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

Category	Benefits	Example
Fuel Savings & Rewards	13X Reward Points Per ₹100 on Fuel Spends – Earn 13 reward points per ₹100 spent at BPCL fuel stations. 1% Fuel Surcharge Waiver – On fuel transactions up to ₹4,000, users get a 1% surcharge waiver (maximum of ₹100 per month). No Minimum Redemption Limit – Redeem points instantly at any BPCL outlet without any minimum threshold.	If a person spends ₹4,000 per month on fuel, they receive 520 reward points worth ₹130. This adds up to ₹1,200 in savings annually. Unlike other reward programs, points can be used immediately without restrictions.
Everyday Spending Rewards	5X Reward Points on Groceries, Departmental Stores, Dining, and Movies – Earn 5 reward points per ₹100 spent on these categories. Maximum Cap – A maximum of 5,000 reward points per month can be earned in this category. 1X Reward Point Per ₹100 on Other Transactions – Earn 1 reward point per ₹100 on all other retail purchases.	Spending ₹10,000 monthly on these categories earns 5,000 points, valued at ₹1,250 annually. Users can maximize their rewards by aligning monthly expenses within the limit. Shopping for ₹20,000 on general purchases earns 200 reward points.
Welcome & Milestone Benefits	2,000 Bonus Points on Paying the Joining Fee Annual Fee Waiver on Spending ₹50,000 in a Year.	The welcome bonus is worth ₹500. If users spend ₹50,000 or more annually, the annual fee of ₹499 is waived.

SBI Bharat Petroleum Credit Card Additional Features

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

SBI Bharat Petroleum Credit Card Cashback & Rewards

Fuel Rewards

Fuel Spend (₹)	Reward Points	Value Back (₹)
1,000	130	32.50
3,000	390	97.50
5,000	650	162.50
10,000	1,300	325

Other Spending Rewards:

Category	Reward Points per ₹100	Monthly Cap
Fuel (BPCL)	13X	1,300
Dining and Movies	5X	5,000
Groceries	5X	5,000
Other Retail Spends	1X	No Cap

SBI Bharat Petroleum Credit Card Fees and Other Charges

Charge Type	Amount
Joining Fee	₹499
Annual Fee	₹499
Finance Charges	3.5% p.m. (42% p.a.)
Late Payment Fee	₹400 – ₹1,300 (based on outstanding balance)

Late Payment Fee Applicable

Statement Balance	Late Payment Fee (₹)
< ₹500	Nil
₹500 – ₹1,000	400
₹1,000 – ₹10,000	750
₹10,000 – ₹25,000	950
₹25,000 – ₹50,000	1,100
> ₹50,000	1,300

Eligibility Criteria for BPCL SBI Credit Card

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

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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

Visit the SBI Card Website
- Go to www.sbicard.com and navigate to ‘Credit Cards.’
Find the BPCL SBI Credit Card
- Look under ‘Fuel & Travel Cards’ and select BPCL SBI Credit Card
Click on ‘Apply Now’
- Fill in personal details like name, age, and contact number
Upload Required Documents
- Submit ID proof, address proof, and income proof
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:

Feature	BPCL SBI Credit Card	IndianOil Axis Bank Credit Card	ICICI HPCL Super Saver Credit Card	HDFC IndianOil Credit Card
Fuel Savings	4.25% of BPCL fuel spends	4% on IOCL fuel spends	5% on HPCL fuel spends	5% on IOCL fuel spends
Bonus Rewards	5X on dining, groceries & movies	5% on groceries & online spending	2.5% on groceries & dining	1X rewards on all other spends
Annual Fee	₹499 (waived on ₹50,000 spend)	₹500 (waived on ₹50,000 spend)	₹500 (waived on ₹1.5 lakh spend)	₹500 (waived on ₹1.5 lakh spend)
Reward Redemption	Instant at BPCL fuel stations	Instant at IOCL fuel stations	Redeem against fuel vouchers	Redeem against IOCL fuel

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.

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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

Feature	BPCL SBI Credit Card	Digital Wallets & UPI
Reward Points	13X reward points per ₹100 spent	None
Fuel Surcharge Waiver	1% on transactions up to ₹4,000	None
Cashback Offers	Indirectly via rewards	Occasional, limited-time offers
Annual Fee Waiver	Waived on ₹50,000 annual spend	Not applicable
Convenience	Requires card, but offers tap-to-pay	Faster, but no additional rewards

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

Category	Who Should Consider It?	Example
Frequent Travelers & Daily Commuters	If you travel frequently for work or leisure and rely on a personal vehicle, fuel expenses can add up quickly. With 13X reward points on BPCL fuel, travellers can accumulate significant savings.	A person who spends ₹5,000 per month on fuel earns 650 reward points (worth ₹162.50) plus ₹50 surcharge waiver, resulting in ₹212.50 in savings each month or ₹2,550 per year.
BPCL Fuel Station Regulars	This card is ideal for customers who prefer BPCL fuel stations over others like HPCL or IOCL. Since the rewards are applicable only at BPCL, those who exclusively refuel at these stations benefit the most.	If you always refuel at BPCL, every ₹100 spent on fuel earns 13 reward points, giving better returns than general credit cards.
Individuals Looking for a Low-Fee Fuel Credit Card	Many fuel credit cards have high joining and annual fees, but the BPCL SBI Credit Card keeps it affordable at ₹499, which is easily waived on annual spending of ₹50,000.	If you use this card for both fuel and everyday expenses, you can easily meet the waiver requirement and avoid paying the annual fee.
People Who Also Spend on Groceries, Dining & Movies	Besides fuel, this card provides 5X reward points on groceries, dining, and movies. The annual savings can add up significantly for someone who spends ₹10,000 per month in these categories.	Spending ₹10,000 per month earns 500 reward points (worth ₹125), leading to ₹1,500 in savings per year.

Who Might Not Benefit from This Card?

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.
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.
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.