those who frequently refuel at BPCL pumps.

BPCL SBI Credit Card vs Digital Wallets & UPI for Fuel Payments

How Digital Wallets and UPI Work for Fuel Payments

UPI platforms like Google Pay, PhonePe, and Paytm allow users to pay for fuel seamlessly without carrying cash or cards. Many fuel stations also offer cashback deals or discounts when using digital wallets.

• Cashback & Offers: Some wallets provide instant cashback offers (e.g., ₹10-₹50 per fuel transaction). However, these offers are often time-limited and capped.
  
  
• Convenience: UPI payments are fast, and there’s no need to carry a card or remember PINs, making them hassle-free.
  
  
• No Additional Benefits: While convenient, UPI transactions do not provide reward points, milestone benefits, or surcharge waivers that credit cards offer.

How BPCL SBI Credit Card Provides More Benefits

Which One is Better?

• If your goal is to maximise savings, the BPCL SBI Credit Card is the better option because of its reward structure and surcharge waiver.
• If you prioritise convenience and don’t care about rewards, UPIs or digital wallets might be a better choice.
• A combination of both using UPI for quick payments and the BPCL SBI Credit Card for high-value fuel transactions can help users get the best of both worlds.

Who Should Get the BPCL SBI Credit Card?

The BPCL SBI Credit Card is a well-suited option for individuals who spend significantly on fuel while also making transactions in other everyday categories like groceries, dining, and entertainment. Below is a breakdown of who would benefit the most from this card and who might not find it as valuable.

Ideal Users for BPCL SBI Credit Card

Who Might Not Benefit from This Card?

1. People Who Use Other Fuel Brands
   • Since the rewards are exclusive to BPCL stations, those who regularly fill up at HPCL, IOCL, or other brands won’t get the maximum benefits.
     
     
2. Users Who Prefer Cash Back Over Reward Points
   • If you prefer direct cashback rather than accumulating points, a cashback credit card might be a better choice.
     
     
3. Individuals Who Don’t Spend Much on Fuel
   • If your fuel expenses are minimal (e.g., ₹1,000 per month), the rewards may not justify the use of a dedicated fuel credit card.

Conclusion

The BPCL SBI Credit Card is an excellent option for individuals who frequently refuel at BPCL petrol pumps and want to maximise fuel savings. With 4.25% value-back, bonus rewards on groceries, movies, and dining, and a low annual fee of ₹499, this card is a great choice for budget-conscious consumers. 

If you want to save money on fuel while enjoying additional lifestyle benefits, this card is worth considering.

SBI BPCL Credit Card FAQs

1. How can I apply for the BPCL SBI Credit Card?

• You can apply online at www.sbicard.com or visit an SBI branch.
  
  

2. What is the fuel surcharge waiver limit?

• The surcharge waiver is capped at ₹100 per month.
  
  

3. How do I check my credit card application status?

• Visit the SBI Card website and enter your application number to track the status.
   

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