Key Highlights of BPCL SBI Credit Card
✅ 2,000 Bonus Reward Points (worth ₹500) on payment of the joining fee.
✅ 5X Reward Points on dining, movies, groceries & departmental stores.
✅ 13X Reward Points on fuel spends at BPCL petrol pumps.
✅ 1% Fuel Surcharge Waiver (up to ₹100/month).
✅ Low Joining Fee: ₹499 + GST.
BPCL SBI Credit Card Rewards & Benefits
1. Welcome Benefit
| Benefit | Value | Condition |
|---|---|---|
| Activation Bonus | 2,000 Reward Points (₹500) | Credited after 20 days of paying the joining fee |
2. Reward Points Structure
| Spending Category | Reward Points | Effective Reward Rate |
|---|---|---|
| Regular Spends | 1 RP per ₹100 | 0.25% |
| 5X Categories: Dining, Movies, Groceries, Departmental Stores | 5 RP per ₹100 | 1.25% |
| BPCL Fuel Spends | 13 RP per ₹100 | 3.25% |
Monthly Caps:
- 5X Categories: Max 5,000 RP/month
- BPCL Fuel: Max 1,300 RP/billing cycle
3. Redemption Options
- Gift vouchers via SBI Card App/Website
- BPCL Fuel Purchases
- Cashback (Statement Credit)
- Redemption Rate: 4 RP = ₹1
- Redemption Fee: ₹99 per request
Fees & Charges
| Fee Type | Amount |
|---|---|
| Joining Fee | ₹499 + GST |
| Annual Fee | ₹499 + GST |
| Renewal Fee Waiver | Spend ₹50,000 in the previous year |
| Foreign Currency Markup | 3.5% + GST |
| Cash Advance Charges | 2.5% (Min ₹500) |
| Interest Rate | 3.6% per month (45% p.a.) |
Fuel Benefits
✅ 1% Fuel Surcharge Waiver
- Applicable at all fuel stations (not just BPCL).
- Max Waiver: ₹100/month (on transactions up to ₹4,000).
- ENJOY BPCL SBI Credit Card BENIFITS
Pros & Cons
✔️ Pros
- High rewards on BPCL fuel spends (13X RP = 3.25% returns).
- Good cashback on dining, movies & groceries (5X RP).
- Low joining fee (₹499 + GST).
- Fuel surcharge waiver across all petrol pumps.
❌ Cons
- ❌ No lounge access (domestic/international).
- ❌ No insurance benefits.
- ❌ Redemption fee of ₹99 per request.
Best Suited For
🛢️ Frequent BPCL fuel users
🎬 Movie & dining enthusiasts
🛒 Grocery & departmental store shoppers
How to Apply?
📲 Apply Online: BPCL SBI Credit Card
BPCL SBI Credit Card – Frequently Asked Questions (FAQ)
1. What are the welcome benefits of the BPCL SBI Credit Card?
✅ You get 2,000 Bonus Reward Points (worth ₹500) upon paying the joining fee of ₹499 + GST. These points are credited within 20 days of fee payment.
2. How do reward points work on this card?
- Regular spends: 1 RP per ₹100 (0.25% reward rate).
- 5X Categories (Dining, Movies, Groceries, Departmental Stores): 5 RP per ₹100 (1.25% reward rate).
- BPCL Fuel Spends: 13 RP per ₹100 (3.25% reward rate).
- Monthly Caps:
- 5X Categories: Max 5,000 RP/month.
- BPCL Fuel: Max 1,300 RP/billing cycle.
3. How can I redeem my reward points?
You can redeem points for:
- Gift vouchers (via SBI Card app/website)
- BPCL fuel purchases
- Cashback (statement credit)
- Redemption rate: 4 RP = ₹1
- Redemption fee: ₹99 per request
4. Does this card offer a fuel surcharge waiver?
✅ Yes!
- 1% waiver on fuel transactions across all petrol pumps (not just BPCL).
- Max waiver: ₹100/month (on transactions up to ₹4,000).
5. Is there an annual fee waiver?
✅ Yes!
- The annual fee of ₹499 + GST is waived if you spend ₹50,000 or more in the previous year.
6. Does the BPCL SBI Credit Card offer lounge access?
❌ No, this card does not provide domestic or international lounge access.
7. What is the foreign currency markup fee?
- 3.5% + GST on international transactions.
8. How do I apply for the BPCL SBI Credit Card?
You can apply:
- Online: Via the SBI Card website
- Offline: At BPCL petrol stations or SBI partner banks
9. What is the cash advance fee?
- 2.5% of the withdrawn amount (minimum ₹500 per transaction).
10. Is there an interest-free period?
✅ Yes, up to 48 days (if you pay the full bill on time).
⚠️ Interest rate: 3.6% per month (45% annually) if you carry forward dues.
💡 Pro Tips for BPCL SBI Card Users
✔ Maximize 13X rewards by fueling at BPCL pumps.
✔ Use for dining & movies to earn 5X reward points.
✔ Avoid cash withdrawals (high charges apply).
✔ Redeem points wisely (opt for statement credit or BPCL fuel discounts).
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Primary Hashtags
#BPCLSBICard#FuelCreditCard#SBICardOffers
Secondary Hashtags (For Wider Reach)
#CreditCardRewards#CashbackCreditCard#SaveOnFuel#DiningRewards#MovieBenefits
Trending Finance Hashtags
#FinancialFreedom#SmartSpending#CreditCardIndia
