Why the SBI BPCL Credit Card is Popular
The SBI BPCL Credit Card is made for people who drive often and want to save on petrol or diesel. It’s a partnership between the State Bank of India (SBI) and Bharat Petroleum Corporation Limited (BPCL). The goal is simple — make fuel affordable for regular drivers.
When you use this card at BPCL fuel stations, you earn reward points that can be turned into free fuel. The card also gives you cashback on daily expenses and other purchases.
It’s not just a card for savings — it’s a smart money tool for managing your everyday fuel spending.
Key Benefits of SBI BPCL Credit Card
Here’s what makes this card stand out:
4.25% value back on fuel at BPCL petrol pumps.
1 reward point for every ₹100 spent on non-fuel purchases.
2500 bonus reward points on spending ₹500 within 30 days of card activation.
1% fuel surcharge waiver on every transaction between ₹500–₹4000.
Simple reward redemption — use your points directly for free fuel.
Each feature is designed to keep your fuel costs in check and offer real value in everyday spending.
How the Card Works
Every time you refuel at BPCL using your SBI BPCL Credit Card, you earn 13X reward points (1 reward = ₹0.25).
For example:
If you spend ₹3000 per month on fuel, you get reward points worth around ₹127 — that’s like getting free fuel every few months!
You can track your points and redemptions easily through the SBI Card mobile app or website.
Annual Fees & Charges
This fee is reasonable given the rewards and benefits offered, especially for those who drive frequently.
Eligibility & Documentation
To apply, you must:
Be aged 21 to 60 years.
Have a regular income from job or business.
Hold valid KYC documents – PAN card, Aadhaar, and address proof.
Apply online on the SBI Card website or visit your nearest SBI branch.
Fuel Reward Program
The real advantage of this card is its BPCL SmartDrive program.
You get instant rewards for every refuel and can check your points at BPCL outlets or through the SmartDrive app.
This system keeps your fuel savings transparent and easy to track.
Reward Redemption
Redemption is simple.
Each point equals ₹0.25 and can be used directly at BPCL fuel stations.
No need for long forms or waiting. Just swipe your card and redeem your points for fuel — as easy as paying normally.
Cashback & Offers
Beyond fuel, you earn rewards on:
Groceries
Dining
Departmental stores
SBI also provides seasonal cashback offers on select brands and online portals.
Interest Rates & Finance Charges
SBI offers a 50-day interest-free period if you pay your bill on time.
If you miss a payment, the interest rate is 3.50% per month (42% per year).
To keep things smooth, always pay your dues before the due date.
SBI BPCL Credit Card vs Other Fuel Cards
The SBI BPCL Credit Card offers the highest value-back among fuel cards at this price point.
Mobile App & Online Access
Manage your card easily with the SBI Card app:
Track transactions and statements.
Redeem points instantly.
Check offers and due dates.
Everything is secure and updated in real time.
Security Features
Your card is protected with:
EMV chip technology for secure payments.
SMS alerts for every transaction.
Zero liability on lost or stolen cards once reported.
Pros & Cons
Pros:
High rewards on fuel
Simple redemption process
Easy annual fee waiver
Wide BPCL network
Cons:
Limited benefits outside BPCL
No airport lounge access
Ideal Users
This card is best for:
People who drive to work daily
Frequent travelers by car
Families with multiple vehicles
If fuel is a major part of your spending, this card can save you a lot every month.
Customer Support
For help, contact SBI Card customer care:
Toll-Free: 1860 180 1290
Email: customercare@sbicard.com
Website: www.sbicard.com
FAQs
Q1. What is the reward rate on SBI BPCL Credit Card?
You get up to 13X reward points on fuel purchases at BPCL outlets.
Q2. How can I redeem SBI BPCL reward points?
Redeem them for free fuel at BPCL stations or through the SBI Card app.
Q3. Is there a joining bonus?
Yes, you get 2,500 bonus points if you spend ₹500 within 30 days.
Q4. What is the annual fee?
₹499 (plus GST). Waived if you spend ₹50,000 annually.
Q5. Can I use it for non-fuel purchases?
Yes, you earn 1 point per ₹100 spent on all other purchases.
Q6. Is this card accepted everywhere?
Yes, it works across all VISA-enabled outlets and online merchants.
Final Verdict: Should You Apply?
If you spend regularly on fuel, the SBI BPCL Credit Card is worth it. It offers real, visible savings with every refuel. The rewards are simple, the redemption process is fast, and the benefits easily outweigh the cost.
For drivers who value savings and simplicity, it’s one of the best fuel cards in India.
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