Quick Details
Annual Fee
₹499
#75
Joining Fee
₹499
#78
Interest Rate
42.00% p.a.
#108
Forex Markup
3.50%
#75
Rewards/₹100
₹0.25 - ₹1.75
#100
Reward Type Reward Points
Reward Currency Points
Min Credit Score
750+
#186
Min Monthly Income ₹25
Network VISA
Late Payment Fee 15.00% (min ₹100)
Over Limit Fee ₹600
Cash Advance Fee 2.50% (min ₹500)
Fee Waiver on Spend ₹50,000/yr
Reward Structure
Partner
BPCL Fuel Purchases
₹3.25 /₹100
Cat
Dining, Dept Stores, Grocery, Movies
₹1.25 /₹100
Base
All Spends
₹0.25 /₹100
Reward Calculator
₹
Allocate by Category100%
Your Rewards
Points Earned519
Cash Value₹130
Breakdown
BPCL Fuel Purchases169
Dining, Dept Stores, Grocery, Movies250
Other Spends100
Total Value₹130
Quick amounts:
Milestone Benefits
Welcome Bonus
2,000 bonus reward points (Rs 500 value) on paying joining fee
₹500
value
Insurance Coverage
Lost Card
₹0
Zero liability.
Fraud
₹0
Zero liability.
Category Rankings
See how this card performs in different spending categories compared to other cards.
Dining
#8 /15
5.0000 pts/₹100 Top 54%
Fuel
#2 /3
13.0000 pts/₹100 Top 67%
Quick Analysis
BPCL SBI Card is the best entry-level fuel card for BPCL users offering 4.25% value back on fuel. Ideal for those who regularly refuel at BPCL pumps.
Pros
- 4.25% value-back on BPCL fuel (13X points + 1% surcharge waiver)
- 5X rewards on dining, departmental stores, grocery, movies
- 2,000 welcome bonus points (Rs 500 value)
- Instant redemption at 1,200+ BPCL outlets
- No minimum points for redemption
- Low fee of Rs 499, waiver at Rs 50K
- 1% fuel surcharge waiver up to Rs 4,000
- Flexipay EMI conversion available
Cons
- Fuel rewards capped at 1,300 points/cycle
- Dining/grocery rewards capped at 5,000 points/month
- Lower point value (Rs 0.25)
- No airport lounge access
- Best value only at BPCL pumps
- Higher forex markup of 3.5%
Best For
BPCL fuel users, daily commuters, petrol spenders
Not Ideal For
Non-BPCL users, travelers, lounge seekers
Frequently Asked Questions
What are the fees for BPCL SBI Credit Card?
The BPCL SBI Credit Card has a joining fee of Rs 499 and annual fee of Rs 499. The annual fee can be waived on spending Rs 50,000 in the previous year.
What is the eligibility criteria for BPCL SBI Credit Card?
To be eligible for the BPCL SBI Credit Card, you need a minimum monthly income of Rs 25,000-50,000/month, age between 21-70 years, and a credit score of 750+. SBI Cards customers with existing relationships may get preferential treatment.
What rewards does BPCL SBI Credit Card offer?
The BPCL SBI Credit Card earns reward points on all spending. Each reward point is valued at approximately Rs 0.25. Points can be redeemed for vouchers, merchandise, or travel bookings through the SBI Cards rewards portal.
Does BPCL SBI Credit Card offer airport lounge access?
The BPCL SBI Credit Card may provide limited or no complimentary lounge access. Please check with SBI Cards for the latest lounge access benefits.
How can I apply for BPCL SBI Credit Card?
You can apply for the BPCL SBI Credit Card through SBI Cards official website, mobile app, or by visiting your nearest SBI Cards branch. Existing customers can also apply through net banking.
User Reviews
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